Terms of Service

Last Updated: 9th April 2025

1. Introduction

Welcome to [Your Website Name] ("Website", "we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our Website, including any investment calculators, financial content, and other services offered through our Website (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not access or use our Services.

2. Eligibility

You must be at least 18 years of age to access and use our Services. By accessing or using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

3. Changes to Terms

We may modify these Terms at any time. If we make changes, we will provide notice by updating the "Last Updated" date at the top of these Terms. Your continued use of our Services after any such changes constitutes your acceptance of the new Terms.

4. Financial Disclaimer

4.1 Not Financial Advice

The information provided through our Services, including investment calculators and blog content, is for general informational purposes only and does not constitute financial, investment, tax, legal, or accounting advice. The calculators and tools are intended to provide general estimates based on the information you input and should not be relied upon for making financial decisions.

4.2 Seek Professional Advice

Before making any financial or investment decisions, we strongly recommend consulting with a qualified financial advisor, accountant, or legal professional who can provide personalized advice based on your individual circumstances, objectives, and needs.

4.3 No Guarantee of Results

Past performance is not a reliable indicator of future performance. Any examples, forecasts, or projections provided through our Services are hypothetical and do not guarantee future results. Investment involves risk, including the possible loss of principal.

5. Account Registration and Security

5.1 Future Account Features

While our Website currently does not require authentication, we may introduce account registration features in the future. If we do so, you may be required to create an account and provide certain information.

5.2 Account Security

If account features are implemented, you will be responsible for:

Maintaining the confidentiality of your account credentials
Restricting access to your account
All activities that occur under your account

You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

6. User Conduct

You agree not to:

Use our Services in any way that violates any applicable federal, state, local, or international law or regulation
Use our Services to calculate, plan, or facilitate any illegal activity
Interfere with or disrupt the operation of our Services or servers
Attempt to gain unauthorized access to any portion of our Services
Use any robot, spider, or other automatic device, process, or means to access our Services for any purpose
Introduce any viruses, Trojan horses, worms, logic bombs, or other harmful material
Collect or harvest any information from our Services
Impersonate or attempt to impersonate us, our employees, or other users

7. Intellectual Property Rights

7.1 Our Intellectual Property

All content on our Website, including but not limited to text, graphics, logos, images, calculators, software, blog posts, and the compilation thereof, is owned by us or our licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for personal, non-commercial purposes. This license does not include the right to:

Modify, reproduce, or distribute any of our content
Use our content for commercial purposes
Create derivative works based on our content
Scrape or data mine our content

8. User Contributions

8.1 Comments and Feedback

If our Services allow you to post comments, provide feedback, or otherwise submit content ("User Contributions"), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Contributions throughout the world in any media.

8.2 Responsibility for User Contributions

You represent and warrant that:

You own or control all rights to your User Contributions
Your User Contributions do not violate these Terms
Your User Contributions do not violate the rights of any third party

9. Third-Party Links and Content

9.1 Third-Party Links

Our Services may contain links to third-party websites, resources, or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

9.2 Third-Party Content

We may display information from third-party sources as part of our Services. We do not endorse or verify the accuracy of such information and are not responsible for any errors or omissions in third-party content.

10. Privacy

Your privacy is important to us. Please review our Privacy Policy [link to Privacy Policy], which explains how we collect, use, and disclose information about you.

11. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE, OUR DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE OUR SERVICES
ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR SERVICES
ANY CONTENT OBTAINED FROM OUR SERVICES
UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
RELIANCE ON INFORMATION OBTAINED THROUGH OUR SERVICES
FINANCIAL DECISIONS MADE BASED ON INFORMATION OR CALCULATORS PROVIDED THROUGH OUR SERVICES

13. Indemnification

You agree to defend, indemnify, and hold harmless us, our affiliates, licensors, and service providers, and our and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our Services.

14. Governing Law and Jurisdiction

These Terms and your use of our Services shall be governed by and construed in accordance with the laws of the Commonwealth of Australia, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located within [Your Australian State/Territory] for the resolution of any disputes arising out of these Terms or our Services.

15. Australian Consumer Law

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms affects any non-excludable statutory rights that you may have under the Australian Consumer Law.

16. Termination

We may terminate or suspend your access to all or part of our Services, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users of our Services, us, or third parties, or for any other reason.

17. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding our Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning our Services.