Financial Disclaimer & Terms of Use

    Last Updated: March 2026

    1. No Financial Advice

    ROMIO is an educational and accountability platform only. We are not a registered investment advisor, and we do not hold an Australian Financial Services Licence (AFSL).

    Nothing on this website, in our community forums, or provided in our sessions constitutes financial, tax, legal, or investment advice. All content is provided as factual information or general education only.

    2. Personal Responsibility

    The information provided by ROMIO does not take into account your specific investment objectives, financial situation, or particular needs. Before making any financial decision, you should:

    • Conduct your own independent research.
    • Read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any financial product.
    • Consult with a licensed financial, legal, or tax professional.

    3. No Guarantees of Outcome

    Investing involves risk, including the loss of principal. ROMIO does not guarantee any specific financial outcome, return on investment, or the accuracy of third-party data shared within the community. Past performance is not an indicator of future results.

    4. Limitation of Liability

    To the maximum extent permitted by law (including the Australian Consumer Law), ROMIO and its founders, employees, and agents are not liable for any loss or damage (including financial loss) arising from your use of the platform or reliance on any information contained herein.

    Community Code of Conduct

    To keep our community safe and compliant with Australian law, all members must agree to the following:

    🚫 No "Stock Tipping"

    Do not post specific "Buy," "Sell," or "Hold" recommendations for any stock, ETF, or crypto asset.

    📊 Facts, Not Opinions

    Feel free to share facts (e.g., "This ETF has a 0.05% management fee"). Avoid persuasive opinions (e.g., "This ETF is going to the moon this month").

    🙅 No Personal Advice

    Never tell another member what they should do with their money based on their personal situation.

    🎯 The "Accountability" Focus

    Use this space to talk about habits (e.g., "I hit my goal of investing $200 this week") rather than speculation.

    📝 Disclosure of Interest

    If you discuss a specific asset, you must disclose if you personally own it (e.g., "I hold a position in VGS").

    Admin Note: ROMIO reserves the right to remove any posts that constitute unlicensed financial advice and suspend users who repeatedly violate these rules.

    ROMIO provides general information and community support only, does not provide financial product advice, and members should consider the relevant PDS and TMD and seek licensed advice for their personal circumstances. For independent guidance, visit moneysmart.gov.au.