Terms & Conditions

1. Acceptance of Terms

By accessing and using TaxLoanAU (taxloanau.com.au, "the Website"), you accept and agree to be bound by these Terms and Conditions. The Website is operated by SWIFT ACCOUNTANTS PTY LTD (ABN 35 619 346 637), an Australian registered company ("we", "us", or "our"). If you do not agree to these terms, please do not use this website.

These terms apply to all visitors, users, and anyone who accesses or uses the Website.

2. Financial Disclaimer — Important

All calculations, figures, estimates, and information provided on this website are for general informational and educational purposes only.

Specifically:

• Salary and tax calculations are estimates based on ATO published rates and may not reflect your exact tax position
• Home loan repayment figures are indicative only and do not account for all fees, charges, or lender-specific conditions
• Borrowing power estimates are general guides only and individual lender assessments will vary significantly
• Tax rates, thresholds, and offset amounts may change. We endeavour to keep information current but cannot guarantee accuracy at all times

This website does not provide financial advice, tax advice, credit advice, or legal advice. Nothing on this website should be construed as a recommendation to take any particular financial action.

Before making any financial decisions — including salary negotiations, tax planning, property purchases, or borrowing — you should seek advice from a qualified professional such as a registered tax agent, financial adviser, mortgage broker, or solicitor.

3. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not:

• Infringe any applicable laws or regulations
• Infringe the rights of any third party
• Attempt to gain unauthorised access to any part of the website or its servers
• Transmit any harmful, offensive, or disruptive content
• Interfere with the normal operation of the website
• Scrape, copy, or reproduce content for commercial purposes without written permission

We reserve the right to restrict or terminate access to the website for any user who violates these terms.

4. Intellectual Property

All content on this website — including text, graphics, logos, calculator designs, and code — is the property of TaxLoanAU and is protected by Australian and international copyright laws.

You may view, download, or print content from this website for personal, non-commercial use only. Any other use, reproduction, or distribution requires prior written consent.

5. Limitation of Liability

To the fullest extent permitted by Australian law, SWIFT ACCOUNTANTS PTY LTD and the operators of TaxLoanAU shall not be liable for:

• Any direct, indirect, incidental, or consequential loss arising from use of this website
• Errors or omissions in any calculations or content
• Any loss arising from reliance on information provided on this website
• Interruptions or unavailability of the website
• Any decisions made based on information from this website

Your use of this website is entirely at your own risk.

6. Third-Party Links and Advertising

This website displays third-party advertisements via Google AdSense and may contain links to external websites. These external sites are not operated by us.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or advertisers. We encourage you to review the privacy policies of any third-party sites you visit.

The appearance of any advertisement on this website does not constitute an endorsement or recommendation of any product, service, or provider by TaxLoanAU.

7. Home Loan Provider Information

Interest rates and home loan information displayed on our Home Loans section are indicative only and sourced from publicly available information. Rates are subject to change at any time without notice.

We may receive compensation when you click on links to lending institutions (affiliate relationships). However, this does not influence the information or tools we provide. Always verify rates directly with lenders before making any borrowing decisions.

8. Accuracy of Information

We make every effort to ensure the information on this website is accurate and up to date, including Australian Taxation Office (ATO) tax rates, Medicare levy thresholds, and superannuation guarantee rates. However:

• Tax laws and rates change regularly
• Individual tax situations vary greatly
• We cannot guarantee complete accuracy at all times
• This site is not affiliated with or endorsed by the ATO

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference.

10. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

11. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

12. Contact

For questions about these Terms and Conditions, please contact us: