Last updated: December 2025
1. Acceptance of Terms
By accessing and using the Superannuation Calculator Australia website at superannuation-calculator.au (the "Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Website.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website following any changes indicates your acceptance of the modified Terms.
2. Description of Service
Superannuation Calculator Australia provides free online tools, including a superannuation calculator, and educational content relating to Australian superannuation and retirement planning. The Website is provided for informational and educational purposes only.
3. No Financial Advice
Important: The information provided on this Website, including calculator results, articles, and other content, does not constitute financial advice, tax advice, or any other form of professional advice. The content is general in nature and does not take into account your individual objectives, financial situation, or needs.
The calculator provides estimates based on the information you input and certain assumptions about future conditions. Actual outcomes will vary based on factors including but not limited to investment performance, fees, inflation, tax law changes, and your personal circumstances.
Before making any financial decisions regarding your superannuation or retirement planning, you should consult with a qualified financial adviser who can provide personalised advice tailored to your specific situation. We strongly recommend seeking professional advice before acting on any information obtained from this Website.
4. Accuracy of Information
While we endeavour to ensure that the information on this Website is accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website.
Superannuation rules, tax rates, and contribution limits are subject to change by the Australian government. While we strive to update our content to reflect current regulations, there may be delays between legislative changes and updates to our Website. Always verify current rates and rules with official sources such as the Australian Taxation Office.
5. Use of the Calculator
The superannuation calculator is provided as a free tool to help you estimate your potential retirement balance based on the inputs you provide. By using the calculator, you acknowledge and agree that:
- Results are estimates only and not guarantees of future outcomes
- Calculations are based on simplified assumptions that may not reflect your actual situation
- Investment returns are assumed to be constant, whereas actual returns will fluctuate
- The calculator does not account for all factors that may affect your superannuation balance
- You are responsible for verifying the accuracy of your inputs
- Calculator results should not be relied upon as the sole basis for financial decisions
6. Intellectual Property
All content on this Website, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Superannuation Calculator Australia or its content suppliers and is protected by Australian and international copyright laws.
You may view, download, and print pages from the Website for your personal, non-commercial use, provided you do not modify the content and retain all copyright and proprietary notices. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website for commercial purposes without our prior written consent.
7. User Conduct
When using this Website, you agree not to:
- Use the Website in any way that violates applicable laws or regulations
- Attempt to gain unauthorised access to any portion of the Website or any systems or networks connected to the Website
- Use any automated means, including robots, spiders, or scrapers, to access or collect data from the Website without our express written permission
- Interfere with or disrupt the Website or servers or networks connected to the Website
- Impersonate or attempt to impersonate Superannuation Calculator Australia or any other person or entity
- Introduce any viruses, trojan horses, worms, or other material that is malicious or technologically harmful
8. Third-Party Links
The Website may contain links to third-party websites or services that are not owned or controlled by Superannuation Calculator Australia. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities or individuals or their websites.
You acknowledge and agree that Superannuation Calculator Australia shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any such third-party websites or services.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Superannuation Calculator Australia and its owners, operators, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with:
- Your access to or use of, or inability to access or use, the Website
- Any conduct or content of any third party on the Website
- Any content obtained from the Website
- Unauthorised access, use, or alteration of your transmissions or content
- Any financial decisions made based on information from the Website
This limitation applies regardless of the legal theory on which the claim is based, even if we have been advised of the possibility of such damages.
10. Indemnification
You agree to defend, indemnify, and hold harmless Superannuation Calculator Australia and its owners, operators, employees, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Website.
11. Disclaimer of Warranties
The Website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the Website will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We do not warrant that the results that may be obtained from the use of the Website will be accurate or reliable.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Australia, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Australia.
13. Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions shall continue in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Superannuation Calculator Australia regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
15. Contact Information
If you have any questions about these Terms, please contact us at:
Email: cyis1000@gmail.com