Terms and Conditions

This app is an information-management and educational tool designed to assist SMSF trustees with compliance tracking and record-keeping: deadlines, nominations, contributions, pensions, trustee decisions and audit preparation. It is an administrative record-keeping aid, not a substitute for professional accounting, legal, or ATO compliance monitoring. It does not constitute financial, investment, legal, or tax advice.

The creator is not a licensed financial adviser, accountant, or registered tax agent under the Tax Agent Services Act 2009 (Cth). Nothing in this app, including its status flags, warnings, readiness checks, reminders, or any calculated outputs, constitutes financial product advice, tax advice, legal advice, or a recommendation to acquire, hold, or dispose of any financial product.

Before making any decision about superannuation, pensions, investments, or asset allocation, you should seek advice from a licensed financial adviser and/or a qualified accountant, tax agent, or SMSF specialist who can consider your personal circumstances.

While every effort has been made to ensure the accuracy and integrity of the calculations within this app, the service is provided on an "AS-IS" and "AS-AVAILABLE" basis, with all faults.

Subject to section 5, the creator makes NO WARRANTIES, express or implied, regarding:

• The accuracy, completeness, or reliability of any calculations or data generated
• The fitness for a particular purpose of the app or its outputs
• The absence of errors, bugs, or defects in the calculations or logic
• The continuous availability of the service

All figures, statuses, and outputs depend entirely on the assumptions and data you input. Accuracy is not guaranteed, and you should independently verify all figures before relying on them. Deadlines and thresholds shown are typical ATO timeframes and may change.

Nothing in this section removes your remedies if the service fails altogether or is not provided with due care and skill. Section 5 explains your rights.

Under Australian law, SMSF trustees bear ultimate legal and financial responsibility for:

• The compliance of their fund with the Superannuation Industry (Supervision) Act 1993 (SIS Act)
• The fund's investment strategy and its implementation
• The accuracy of all reporting to the Australian Taxation Office (ATO)
• Meeting all contribution caps, pension minimum drawdown requirements, and other regulatory obligations

This responsibility CANNOT be delegated or outsourced to any software tool, including this app.

Users MUST independently verify all calculations, compliance statuses, and outputs against:

• Original source data (bank statements, broker reports, bond confirmations)
• Official ATO guidelines and current legislative thresholds
• Advice from qualified professionals (accountants, auditors, financial advisers)

before making any investment decisions, executing transactions, or lodging official returns.

To the maximum extent permitted by law, the creator is not liable for any:

• DIRECT DAMAGES, including but not limited to investment losses resulting from reliance on calculations
• INDIRECT DAMAGES, including consequential losses, loss of opportunity, or economic loss
• TAX PENALTIES, including ATO administrative penalties, shortfall interest charges, or audit costs
• COMPLIANCE FAILURES, including breaches of contribution caps, pension minimums, or other SIS Act requirements
• LOST PROFITS, whether arising from investment decisions or operational disruptions
• DATA LOSS, resulting from service interruption, errors, or software incompatibility

arising out of the use, misuse, or inability to use this app.

LIABILITY CAP: To the maximum extent permitted by law, and subject to section 5, the creator's total liability to you for all claims arising out of or in connection with this app is limited to the greater of:

(a) the fees you have paid or are payable for access to the app in the 12 months before the event that gave rise to the claim; and

(b) $100.

Where the law allows the creator to limit liability for a failure to comply with a consumer guarantee, the creator's liability is limited, at the creator's choice, to resupplying the service or paying the cost of having the service supplied again.

Nothing in these terms excludes, restricts or modifies any guarantee, warranty, right or remedy implied or imposed by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded, restricted or modified.

If the Australian Consumer Law applies to your use of the app, you may have rights if the service is not provided with due care and skill, is not reasonably fit for its purpose, or fails to match its description. Where the law allows, the creator may limit liability for failing to meet a consumer guarantee as set out in section 4.

The app's outputs depend on what you enter. The user acknowledges that:

• Incorrect, incomplete, or out-of-date entries (including the reference date, dates of birth, balances, and contribution and pension figures) will produce incorrect statuses and warnings
• Editing or deleting entries changes the results
• The creator is not responsible for errors that result from the data you enter, to the extent the law allows
• You are responsible for keeping your own copies of records that matter to you (the Succession Plan and Annual Audit Checklist can be exported)

If you suspect an error or unexpected behaviour, compare outputs against your original source documents before taking any action based on the app's results.

This app and all its contents, including software, structure, documentation, and design, are protected by copyright and intellectual property laws.

Access is granted personally to the individual named as "Licensed to" above. It is non-transferable: your account cannot be sold, gifted, sub-licensed, or passed on to another person or organisation, whether for payment or free of charge. Each person should use their own login.

Your licence permits:

• Personal use for managing your SMSF, including granting account access to co-trustees of the fund, or view-only access to a qualified accountant or financial professional authorised by the trustee
• Use on devices you own or control

Your licence does NOT permit:

• Redistribution, resale, or sharing with third parties, including sharing your login (a co-trustee or accountant you invite through the app uses their own login)
• Commercial use, as described below
• Reverse engineering, decompiling, or extracting the software or its logic for use in other products
• Removing or altering copyright notices, disclaimers, or licence information

You must not use the tool to provide paid professional administration or advice services to third parties, save that qualified accountants and financial professionals may access the app on a view-only basis for the sole purpose of assisting an authorised fund trustee.

Unauthorised copying, distribution, or commercial exploitation is strictly prohibited and may result in legal action.

The app is paid for per fund. The price, the founding rate, how and when you are invoiced, what happens if an invoice is not paid, how the creator gives notice of price changes, and cancellation and refunds are set out in the Pricing and Payment Schedule below, which forms part of these terms. By accepting these terms you also accept the Schedule.

Either party may terminate this agreement at any time. You may terminate by deleting your fund or account within the app. The creator may terminate by providing you with at least 30 days' written notice.

If the creator terminates for convenience (and not due to your breach or non-payment under section 4 of the Pricing and Payment Schedule), you will receive a pro-rata refund for any prepaid, unused portion of your current billing period, and you will have 30 days to export your fund records before account closure. Non-payment of fees is governed separately by section 4 of the Pricing and Payment Schedule.

The creator may transfer these terms, and the agreement between you and the creator, to a related company that takes over the business, if that company agrees to be bound by them. The creator will give you at least 30 days' written notice before a transfer takes effect, and will tell you which company then provides the app. The Schedule's price and notice commitments continue to apply after a transfer.

This agreement is governed by the laws of New South Wales and the Commonwealth of Australia. The parties submit to the non-exclusive jurisdiction of the courts of New South Wales (or, where applicable, the relevant consumer protection tribunal in your state or territory).

If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.