Terms of Use & Privacy Policy

Terms of Use

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of our website.

2. Not Financial Advice

The information provided on this website, including all calculators, projections, charts, and comparisons, is for general information purposes only. It does not constitute financial advice, investment advice, tax advice, or legal advice. None of the content should be relied upon for making financial decisions.

We recommend consulting a qualified financial adviser before making any financial or investment decisions. The Australian Securities and Investments Commission (ASIC) MoneySmart website (moneysmart.gov.au) provides guidance on choosing a financial adviser.

3. Calculator Limitations

Our calculators and tools make assumptions that may not be applicable to your individual circumstances. They are simplified models that cannot account for all variables that may affect financial outcomes. Results should be considered approximate and for educational purposes only.

Assumptions include, but are not limited to:

• Investment returns (which may vary significantly over time)
• Inflation rates
• Tax rates and brackets (which may change with legislation)
• Superannuation laws and regulations (which are subject to change)
• Salary growth projections

4. Data Sources and Accuracy

While we strive to ensure the information on this website is accurate and up-to-date, we make no guarantees about the accuracy, completeness, or reliability of any content. Data is sourced from publicly available resources including the Australian Taxation Office (ATO), Australian Bureau of Statistics (ABS), and research organisations such as the Grattan Institute.

For more information on our data sources, please refer to our Data Sources page.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of the website owners or our content suppliers and is protected by Australian and international copyright laws.

Privacy Policy

1. Information Collection

This application processes all data locally in your browser. We do not collect, store, or transmit any personal information you enter into our calculators or tools. The information you provide (such as your age, salary, superannuation balance) is used only to perform calculations within your browser session and is not saved or sent to any server.

2. Browser Storage

We may use local storage or cookies to improve your experience by remembering your preferences or calculator inputs between browser sessions. This data remains on your device and is not accessible to us.

3. Third-Party Analytics

We may use services such as Google Analytics to collect anonymous information about how users interact with our website. This helps us improve our service but does not identify individual users. These services may use cookies or similar technologies.

You can opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on or by disabling cookies in your browser.

4. Security

While we implement reasonable security measures, please be aware that no method of transmission over the internet or electronic storage is 100% secure. As all calculations occur within your browser and no personal information is transmitted to our servers, the risk of data exposure is minimised.

5. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify users of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and your use of it. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury;
• Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• Limit any of our or your liabilities in any way that is not permitted under applicable law; or
• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.