JB HerWealth

Last updated: 28 October 2026

JB HerWealth is a free financial learning programme for women in Sri Lanka, run by JB Financial (Pvt) Ltd. Please read this Disclaimer before you use our courses, calculators, resources or advisor calls. It forms part of our Terms of Use.

1. Education, not advice

Everything on JB HerWealth is for general education only. Our courses, lessons, questionnaires, examples, calculators and resources are not financial, investment, tax, legal or accounting advice, and they do not take into account your own goals, finances or circumstances.

Before you make a financial decision, think about your own situation and, where needed, speak to a suitably qualified professional, such as an investment adviser licensed by the Securities and Exchange Commission of Sri Lanka, or a qualified tax adviser.

2. Calculators and tools

Our calculators give estimates for learning and planning. Their results depend on the figures you enter and on assumptions that may not match what happens in real life.

  • Expected returns, inflation rates and time periods are assumptions, not promises. Real returns and prices can be higher or lower.
  • The Income Tax Calculator uses the PAYE (APIT) rates in force from 1 April 2025, for a resident with one main employment. It does not include other income, reliefs or deductions, and tax rules can change.
  • The EPF/ETF Calculator uses the statutory rates of 8% employee EPF, 12% employer EPF and 3% employer ETF. Your employer’s arrangements may differ.
  • Results are rounded, and small differences from official figures are possible.

Use calculator results as a starting point for your own thinking, not as the final word.

3. Investing involves risk

Investments can go down as well as up, and you may get back less than you put in. Past performance is not a guide to future results. Examples in our lessons show how ideas work; they are not recommendations to buy, sell or hold any product.

4. Advisor calls

A free call with an advisor is a general conversation to help you understand your options. It is not a recommendation or an offer to buy or sell any financial product. Any decision you make, and any service you later agree with an advisor, is your own choice and is covered by its own terms.

5. Certificates

A JB HerWealth certificate shows that you completed our free course. It is not a professional qualification, licence or accreditation, and it does not qualify you to give financial advice to others.

6. Accuracy of information

We work to keep our content accurate and up to date, but financial rules, rates and products change. We do not promise that everything on the site is complete, current or free of errors, and we may update content at any time without notice.

7. Stories and testimonials

Testimonials and stories on our site are the personal experiences of individual learners. Your own results may be different.

8. Other websites

Links to other websites are given for your convenience. We do not control those sites and are not responsible for their content, products or services.

9. Our responsibility

To the fullest extent the law allows, we are not liable for any loss or damage that comes from relying on the content, calculators or calls on JB HerWealth, including any financial decision you make. You are responsible for your own financial decisions.

10. Contact us

If you have a question about this Disclaimer, email us at [email protected].