Disclaimer & Editorial Policy

Effective date: October 7, 2026
Last updated: October 7, 2026

MR IT LLC ("MR IT LLC," "we," "us" or "our") publishes free personal-finance guides, checklists and calculators on https://mritllc.com (the "Website"). MR IT LLC is located in New South Wales, Australia, and our guides are read by visitors worldwide. This page explains the limits of that content, how we research and maintain it, how we handle corrections, and how we approach advertising, affiliate relationships and testimonials. It forms part of our Terms of Service.

1. Not financial, tax, legal or investment advice

All content on the Website, including articles, guides, examples, checklists, worksheets, newsletters, calculators and self-check tools, is provided for general educational and informational purposes only. It is not financial, investment, tax, accounting, legal, credit, insurance or other professional advice, and it is not a recommendation or solicitation to buy, sell or hold any security, financial product or service.

Personal finance decisions depend on details we do not know, such as your income, debts, tax situation, goals, timeline, risk tolerance, family circumstances and the laws where you live. A strategy that works well for one household can be a poor fit for another. Before acting on anything you read on the Website, consider whether it is appropriate for your situation and consult a qualified professional, such as a certified financial planner, a certified public accountant, an enrolled agent, a licensed attorney or a nonprofit credit counselor in the United States, or, in Australia, a registered tax agent, a lawyer, a free financial counsellor or a financial adviser who is appropriately licensed or authorised, as appropriate.

Australian readers. Our content is general information only. It is not financial product advice, credit advice or tax advice under Australian law, and it does not take into account your objectives, financial situation or needs. MR IT LLC does not hold an Australian financial services licence (AFSL) or an Australian credit licence, and nothing on the Website should be read as suggesting that we do. Before making a decision about a financial product, consider whether it is appropriate for you and read the relevant product disclosure statement and target market determination.

MR IT LLC is not a bank, authorised deposit-taking institution, credit union, lender, broker-dealer, registered investment adviser, financial adviser, insurance agency, credit repair organization, debt settlement company, law firm or accounting firm. We do not hold client funds, manage investments or sell financial products.

2. Where our guides apply

MR IT LLC is located in New South Wales, Australia, and works with clients in Australia and internationally. Our free guides are read by visitors around the world, but they mainly reference rules, institutions and resources in the United States, such as the Federal Deposit Insurance Corporation (FDIC), the Internal Revenue Service (IRS) and the Federal Trade Commission (FTC). Figures and programs mentioned in those guides, such as US deposit insurance limits, tax-advantaged accounts, credit reporting rights or fraud reporting channels, may not apply where you live.

Readers elsewhere, including in Australia, should check the rules and official resources that apply locally. In Australia, helpful starting points include ASIC's Moneysmart (moneysmart.gov.au) for money and financial product guidance, the Australian Taxation Office (ato.gov.au) for tax, and Scamwatch (scamwatch.gov.au) for scams. For example, bank deposits in Australia are not covered by the FDIC; eligible deposits with Australian authorised deposit-taking institutions are instead protected under the Australian Government's Financial Claims Scheme, which has its own rules and limits. Where a guide's general approach, such as building an emergency fund or using a password manager, applies broadly, the specific figures and institutions still need to be checked for your country.

3. No professional or client-advisor relationship

Reading the Website, using a calculator, subscribing to our newsletter, attending a free consultation or workshop, or sending us a message does not create an advisor-client, fiduciary, attorney-client, accountant-client or any other professional relationship between you and MR IT LLC. Any general information we share in emails, consultations or workshops is likewise educational.

When an organization or individual engages MR IT LLC for IT services, the relationship is defined by a separate written agreement or statement of work. Those services are technology services, such as automation setup, dashboards, integrations, security hardening, web development and training. They do not include investment, tax or legal advice, and we do not access any account without explicit written authorization, using read-only access wherever possible.

4. Accuracy, timeliness and updates

We work hard to make our content accurate, clear and useful at the time of publication. However, personal finance is a moving target. Tax rules, contribution limits, government programs, consumer protection rules, product features and security threats change regularly. Information that was correct when written may become outdated.

• Each article shows when it was published and, where applicable, when it was last reviewed or updated. Check that date, and confirm time-sensitive details with the official source before relying on them.
• We do not quote current interest rates, annual percentage yields, bonus offers or product prices, because they change too quickly to stay accurate on a static page. Check those directly with the provider.
• Where we cite figures, we use well-established, stable facts from authoritative sources, such as the standard FDIC deposit insurance amount, or we label numbers clearly as illustrative examples.
• We make no representation or warranty that any content is complete, current, error-free or suitable for your purposes, as explained in our Terms of Service.

