Terms & Conditions

1. Acceptance of Terms

By accessing and using novaleasecalculator.com.au ("the Website"), you accept and agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must discontinue use of the Website immediately.

2. Informational Purpose Only

The novated lease calculations, savings estimates, and tax figures displayed on this Website are illustrative estimates based on standard ATO statutory formulas and published tax rates. Actual outcomes will vary based on individual circumstances, financier terms, employer policies, and current legislation. You should always consult a qualified financial advisor, registered tax agent (BAS agent), or accountant before entering into any novated lease or salary packaging arrangement.

3. Accuracy of Information

We make every reasonable effort to ensure the accuracy and currency of the information, tax rates, thresholds, and formulas displayed on this Website. However, we do not warrant or guarantee that:

• All information is complete, accurate, or current at the time of your access
• ATO regulations, tax rates, or LCT thresholds will remain unchanged
• Calculations reflect the specific terms offered by any individual financier or provider
• The Website will be available without interruption or free from errors

Tax laws and ATO guidelines are subject to change. Users are independently responsible for verifying all figures with official ATO sources or their chosen advisor.

4. Intellectual Property

All content on this Website — including text, graphics, logos, design, layout, calculation methodology, and software — is the property of Novated Lease Calculator Australia or its licensors and is protected under Australian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Personal, non-commercial use of the Website and its tools is permitted. Any commercial use, republication, or systematic extraction of content is prohibited without express written permission.

5. Acceptable Use

You agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable law
• Attempt to gain unauthorised access to any part of the Website, its servers, or connected systems
• Introduce any viruses, malware, or other harmful code
• Use automated tools (scrapers, bots, spiders) to access or collect data from the Website without written consent
• Misrepresent your identity or impersonate any person or entity
• Interfere with or disrupt the functioning of the Website or its infrastructure
• Use the Website's content to create competing products or services

6. Advertising and Google AdSense

This Website displays advertisements served by Google AdSense. By using this Website, you acknowledge and agree to the following:

• Google and its partners may use cookies and similar technologies to serve personalised and non-personalised advertisements based on your browsing activity
• Personalised advertising may use the DoubleClick DART cookie to display ads based on your prior visits to this and other websites
• You may opt out of personalised advertising at any time via Google Ads Settings
• Third-party cookies are governed by the respective vendors' privacy policies — we encourage you to review Google's advertising policies
• Advertisements displayed comply with Google AdSense Program Policies and applicable Australian consumer law
• We do not control the content or accuracy of third-party advertisements and are not advertised by them

Revenue from advertising helps us keep our tools free and accessible for all Australian users. For more information, see our Privacy Policy.

7. Third-Party Links

This Website may contain hyperlinks to third-party websites, including but not limited to the Australian Taxation Office (ATO), state revenue offices, finance providers, and educational resources. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party websites. Access to linked sites is at your own risk and subject to their respective terms and privacy policies.

8. Limitation of Liability

To the maximum extent permitted by Australian law (including the Australian Consumer Law), Novated Lease Calculator Australia, its directors, employees, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or in connection with:

• Your use of or inability to use the Website
• Reliance on any information, calculation, or estimate provided by the Website
• Errors, omissions, or inaccuracies in any content or calculation
• Any decision made based on information obtained from the Website
• Any act or omission of a third-party provider, financier, or employer
• Unauthorised access to or alteration of your data
• Any interruption, suspension, or termination of the Website

9. Indemnification

You agree to indemnify, defend, and hold harmless Novated Lease Calculator Australia and its directors, employees, and partners from and against all claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from or in connection with your use of the Website, your violation of these terms, or your violation of any third-party rights.

10. Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting on this page with an updated revision date. Continued use of the Website after changes are posted constitutes acceptance of the revised terms. We encourage you to review this page periodically.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of Australia. Any disputes arising from these terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Australia.

12. Contact

For questions about these Terms & Conditions, please visit our Contact Us page.