Karolyn Lawrence is a Fellow of CPA Australia (FCPA) with over 25 years business management and finance experience. Karolyn founded Red 2 Black Business Management to help small and medium business owners find affordable, efficient ways to manage their financial obligations and to help them use the insights buried in their books to drive business growth and make smart decisions.


This website is owned and operated by Red 2 Black Business Management Pty Ltd (“R2B”) as trustee for Red 2 Black Family Trust ABN 53 689 663 855.  Your access to and use of the information, materials and services provided on this website is conditional on your acceptance and compliance with these terms of use.  Your use of this site will mean you accept these terms.

General Disclaimer

R2B is not liable to you or any other for any loss in connection with the use of this website or a linked website.

This general disclaimer is not restricted or modified by any of the following specific warnings and disclaimers.

Specific Warnings and Disclaimers

The Australian Consumer Law may confer rights and remedies on you in relation to the provision by us of goods or services on the website, which cannot be excluded, restricted or modified.  R2B does not exclude these rights but does exclude all other conditions and warranties implied by custom, law or statute.

R2B may, from time to time, change or add to this website or the information, products and services without notice.  Although R2B will endeavour to keep this website updated and accurate, R2B is not liable to you or anyone else if errors or omissions occur in the information on this website or if that information is not up-to-date or for the results obtained from the use of this information.  All information in this site is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose

If you have any concerns regarding what products or services may be suitable to you, you should contact us direct or seek independent expert advice.

Under no circumstances (including but not limited to any act or omission on the part of R2B) will R2B be liable for any indirect, incidental, special and/or consequential damages or loss of profits whatsoever which result from any use or access of, or any inability to use or access, the website.


This website is the copyright property of R2B and material and information contained on the website may not be modified, reproduced, distributed or used for any public or commercial purpose without the prior consent of R2B.

Trade Marks

Product and company names mentioned in this website are the trade marks of R2B or other people or entities.

Nothing contained in the website should be construed as granting any licence or right of use of any trade mark or part of any trade mark displayed on the website without the express written permission of R2B or third party owner.

Linked Websites

This website may contain links to other third party websites.  Those links are provided for convenience only and may not remain current or be maintained.

Links to those websites should not be construed as an endorsement, approval, recommendation or preference by us of the owners or operators of the sites, or of any information, products or services referred to on those other sites unless specifically stated.

Unless otherwise stated the linked websites are not under the control of R2B and R2B is not responsible for the contents of any linked website.  You link to any such website at your own risk and you should ensure that you are aware of the terms of use of those websites.

Personal Information

When you register as a client for services offered on the R2B website we will ask you to provide personal information.

We will not disclose any information about you without your consent unless:
-    it is required by law;
-    we believe it necessary in order to provide you with a service which you have requested;
-    we suspect that your use of the website is in breach of these Terms of Use; or
-    to protect the rights or property of R2B or other users.

R2B will never share your personal information with a third party or allow a third party to promote its products and services directly to you without your consent.

Client Accounts

When you register on the website as a client, you will be asked to choose a password and user name.  You must keep this login information secure.  You must advise R2B immediately if you become aware of any unauthorised access to your client account.
R2B may terminate your client account if it considers your use of the website to be unacceptable or in breach of these Terms of Use.


When you access your client information or you are submitting a payment through the website, you will be directed to a secure server.   Secure Sockets Layer (SSL) encrypts the information you send through this website.  R2B makes no warranty in respect of the strength or effectiveness of that encryption and R2B is not responsible for events arising from unauthorised access of the information you provide.


We use cookies and other technologies to keep track of your interactions with our website and services to offer a personalised experience.

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