5. Editorial independence

Our editorial content is written to serve readers, not sponsors. The following principles guide everything we publish:

• No pay-for-placement. No company can pay to be included, ranked or favorably described in our guides.
• No specific product recommendations. Our guides discuss categories of tools and approaches, such as "a password manager" or "your bank's app," rather than recommending specific banks, brokers, credit cards or financial products.
• Platforms are named for clarity, not endorsement. When we mention widely known software platforms, such as spreadsheet or accounting tools, it is to help readers understand an approach. Mentioning a platform does not imply a partnership, sponsorship, certification or endorsement.
• Services and content are separate. We offer IT services related to the topics we write about, and some articles mention a relevant service. Those mentions are clearly identifiable, and our guides are written to be useful whether or not you ever contact us. Every step we describe can be done on your own.
• Government resources first. Where a free, authoritative government resource exists, such as AnnualCreditReport.com, IdentityTheft.gov, ReportFraud.ftc.gov, consumerfinance.gov, investor.gov, irs.gov, fdic.gov, ncua.gov or ssa.gov, we point readers to it. Readers outside the United States should look for the equivalent official resources where they live, such as moneysmart.gov.au, ato.gov.au or scamwatch.gov.au in Australia.

6. How our guides are researched, reviewed and updated

Every guide follows the same basic workflow, designed to keep content accurate, practical and honest about its limits.

1. Topic selection. We choose topics based on common questions from readers, workshop participants and prospective clients, focusing on practical problems people face when managing money with technology.
2. Research. We start from primary and authoritative sources, including government agencies, regulators and official program websites. We prefer official guidance over secondary summaries, and we note sources at the end of each article so readers can verify key points.
3. Drafting. We write in plain language, with concrete steps, checklists and examples. Numbers are either well-established facts or clearly labeled as illustrations. We avoid hype, guaranteed-outcome language and fabricated statistics, quotes or case studies.
4. Review. Before publication, each guide is reviewed for factual accuracy, clarity, balance, and whether it overstates certainty or skips important risks. Calculations in examples are checked independently.
5. Publication. Each guide is published with a date, a list of sources and a short note that it is educational content.
6. Ongoing maintenance. We revisit published guides periodically and when we learn of relevant changes, such as new rules or reader-reported errors. Substantive updates are reflected in the article's updated date.

Where our content touches areas that require professional judgment, such as taxes or legal rights, we explain general concepts and direct readers to official sources or qualified professionals rather than offering conclusions about individual situations.

7. Corrections policy

We want to get things right, and we appreciate readers who help us do that. If you believe something on the Website is inaccurate, outdated, unclear or missing important context, please email [email protected] with the subject line "Correction," the page address and a description of the issue, ideally with a link to a supporting source.

We read every correction request, but we may not be able to reply to each one individually. We do not remove accurate content because a company or individual dislikes it.

8. Advertising and affiliate disclosure

Currently, the Website does not display advertising and does not contain affiliate links. We do not receive commissions, referral fees or other compensation from banks, card issuers, lenders, brokers, software vendors or any other company for links or mentions on the Website. We also do not use advertising pixels or tracking technologies, as described in our Privacy Policy and Cookie Policy.

If we decide to introduce advertising, sponsorships or affiliate links in the future, we commit to the following:

• advertisements and sponsored content will be clearly labeled as such and visually distinct from editorial content;
• affiliate links will be disclosed clearly and conspicuously, close to the link itself, not only in a footer or separate page;
• advertisers, sponsors and affiliate partners will have no influence over our editorial content, conclusions or the order in which options are presented;
• we will update this page, our Privacy Policy and our Cookie Policy before any such change takes effect; and
• we will not add advertising technology that tracks visitors without first meeting applicable legal requirements, including consent where required.

MR IT LLC does promote its own IT services on the Website. Those service pages and mentions are our own offerings, not third-party advertising, and they are identified as MR IT LLC services.

9. Calculator methodology and limits

Our calculators and self-check tools are designed to help you explore scenarios and organize your thinking. They are deliberately simple and transparent, which means they make assumptions that may not match your situation.

• Estimates only. Results are estimates based on the inputs you enter. They are not quotes, offers, approvals, forecasts or guarantees.
• Simplifying assumptions. Tools may assume constant interest rates, fixed monthly payments, consistent income and expenses, monthly compounding, and on-time payments. Real accounts may compound or accrue interest differently, charge fees or change terms.
• What is usually excluded. Unless a tool states otherwise, results do not account for taxes, inflation, fees, penalties, promotional rate expirations, changes in minimum payments, or changes in your income, expenses or circumstances.
• Rules of thumb are starting points. Tools based on guidelines, such as the 50/30/20 budgeting framework or saving three to six months of essential expenses for emergencies, reflect common rules of thumb, not personalized targets.
• Self-checks are not audits. A security self-check score is a general awareness tool. It does not test your devices or accounts and cannot tell you whether you have been compromised.
• Your data stays with you. Calculators run in your browser, and the numbers you enter are not sent to us.

Always confirm figures with your lender, card issuer, financial institution or a qualified professional before making a decision. If you spot a calculation that seems wrong, please tell us using the corrections process in Section 7.

10. External links

Our guides link to external websites, especially official government resources, because they are often the most authoritative and up-to-date sources. We choose links carefully, but we do not control external websites and are not responsible for their content, accuracy, availability, security or privacy practices. A link does not imply endorsement of the organization, its products or its views. Pages move and change, so if you find a broken or outdated link, please let us know.

Be cautious of look-alike websites. When visiting financial or government sites, type the address yourself or use a bookmark, and check that the web address is correct before entering personal information.

11. Testimonials and results

We do not currently publish testimonials, reviews, endorsements or case results on the Website. We do not create, buy or solicit fake or incentivized reviews, and we do not present composite or fictional people as real customers.

Examples in our guides and service pages that involve numbers or scenarios are illustrations created to explain a concept. They are labeled as examples and do not describe real clients or represent typical results. Individual outcomes depend on many factors outside our control, and we do not guarantee any particular savings, earnings, debt payoff timeline or security outcome.

If we publish testimonials or case studies in the future, they will reflect the honest experiences of real clients who have given written permission, any material connection or compensation will be clearly disclosed, and we will not present exceptional results as typical.

12. Our commitment to truthful advertising

We are committed to honest, substantiated marketing wherever our readers and clients are. In Australia, that means complying with the Australian Consumer Law, including its prohibitions on misleading or deceptive conduct and false or misleading representations, and following guidance from the Australian Competition and Consumer Commission on online reviews and endorsements. Because many of our readers are in the United States, we also follow the Federal Trade Commission Act and the FTC's guidance on truthful advertising, endorsements and online disclosures, including the Guides Concerning the Use of Endorsements and Testimonials in Advertising and the FTC's rule on consumer reviews and testimonials. In practice, that means:

• we make only claims we can substantiate, and we avoid exaggerated or misleading statements about our services or outcomes;
• we will clearly and conspicuously disclose any material connection, such as payment, free products or affiliate commissions, between MR IT LLC and any company or person mentioned in our content;
• we do not publish fake reviews or testimonials, suppress honest negative reviews, or misrepresent the independence of any review;
• we do not make earnings claims or promise specific financial results; and
• we clearly distinguish our own services from editorial content.

You can learn more about consumer protection from the ACCC at accc.gov.au in Australia, or from the FTC at consumer.ftc.gov in the United States, where you can also report fraud at ReportFraud.ftc.gov. Australian readers can report scams to Scamwatch at scamwatch.gov.au.

13. Limitation of liability

To the fullest extent permitted by law, MR IT LLC is not liable for any loss or damage, including financial loss, arising from your use of or reliance on the Website, its content or its tools. You are responsible for your own decisions. The full disclaimers of warranties and limitations of liability that apply to the Website are set out in our Terms of Service.

Nothing on this page or in our Terms of Service excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded. The limitations on this page apply only to the extent the law allows.

14. Changes and contact

We may update this Disclaimer & Editorial Policy as our content, practices or business change. The "Last updated" date at the top shows when it was last revised. Material changes, such as introducing advertising or affiliate links, will be reflected here before they take effect.

For corrections, editorial questions, legal notices, privacy questions or support, please contact us:

• Email: [email protected] (please include a subject line such as "Correction," "Editorial question" or "Privacy request")
• Phone: 981-9418-5015
• Location: New South Wales, Australia
• Website: our contact page