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Please read this disclaimer before using our calculators or content. It explains how we provide information and our limitations under Australian law.
Oz Finance Hub provides calculators, guides and other content for general information and educational purposes only. Nothing on this site constitutes financial product advice, tax advice, legal advice or personal advice. We do not take into account your objectives, financial situation or needs. You should not rely on this site as a substitute for professional advice.
We do not hold an Australian Financial Services Licence (AFSL) and are not authorised to provide financial product advice or other financial services under the Corporations Act 2001 (Cth). Our tools and content are general in nature and are not intended to recommend or advise you to acquire, hold or dispose of any financial product. For financial advice, consult an authorised financial adviser.
We are not registered as a tax agent under the Tax Agent Services Act 2009 (Cth). Our tax-related calculators and content are for illustration and education only. They do not constitute tax advice and may not reflect your actual tax position, offsets, deductions or obligations. For tax matters, use the Australian Taxation Office (ATO) or a registered tax agent.
Calculator results are estimates based on the inputs and assumptions you provide and on rates, thresholds and rules we believe to be current at the time. Results may differ from your actual outcomes. We do not warrant the accuracy, completeness or suitability of any result for your circumstances. Tax rates, Medicare levy, HELP, super and other rules change; always verify with official sources (e.g. ATO, state revenue offices).
Before making any financial, tax or legal decision, you should seek advice from a qualified professional (such as a licensed financial adviser, registered tax agent or lawyer) who can consider your personal circumstances. Our site is not a substitute for that advice.
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To the maximum extent permitted by applicable law (including the Australian Consumer Law), Oz Finance Hub and its operators exclude all liability for any loss or damage (including indirect, consequential or incidental loss) arising from your use of or reliance on this site, its content or calculator results. Nothing in this disclaimer excludes, restricts or modifies any guarantee or right you may have under the Australian Consumer Law or other law that cannot be excluded by agreement.
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Last updated: 11 February 2025. By using Oz Finance Hub you acknowledge that you have read and understood this disclaimer.