Terms of use

Last updated 14 November 2026

The short version

This site is for learning. It isn’t financial, accounting, tax or legal advice.
The businesses and people in the lessons are made up.
Use the lessons, tools and handouts on your own business as much as you like. Please don’t copy them onto your own site or sell them.

Who we are

Beyond the Numbers is run by Scott Richards in Australia. When these terms say “we” or “us”, they mean Beyond the Numbers. By using the site, you agree to these terms.

General education, not advice

The lessons, calculators and handouts explain general ideas about business numbers. They don’t take your circumstances into account, and they aren’t financial, accounting, tax or legal advice.

Before you make a decision that matters, such as changing your prices, borrowing money, hiring or lodging anything with the ATO, check it with a qualified adviser who knows your business. That can be us, if we’re working together, but not through this website alone.

Fictional businesses

Priya, Nina, Deb, Marcus and everyone else in the lessons are invented, and so are their businesses and numbers. Any likeness to a real business is a coincidence. The numbers are kept simple on purpose, so they won’t match a real industry’s costs or margins.

Some lessons and awards mention films, TV shows and game shows. Those mentions are for fun. We aren’t connected with, or endorsed by, the people who own them.

Calculators and handouts

The calculators work only with the numbers you put in, and they make simplifying assumptions that are stated on each tool. Check the results before you rely on them. We do our best to keep everything accurate, but we can’t promise the site is free of errors or always available.

Who owns the content

You’re welcome to:

use the lessons and tools for your own business and learning;
print the handouts for yourself or your team;
link to any page on the site.

Please ask first before you copy lessons or handouts into your own training, website or product, or use them commercially. Email scott@beyondthenumbers.com.au.

Our liability

Nothing in these terms excludes rights you have under the Australian Consumer Law that can’t be excluded. Otherwise, to the extent the law allows, we aren’t liable for any loss that comes from relying on the site’s content instead of getting advice for your own situation.

Links to other sites

We link to a few other sites, such as government pages. We don’t control them and aren’t responsible for what they say.

Changes and the law that applies

We may update these terms as the site grows. The date at the top shows when they last changed. These terms are governed by the law of Victoria, Australia.