Terms of Use & Disclaimer

Last updated: July 2026

General information only — not advice

CalcOz provides calculators and articles for general information and educational purposes only. Nothing on this site constitutes financial, taxation, credit, legal or other professional advice, and nothing takes into account your objectives, financial situation or needs. We are not a licensed financial adviser, tax agent, or credit provider.

Before acting on any calculation or information from this site, you should consider its appropriateness to your circumstances and verify figures with the relevant official body — the Australian Taxation Office, your state or territory revenue office — or seek advice from a licensed professional.

Accuracy of calculations

We take care to source rates from official publications and review them regularly, but rates and rules change, calculators make simplifying assumptions (stated on each page), and errors are possible. Results are estimates only. To the maximum extent permitted by law, CalcOz excludes all liability for any loss or damage arising from reliance on this site's content or calculations.

Australian Consumer Law

Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law that cannot lawfully be excluded.

Acceptable use

You may use the calculators freely for personal or professional reference, and link to any page. You may not scrape, republish or resell the site's content wholesale, misrepresent its outputs as personalised advice, or attempt to interfere with the site's operation.

Third-party links and advertising

Pages link to official government sources and may display third-party advertising. We are not responsible for the content of external sites, and the appearance of an advertisement is not an endorsement. See our Privacy Policy for how advertising cookies work.

Changes

We may update these terms and the site's content at any time. Continued use after changes constitutes acceptance.