Terms of Use
Terms of Use Agreement
1. Acceptance of Terms
By accessing or using this website, you agree to comply with and be bound by these Terms of Use and any additional terms referenced herein. Use of certain services or features may be subject to further terms.
2. Modification of Terms
We reserve the right to update or modify these Terms at any time without prior notice. Changes are effective immediately upon posting. Continued use after changes constitutes acceptance.
3. Use of Website and User Conduct
You agree to use the website lawfully and responsibly, complying with all applicable Australian laws, including mortgage broking regulations, responsible lending obligations, and consumer credit laws. You must not use the site for unlawful purposes or infringe third-party rights.
4. Intellectual Property
All content, including text, images, logos, software, and trademarks, is owned or licensed by us and protected under Australian and international intellectual property laws. You have a limited, non-transferable license for personal, non-commercial use only.
5. Professional Advice Disclaimer
The content provided on this website is for general information purposes only and does not constitute personal financial, legal, taxation, or other professional advice. While we aim to provide accurate information, it may not suit your individual circumstances or be current with all regulatory changes.
The views expressed by guest contributors or third parties do not necessarily reflect those of SMSF Intelligence.
Before making any financial or investment decisions, you should seek independent, qualified professional advice tailored to your personal situation. We disclaim all liability for losses arising from reliance on the website's information.
6. Disclaimer of Warranties
This website and content are provided "as is" without warranty of any kind. We do not guarantee uninterrupted or error-free service, nor the accuracy or completeness of the content.
7. Limitation of Liability
To the maximum extent permitted by law, we exclude liability for any direct, indirect, consequential, or punitive damages arising from use or inability to use this site or reliance upon its content.
8. Privacy and Data Protection
Your personal information is collected and handled in accordance with the Privacy Act 1988 and Australian Privacy Principles. Please refer to our Privacy Policy for detailed information about data use, security, and your rights.
9. Use of Cookies
This site uses cookies to improve user experience and functionality. By using the site, you consent to our cookie practices as described in the Privacy Policy.
10. Governing Law and Jurisdiction
These Terms are governed by the laws of the State or Territory where our business operates. All disputes are subject to exclusive jurisdiction of courts in that jurisdiction.
11. Severability
If a provision is found invalid or unenforceable, it will be severed without affecting the remainder of these Terms.
Cookies and Data Collection
12. Use of Cookies
This website utilises cookies and similar tracking technologies to enhance the user experience, analyze site usage, and deliver personalized content and advertisements. By accessing and using this website, you consent to the use of cookies in accordance with the website’s Privacy Policy.
13. Data Collection and Use
Personal information collected via forms, surveys, cookies, and tracking technologies is used to provide, improve, and personalise our services, communicate offers, and comply with legal and regulatory obligations. Collection and processing comply with the Australian Privacy Principles under the Privacy Act 1988.
14. Data Security
We implement reasonable physical, technical, and organisational safeguards such as encryption, firewalls, access controls, and regular audits to protect your personal data from unauthorized use or disclosure.
15. Access and Control
You have the right to access, correct, and delete any personal information that the website operator holds about you, subject to any applicable legal exceptions. For more information on how to exercise these rights, please refer to the Privacy Statement.
16. Changes to Our Data Practices
We may modify data collection and processing practices at any time, and updates will be posted in the Privacy Statement. Continued use after changes indicates acceptance of updated terms.