Disclaimer

RE: your business teaches you to read and use your own business numbers. It's education. It isn't financial, tax, legal or investment advice, and nothing on RE: is a personal recommendation.

1. General information and simulations, not advice

All content on RE: is provided for general information and educational purposes only. That includes lessons, dashboards, tools, the Business Score, health checks, simulations, examples, options and any wording that suggests a course of action. It is not, and must not be relied on as, financial, investment, tax, accounting, legal or other professional advice. It is not a recommendation, instruction or call to action to do or not do anything.

Simulations and "what if" results show what your numbers could look like if one thing changed and everything else stayed the same. They are illustrations based on assumptions. They are not forecasts, predictions or guarantees. They don't take account of your full personal, financial or business circumstances, your customers, your market or anything else outside the figures you provide.

RE: is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial advice or personal recommendations.

1a. Your decisions are your own

You alone decide whether to take any action, including changing prices, costs, marketing, products, channels or anything else in your business. You are responsible for any decision you make and for its results. Before making any decision that matters to your business or finances, consider your own circumstances and, where appropriate, take independent advice from a suitably qualified professional.

To the fullest extent permitted by law, we accept no responsibility or liability for any loss or damage arising from any decision you make, or action you take or choose not to take, in reliance on any content, simulation or figure on RE:. This includes any loss or reduction of sales, volume, revenue, profit, customers, goodwill, business or opportunity. Nothing in this Disclaimer affects your statutory rights as a consumer.

2. Your numbers, your decisions

Figures such as your P&L, margins, Business Score, forecasts, break-even and what-if results are estimates based on the numbers you enter or import. We don't check them against your bank, platform or accounts.

Forecasts and simulations assume things stay the same unless you change them. Real customers, costs and seasons don't behave that neatly.

3. Imported sales files

If you import sales files from Etsy, Shopify or another platform, we read the figures in the files you choose. If a file is incomplete, covers the wrong dates or uses a different currency, the results will be wrong too. Where a fee file isn't included, platform fees are estimated from typical rates and are labelled as a rough guide.

4. Guides and benchmarks

Health checks (Healthy, Watch, Act now), target ranges and "healthy" margins are rough guides for small businesses selling online. They aren't standards your business must meet, and a result outside a range doesn't mean something is wrong.

5. Example shops

Maria and the other example shops in our lessons and marketing are made up to show how things work. Any resemblance to a real business is a coincidence.

6. Figures from other sources

We sometimes quote outside figures, such as platform fees or the National Living Wage. They were correct when we wrote them but can change without notice. Always check the current figure with the source.

7. Tax, VAT and legal matters

Profit figures on RE: are before tax. We don't cover how much tax or VAT you owe, what you can claim or how to register. Speak to a qualified accountant, or check GOV.UK and HMRC.

8. No guarantee of results

We can't promise that any change will increase your sales, profit or anything else. Past weeks don't guarantee future ones.

9. Our responsibility to you

We work hard to keep RE: accurate and useful, but it may contain errors or be unavailable at times. As far as the law allows, we're not responsible for business losses, lost profit or decisions you make based on what you see on RE:. Nothing here limits any liability we can't limit by law, including for death or personal injury caused by our negligence, or for fraud. Our full liability terms are in section 11 of our Terms and Conditions.

10. Getting professional help

If a decision matters to your business or your finances, speak to a qualified professional. You can find a chartered accountant through ICAEW, ACCA or ICAS, and free guidance on tax and running a business on GOV.UK.

11. Contact

Questions about this Disclaimer: team@reyourbusiness.com.