Terms of Service

1. Agreement to Terms

Welcome to WealthWorks. These Terms of Service ("Terms") govern your access to and use of the WealthWorks website at wealthworks.com.au ("Website"), including our financial calculators, professional directory, and any other services we provide (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, you must not access or use our Services.

We reserve the right to modify these Terms at any time. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

2. Description of Services

WealthWorks provides:

• Financial Calculators: Free online tools to help you estimate tax, mortgage repayments, investment returns, and other financial calculations
• Professional Directory: A searchable directory of Australian financial professionals including mortgage brokers, financial advisers, accountants, and other professionals
• Educational Content: Information and resources about personal finance topics relevant to Australians

4. Use of Calculators

Our financial calculators are provided free of charge for your personal, non-commercial use. When using our calculators:

• All data you enter is processed locally in your browser and is not stored or transmitted to our servers
• Results are estimates only and should not be relied upon as accurate or complete
• Tax rates, thresholds, and other figures are based on publicly available information and may not be current
• You are responsible for verifying the accuracy of any calculations before relying on them

We make reasonable efforts to keep our calculators accurate and up-to-date, but we do not warrant that they are error-free or that they reflect the most current laws and regulations.

5. Professional Directory

Our professional directory lists financial professionals who may provide services in Australia. Please note:

• WealthWorks does not endorse, recommend, or guarantee any professional listed in our directory
• Listing in our directory does not indicate any partnership, affiliation, or verification by WealthWorks
• You are responsible for conducting your own due diligence before engaging any professional
• You should verify that any professional holds the appropriate licences and registrations (e.g., AFSL, ACL, Tax Agent registration)
• Any engagement with a listed professional is solely between you and that professional

Professionals listed in our directory are responsible for ensuring their information is accurate and that they comply with all applicable laws and regulations.

6. User Accounts

Some features of our Services may require you to create an account. If you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorised use of your account

We reserve the right to suspend or terminate your account if we suspect any breach of these Terms or fraudulent activity.

7. Acceptable Use

You agree not to use our Services to:

• Violate any applicable laws or regulations
• Infringe on the intellectual property rights of others
• Transmit any viruses, malware, or other harmful code
• Attempt to gain unauthorised access to our systems or other users' accounts
• Interfere with or disrupt the integrity or performance of our Services
• Scrape, harvest, or collect information from our Website without permission
• Use automated systems or software to extract data from our Website
• Impersonate any person or entity or misrepresent your affiliation
• Engage in any activity that could damage our reputation or goodwill

8. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, icons, images, audio clips, software, and the compilation thereof, is the property of WealthWorks or its content suppliers and is protected by Australian and international copyright laws.

You may view, download, and print content from our Website for your personal, non-commercial use only. You must not:

• Modify or copy the materials without our written consent
• Use the materials for any commercial purpose
• Remove any copyright or proprietary notices from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

9. Third-Party Links and Content

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

The inclusion of any link does not imply endorsement by WealthWorks. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such third-party content, goods, or services.

10. Limitation of Liability

To the maximum extent permitted by law:

• Our Services are provided "as is" and "as available" without any warranties of any kind, either express or implied
• We do not warrant that our Services will be uninterrupted, timely, secure, or error-free
• We do not warrant the accuracy, reliability, or completeness of any information provided through our Services

In no event shall WealthWorks, its directors, employees, partners, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

• Loss of profits, revenue, data, or goodwill
• Financial losses resulting from reliance on calculator results or information on our Website
• Damages arising from your engagement with any professional listed in our directory
• Any other intangible losses

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.

11. Indemnification

You agree to defend, indemnify, and hold harmless WealthWorks and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:

• Your access to or use of our Services
• Your violation of these Terms
• Your violation of any rights of a third party
• Any content you submit or post on our Website

12. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions.

You agree to submit to the exclusive jurisdiction of the courts of New South Wales, Australia, for the resolution of any disputes arising out of or relating to these Terms or your use of our Services.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court, the remaining provisions shall remain in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it enforceable while preserving its intent.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and WealthWorks regarding your use of our Services and supersede any prior agreements between you and WealthWorks relating to your use of the Services.

16. Contact Us

If you have any questions about these Terms, please contact us at: