Financial Disclaimer
Last Updated: 10/12/2025
Owned & Operated by: FFROYO Limited
The information and tools provided through Cashflow Made Easy, including the Cashflow Made Easy
Spreadsheet and associated materials, are for educational and informational purposes only.
1. Not Financial Advice
The Product does not constitute financial, accounting, tax, investment, or legal advice. FFROYO Limited is not acting as a financial adviser. Users should seek independent professional advice when needed.
2. No Guarantees of Results
The Product is intended to help users gain clarity over their finances; however, no guarantees are made regarding savings, wealth creation, financial improvement, or future predictions.
3. Personal Responsibility
Users are solely responsible for their financial decisions. FFROYO Limited is not liable for losses, inaccurate assumptions, or user-entered data errors. Use of the Product is entirely at the user's own risk.
4. Accuracy of Information
No spreadsheet can account for unexpected expenses, market conditions, or behavioural decisions. FFROYO Limited does not guarantee error-free formulas or outcomes, especially if the Product is modified.
5. No Liability
FFROYO Limited is not liable for loss of income, savings, business losses, investment losses, or damages resulting from use of the Product. Compatibility issues with unsupported software are also not covered.
6. Independent Professional Advice Recommended
Users should consult a qualified accountant, financial adviser, tax professional, or legal expert before making financial decisions. The Product is a planning tool, not a decision-making authority.
9. Contact Information
FFROYO Limited
Email: FFROYO365@gmail.com
Website: www.cashflowmadeeasy.co.uk