Terms of Use
Last updated: 1 April 2026
By accessing and using decisionlab.com.au ("the Website"), you agree to these Terms of Use. If you do not agree with any part of these terms, please do not use the Website.
1. General Information Only
DecisionLab provides financial calculators, tools, and a directory of financial professionals for general information purposes only. The content on this Website does not constitute financial advice, tax advice, legal advice, or any other form of professional advice. You should not rely on calculator results or directory information as a substitute for professional advice tailored to your specific circumstances.
2. No Financial Services
DecisionLab is not a financial services provider and does not hold an Australian Financial Services Licence (AFSL). We do not provide personal financial product advice, deal in financial products, or provide any financial service as defined in the Corporations Act 2001 (Cth). Our calculators are educational tools that provide estimates based on general assumptions and publicly available rates.
3. Calculator Accuracy
While we make every effort to ensure our calculators use current and accurate rates, thresholds, and formulas:
- Results are estimates only and may not reflect your actual tax, super, loan, or other financial obligations
- Calculators use general assumptions that may not apply to your situation
- Tax rates, thresholds, and rules change — there may be a delay between a change and our update
- We do not guarantee the accuracy, completeness, or timeliness of any calculator results
- You are responsible for verifying results with a qualified professional before making financial decisions
4. Financial Professionals Directory
Our directory of financial professionals is sourced from public ASIC government registers published on data.gov.au. While we endeavour to keep this data current:
- We do not guarantee that all listed professionals are currently registered or active
- Listing on our directory does not constitute an endorsement or recommendation
- We do not verify the qualifications, competence, or suitability of any listed professional
- You should independently verify a professional's registration status before engaging their services
- Professionals listed have not paid for their listing unless explicitly marked as "Featured" or "Sponsored"
5. Intellectual Property
All content on DecisionLab — including calculators, code, text, graphics, logos, and design — is owned by DecisionLab and protected by Australian copyright law. You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission. You may share links to our pages and embed our calculators using the embed codes we provide.
6. Third-Party Links and Content
Our Website may contain links to third-party websites, including government agencies, financial institutions, and partner sites. We are not responsible for the content, accuracy, or privacy practices of any third-party website. Links do not imply endorsement.
7. Advertising and Affiliate Relationships
DecisionLab displays advertisements through Google AdSense and may participate in affiliate programs. When you click on an advertisement or affiliate link and make a purchase or enquiry, we may earn a commission. This does not affect the cost to you. Advertising relationships do not influence our calculator results or directory listings.
8. Limitation of Liability
To the maximum extent permitted by Australian law, DecisionLab, its owners, and contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Website, calculators, or directory. This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
9. Indemnification
You agree to indemnify and hold harmless DecisionLab from any claims, damages, losses, or expenses arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.
10. User Submissions
If you submit information through our forms (such as claiming a directory listing or contacting us), you warrant that the information is accurate and that you are authorised to provide it. We reserve the right to verify, approve, reject, or remove any submitted information at our discretion.
11. Modifications
We reserve the right to modify these Terms of Use at any time. Changes take effect when posted on this page. Continued use of the Website after changes constitutes acceptance of the revised terms. We encourage you to review this page periodically.
12. Governing Law
These Terms are governed by the laws of New South Wales, Australia. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of New South Wales.
13. Contact
Questions about these Terms? Contact us at hello@decisionlab.com.au