These Terms of Use ("Terms") govern your use of australianlifecosts.com.au (the "Site"), operated by Australian Life Costs. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
The Site provides free financial calculators and educational articles based on publicly available Australian tax, superannuation, social security, and property data. Use of the Site is free. There are no accounts, subscriptions, or paid features.
Australian Life Costs does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide personal financial advice under the Corporations Act 2001 (Cth). Nothing on the Site constitutes personal financial advice, investment advice, taxation advice, credit advice, legal advice, or accounting advice.
Calculators on the Site produce general estimates based on the inputs you provide and the published rates on the date shown. They do not take your full personal circumstances, objectives, or needs into account. Before acting on any information from the Site, consult an appropriately qualified and licensed adviser. ASIC MoneySmart's adviser register is the official starting point.
We make reasonable efforts to keep all rates, thresholds, and calculator logic accurate and up to date. Tax rates, super contribution caps, stamp duty thresholds, and pension figures are updated as new official rates are released. The "as at" date displayed on each calculator indicates when its rates were last verified.
Despite reasonable efforts, the Site may contain inaccuracies, omissions, or out-of-date information. The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that:
To the maximum extent permitted by law, Australian Life Costs is not liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of, or inability to use, the Site. This includes financial loss, lost opportunities, lost profits, or damages resulting from reliance on calculator outputs or article content.
Where any consumer guarantee under the Australian Consumer Law cannot be excluded, our liability is limited to (at our option) the resupply of the relevant service or the cost of resupplying it.
You agree to use the Site lawfully and not to:
All content on the Site — including calculator code, written content, design elements, and the Australian Life Costs name and presentation — is owned by Australian Life Costs or its licensors. You may view, download, and print content for personal, non-commercial use, provided all copyright and proprietary notices are retained. Republication, modification, or distribution requires our written permission.
Quotations from official sources (ATO, APRA, ASFA, Services Australia, state revenue offices, etc.) remain the property of those organisations and are reproduced under fair-dealing principles for educational purposes.
The Site contains links to third-party websites for source citations and further reading. We are not responsible for the content, privacy practices, or accuracy of those external sites. Inclusion of a link does not imply endorsement.
The Site is funded by advertisements served by Google AdSense. Advertisements are selected automatically by Google's systems and do not represent endorsements by Australian Life Costs. We do not have visibility into which specific advertisers will appear and we do not have commercial relationships with advertisers shown on the Site. See the Privacy Policy for details on advertising cookies and opt-out options.
Use of the Site is also governed by our Privacy Policy, which forms part of these Terms.
We may update these Terms from time to time. The date at the top of this page shows when they were last revised. Continued use of the Site after changes constitutes acceptance of the updated Terms.
These Terms are governed by the laws of Victoria, Australia. Any dispute arising from or relating to your use of the Site is subject to the exclusive jurisdiction of the courts of Victoria.
Questions about these Terms can be directed to [email protected]. See the Contact page for response times.