SENSE AND DOLLAR BUDGETING

Terms & Conditions

Last Updated: 01/02/2026

Welcome to Sense and Dollar Budgeting. By accessing or using this website, you agree to be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use this website.

1. Nature of Service: Financial Mentorship, Not Advice

The content provided on this blog is authored by Sam Ali in the capacity of a Fully Qualified Financial Mentor. Recognised by FinCap NZ.

  • Educational Purpose Only: All content, including articles, tools, and resources, is for educational and informational purposes only. It is designed to improve financial literacy and empowerment.
  • Not a Financial Advisor: I am not a Registered Financial Advisor or a licensed Financial Advice Provider (FAP) under the New Zealand Financial Markets Conduct Act (FMCA).
  • No Personalized Advice: The information provided does not take into account your personal financial situation, objectives, or needs. It is “general” in nature and should not be seen as a substitute for professional advice.
  • mportant Information About This Content
  • Hi! I’m glad you’re here. Before we dive into these resources, I want to share a quick note about how I work:
  • Mentorship, Not Regulated Advice: I am a recognized Financial Mentor and Financial Capability Practitioner in New Zealand. The information provided on this website, in my blogs, TikTok videos, and free courses is for educational purposes and to help grow your financial literacy. It consists of suggestions based on my experience and does not constitute personalized financial advice, legal advice, or tax advice.
  • No Conflicts of Interest: My goal is purely to help you understand your money and build a fulfilling life through strength-based support.
  • Your Unique Situation: Because everyone’s journey is different, these tools (like budgeting templates and debt trackers) are meant to be a starting point. If you have complex financial needs, I always recommend speaking with a qualified professional or a statutory body.
  • Accuracy: While I strive to keep all information up to date with New Zealand standards, things change! Please use these resources as a guide to building your own financial capability.

2. Scope of Exclusions (What I Do Not Do)

I do not provide advice, recommendations, or opinions on any regulated financial products. For the avoidance of doubt, this blog does not provide guidance on:

  • Investments: Shares, ETFs, managed funds, or cryptocurrency.
  • Banking: Mortgage structures, credit products, or specific bank accounts.
  • Insurance: Life, health, trauma, or general insurance.
  • Fixed Interest: Bonds, term deposits, or government stock.
  • Profit & Returns: Any strategy or product specifically intended to generate a financial profit.

3. No Guarantee of Accuracy

While I strive to provide high-quality educational content, financial laws and market conditions in New Zealand change rapidly. I make no representations or warranties regarding the accuracy, completeness, or “up-to-date” nature of the information. Use of any information on this site is strictly at your own risk.

4. Limitation of Liability

To the maximum extent permitted by New Zealand law, Sense and Dollar Budgeting shall not be liable for any loss or damage (including, without limitation, indirect or consequential loss) arising from your reliance on the information found on this blog. You are responsible for performing your own due diligence.

5. External Professional Advice

I strongly recommend that you seek independent advice from a qualified professional (such as a licensed Financial Advisor, Accountant, or Solicitor) before making any decisions related to your finances, investments, or legal obligations.

6. Intellectual Property

Unless otherwise stated, all content, graphics, and logos are the intellectual property of Sense and Dollar Budgeting. You may share links to our content, but you may not republish, sell, or modify any material without express written consent.

7. Disclosures & Transparency

  • Affiliates: This blog may contain affiliate links. If you click on a link and make a purchase or sign up for a service, I may receive a small commission at no extra cost to you.
  • Independence: Any brand partnerships do not dictate my educational content; I maintain full editorial independence.

8. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of New Zealand. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts of New Zealand.

Contact Information

If you have any questions regarding these Terms, please contact: senseanddollarsbudgeting@gmail.com

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