1. No Financial Services Licence Manna Down Under (Mun Yee Chin, ABN: 95 839 226 305) does not hold an Australian Financial Services Licence (AFSL) issued by the Australian Securities and Investments Commission (ASIC). We are not authorised to provide personal financial product advice as defined under the Corporations Act 2001 (Cth) or the Australian Securities and Investments Commission Act 2001 (Cth).

2. Nature of Our Financial Content Any content relating to finance, investing, superannuation, property, budgeting, or wealth-building that appears on this website, in our courses, digital products, coaching sessions, social media, newsletter, or any other MaDU communication is:

• General information only — based on our personal experience and publicly available information

• Educational in nature — intended to improve your financial literacy and understanding

• Not personalised advice — it does not take into account your individual financial situation, objectives, tax position, or needs

• Not a recommendation — nothing we say constitutes a recommendation to buy, sell, or hold any financial product

3. Past Performance & Results Any references to personal investment outcomes, returns, or financial results are based on our own individual experience. Past performance is not a reliable indicator of future results. Financial markets involve risk, and the value of investments can fall as well as rise. You may lose money.

Client testimonials and success stories represent individual results. We make no guarantee that you will achieve the same or similar outcomes.

4. Superannuation Content relating to superannuation is general in nature. Super funds, contribution strategies, and fund selection depend on your individual circumstances including age, income, residency status, and retirement goals. You should seek advice from a licensed financial adviser or a superannuation specialist before making decisions about your super.

5. Tax Implications We do not provide tax advice. Any reference to tax treatment of investments, super contributions, or other financial matters is general information only. Australia's tax laws are complex and individual in their application. Please consult a registered tax agent or accountant for tax advice specific to your situation.

6. Seek Professional Advice Before making any financial decision, we strongly encourage you to seek advice from an appropriately qualified and licensed professional. This includes:

• A licensed financial adviser (check ASIC's Financial Advisers Register at moneysmart.gov.au)

• A registered tax agent (check the Tax Practitioners Board register at tpb.gov.au)

• A licensed mortgage broker for property finance

• A superannuation specialist for super strategy

The Australian Government's Moneysmart website (moneysmart.gov.au) is a free, reliable resource for general financial information and guidance.

7. Limitation of Liability To the maximum extent permitted by law, Manna Down Under will not be liable for any loss or damage (including financial loss) arising from your reliance on any financial information provided through our website, sessions, courses, or other communications. You use and rely on any financial information we provide entirely at your own risk.

8. Contact If you have questions about this disclaimer, please contact us at hello@mannadownunder.com