Terms of Use & Disclaimer

1. Acceptance of Terms

By accessing and using www.salarysacrificecalc.com.au (“the Website”), you agree to be bound by these Terms of Use.

If you do not agree, you should not use this Website.

2. Informational Purpose Only

The Salary Sacrifice Calculator is provided for general informational and educational purposes only.

The calculator provides salary sacrifice calculations based on current ATO rates and super guarantee rules. Results are approximations only and may not reflect the exact amount payable for your specific circumstances.

This Website does not provide financial or tax advice. Always consult a qualified financial adviser or tax professional before making financial decisions based on these calculations.

3. No Affiliation with Government

This Website is not affiliated with, endorsed by, or associated with the Australian Taxation Office (ATO) or any employer or superannuation fund.

For official guidance on salary sacrifice arrangements, users should consult the ATO website at ato.gov.au, or seek professional financial advice.

4. No Professional Advice

The information provided on this Website does not constitute:

• Financial or tax advice
• Superannuation advice
• Legal advice
• Employment advice

You should seek independent professional advice tailored to your personal circumstances before making salary sacrifice or financial decisions.

5. Accuracy of Information

While reasonable efforts are made to ensure the calculator reflects current ATO rates and thresholds, we do not guarantee that:

• All information is current
• Calculations are error-free
• Results are suitable for your circumstances
• Tax rates or super guarantee rates have not changed since the last update

Tax and superannuation rules are set by the Australian Government and may change. Always verify current rates with the ATO.

6. Limitation of Liability

To the maximum extent permitted by Australian law:

• The owner of this Website shall not be liable for any loss, damage, or financial decisions made based on the use of this calculator.
• Use of this Website is entirely at your own risk.

7. Intellectual Property

All content, design, branding, and calculator functionality on this Website are the intellectual property of the Website owner unless otherwise stated.

You may not reproduce, copy, or distribute content without permission.

8. Changes to These Terms

These Terms may be updated at any time without prior notice. Continued use of the Website constitutes acceptance of any updated Terms.

9. Contact

For questions regarding these Terms, contact: contact@salarysacrificecalc.com.au