Terms of Use & Disclaimer

1. Acceptance of Terms

By accessing and using moneytoolkit.com.au (“the Website”), you agree to be bound by these Terms of Use.

If you do not agree, you should not use this Website.

2. Informational Purpose Only

MoneyToolkit is a directory website that links to independently operated financial calculators. The information provided is for general informational and educational purposes only.

This Website does not provide financial, tax, or legal advice.

3. No Affiliation with Government

This Website is not affiliated with, endorsed by, or associated with the Australian Taxation Office (ATO) or any government body.

For official guidance, users should consult:

• The Australian Taxation Office (ATO)
• A registered tax agent
• A qualified financial adviser

4. No Professional Advice

The information provided on this Website does not constitute:

• Financial advice
• Tax advice
• Legal advice
• Investment advice

You should seek independent professional advice tailored to your personal circumstances before making financial decisions.

5. External Links

This Website links to third-party calculator websites that are independently operated. We do not control, endorse, or guarantee the accuracy of information provided by these external tools.

Use of external calculators is subject to their own terms and conditions.

6. Limitation of Liability

To the maximum extent permitted by Australian law:

• The owner of this Website shall not be liable for any loss, damage, or financial decisions made based on the use of this Website or linked calculators.
• Use of this Website is entirely at your own risk.

7. Intellectual Property

All content, design, and branding on this Website are the intellectual property of the Website owner unless otherwise stated.

You may not reproduce, copy, or distribute content without permission.

8. Changes to These Terms

These Terms may be updated at any time without prior notice. Continued use of the Website constitutes acceptance of any updated Terms.

9. Contact

For questions regarding these Terms, contact: contact@moneytoolkit.com.au