Terms of Service

Last updated: 8 April 2026

By using the SettleAU website (www.settleau.com.au), you agree to these Terms of Service. If you do not agree, please do not use our website.

1. What We Provide

SettleAU provides free online calculators, tools, and educational content to help people understand various aspects of living in Australia, including tax, government payments, healthcare, visas, and family services.

        Important: Our tools provide estimates and general information only. They are not a substitute for professional advice. Always verify with the relevant government agency or qualified professional before making decisions.
      

2. Not Professional Advice

The information and tools on SettleAU do not constitute:

Financial advice — We are not licensed financial advisers. Our tax calculators, payment estimators, and budget tools are for general information only. Consult a qualified financial adviser or accountant for personalised advice.
Migration advice — We are not registered migration agents (MARA). Our visa tools provide general information about visa pathways and requirements. For migration advice, consult a registered migration agent.
Medical advice — Our health tools help you find services and understand eligibility. They do not provide medical diagnoses, treatment recommendations, or health advice. Consult a qualified health professional.
Legal advice — Nothing on this website constitutes legal advice. Consult a qualified lawyer for legal matters.

3. Accuracy of Information

We make reasonable efforts to ensure our calculators and information are accurate and up-to-date. However:

Tax rates, Centrelink payment rates, and government policies change. We update our tools regularly but cannot guarantee real-time accuracy.
Calculators use simplified formulas and may not account for every individual circumstance.
Estimated amounts may differ from actual amounts you receive.
Median rent figures, school information, and health service listings are approximations.

Always confirm important figures with the relevant authority (e.g., ATO, Services Australia, Department of Home Affairs).

4. No Affiliation with Government

SettleAU is an independent website. We are not affiliated with, endorsed by, or connected to:

Services Australia (Centrelink, Medicare)
Australian Taxation Office (ATO)
Department of Home Affairs (Immigration)
Any state or federal government department

5. Affiliate Links & Advertising

SettleAU may contain:

Affiliate links — links to third-party products and services. If you click and purchase/sign up, we may earn a commission at no additional cost to you.
Display advertising — ads served by Google AdSense or other advertising networks.

We only link to products and services we believe are genuinely useful to our audience. Affiliate relationships do not influence the content of our tools or recommendations.

6. Your Use of the Website

You agree to:

Use our tools for their intended purpose (personal financial planning and information)
Not attempt to disrupt, hack, or interfere with the website's operation
Not scrape, copy, or republish our content without permission
Not use our tools for any unlawful purpose

7. Limitation of Liability

To the maximum extent permitted by Australian law:

SettleAU is provided "as is" without warranties of any kind
We are not liable for any loss or damage arising from your use of our tools or reliance on our information
We are not liable for the content, accuracy, or practices of any third-party websites we link to
Our total liability for any claim is limited to $0 (our tools are free)

8. Intellectual Property

The content, design, and code of SettleAU are our intellectual property. You may not copy, reproduce, or distribute our content without written permission, except for personal, non-commercial use (e.g., printing a checklist for your Centrelink appointment).

9. External Links

Our website contains links to external websites. We are not responsible for the content, accuracy, or privacy practices of external websites. Links do not imply endorsement.

10. Changes to These Terms

We may update these Terms of Service at any time. Changes take effect immediately upon posting. Your continued use of the website constitutes acceptance of any changes.

11. Governing Law

These Terms are governed by the laws of Australia. Any disputes will be subject to the jurisdiction of Australian courts.

12. Contact Us

If you have any questions about these Terms, please contact us at:

Email: admin@settleau.com.au