Disclaimers

Medical and mental health

Wellbeing content is general educational information. It is not a diagnosis, assessment or treatment, and Hayley Duster is not a health professional. No tool on this site can tell you whether you have a health condition. Never stop or change medication based on anything published here. If you are struggling, or if you need urgent help, see the support page.

Financial information

Cash flow, pricing, reserve and insurance content is general information and does not take your circumstances into account. It is not regulated financial advice. Speak to a qualified accountant or a regulated financial adviser before making decisions about tax, debt, pensions, insurance or investment.

Legal information

Content about contracts, clients, closure and insolvency is general information and is not legal advice. Requirements vary by jurisdiction and change over time. Take advice from a qualified solicitor about your own situation.

Tools and calculators

Tools produce indicative results from the answers you provide. They are prompts for reflection and planning, not professional assessments, and they do not guarantee any outcome.

Affiliate disclosure

Some links to software or services may earn a commission at no additional cost to you. This never determines whether something is recommended, and relationships are disclosed where they apply.

Terms of use

Content is provided as-is for personal and business educational use. You remain responsible for decisions you take in your own business. Templates and downloads may be used within your business but not resold or redistributed.

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Assessment answers are processed in your browser and are not stored on our servers. If you join the newsletter, your email address is used only to send that newsletter and you can unsubscribe at any time.