Terms of Use

1. General information only

All content on this website is general information and educational commentary. It is not financial product advice, legal advice or tax advice, and it does not take into account your objectives, financial situation or needs. See our Financial Disclaimer.

2. Accuracy

We take reasonable care to publish accurate information and to check figures against primary sources. Content may nonetheless become out of date, and we do not warrant that it is complete, current or free from error. Corrections are published openly.

3. Intellectual property

Articles, images, layout and branding on this site are owned by us or used under licence. You may read, print and share links for personal, non-commercial use. You may not republish, resell or systematically copy our content without written permission.

4. Acceptable use

• Do not attempt to interfere with, overload or gain unauthorised access to the site.
• Do not scrape or harvest content or contact details for commercial purposes.
• Do not submit unlawful, misleading or abusive material through our forms.

5. Third-party links and advertising

The site contains advertising and links to third-party websites. We do not control that material and are not responsible for it. A link or advertisement is not an endorsement. See Advertising & Disclosure.

6. Liability

To the maximum extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, this website. Nothing in these terms excludes rights you have under the Australian Consumer Law that cannot lawfully be excluded.

7. Changes and availability

We may change, suspend or withdraw the site or any content at any time without notice. We may also update these terms; continued use after a change means you accept the updated terms.

8. Governing law

These terms are governed by the laws of Victoria, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state.