When Bertha Maud Lyall was born on 4 February 1865, in Oakleigh, Victoria, Australia, her father, William Lyall, was 43 and her mother, Annabella Brown, was 38. She married Ernest Ricardo on 13 March 1895, in Victoria, Australia. She died on 14 September 1958, in Toorak, Victoria, Australia, at the age of 93, and was buried in Boroondara Cemetery, Boroondara - Kew, Victoria, Australia.