Terms of Service
1. Use of website
1.2. The CalculatorHub Website (“CH”) is owned and operated by Midas Digital Pty Limited (“MD”) ABN 19 615 341 029. MD operates the website www.calculatorhub.com.au which provides free online calculator’s and referral services.
1.3 CalculatorHub is an authorised representative of Talk To A Broker Holdings Pty Ltd ACN 623 909 339, Australian Credit Representative Number 522933
2. About the website
2.1. This Website, and all information provided on it:-
2.1.1. is solely intended for your private use; and
2.1.2. is intended only for use by users domiciled in the Australia, and is not for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to any law or regulation or which would subject CH to any regulatory requirements in such jurisdiction; and
2.1.3. is not directed at persons, and is not to be regarded as an offer to buy or sell or an invitation to buy or sell investments, securities or to accept deposits or to provide any other products or services in any jurisdiction, to any person to whom it is unlawful to make such an offer or solicitation or to accept deposits or to provide any other products or services in any jurisdiction, to any person to whom it is unlawful to make such an offer or solicitation; and
2.1.4. does not constitute investment advice on the merits or suitability of any investment product and no information contained within the Website should be construed as such; and
2.1.5. should not be construed as legal, taxation or financial advice.
2.2. It is your responsibility to be aware of the applicable laws and regulations in the jurisdiction from which you are accessing the Website and, if you choose to access the Website, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.
2.3. We make no representations that information on this Website is appropriate or available for use in any countries other than Australia. Users who access this Website from any jurisdiction other than Australia do so on their own initiative and risk and no warranty or representation of any kind is made in relation to compliance of this Website or the information thereon with the laws of any such jurisdiction.
3. CH’S Responsibilities
3.1. CH tries to ensure that the information on the Website is accurate and helpful, however, it cannot ultimately warrant the accuracy of any information contained on the Website, particularly any information provided by third parties. CH cannot be held liable for any use or reliance you may make of or put on it except as specifically agreed with CH in writing. The Website is provided on an “as is” and “as available” basis. CH do not make any express or implied representations or warranties in respect of the Website and its contents (including, without limitation, warranties as to accuracy or completeness).
3.2. Without limiting the generality of clause 3.1 we exclude (to the fullest extent permitted by law) any and all representations and warranties that the Website:-
3.2.1. will be available or meet your requirements;
3.2.2. will permit uninterrupted access or availability;
3.2.3. will not be affected by, or allow any delays, failures, errors or omissions or loss of transmitted information;
3.2.4. will not result in the transmission of any computer viruses; or
3.2.5. will not result in any damage to your computer system as a consequence.
4. Links to third party sites
4.1. The Website contains links to other websites independently maintained by third parties. CH is not responsible for: any websites linked from or to the Website; the content of those websites; the third parties named therein; or their products and services.
5. Intellectual property rights
5.1. All copyright, texts, images, photos, trade marks, design rights, database rights, rights in confidential information, goodwill and other intellectual property rights in the Website, including but not limited to the content, the layout and expression, all the computer programs and applications which have been developed by CH or its third party suppliers and which are used in delivering the Website including, without limitation, all source code, object code, algorithms and specifications related to such programs and applications, are owned by CH (and/or its third party suppliers) and may not be copied, transmitted, converted, transcribed or reproduced without the prior consent of CH except to the extent permitted within the scope of the licence to use the Website set out below.
6. Licence to use the website
6.1. You may download to a local hard disk and print extracts from the Website solely for your personal, non-commercial use. You may also recopy downloaded extracts to others for their personal, non commercial use.
6.2. You may not reproduce part or all of the contents of the Website including texts, images, photos in any form unless it is for your personal, non commercial use.
6.3. You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work any of the content of the Website in any form (whether hard copy, electronic or other).
6.4. You may not frame or link to the Website or any part of it without the prior written consent of CH.
7. Data protection
CH does not store any user data for our marketing campaigns directly but use Insightly (insightly.com) to handle user data. User data is collected on an SSL secured form. This information is sent from CH via secure API as a JSON array to Insightly at which point the Insightly CRM stores the user information following their DPA which can be found here https://www.insightly.com/wp-content/uploads/2021/07/200910-Insightly-DPA-Customers.pdf.
9. Exclusion and limitation of liability
9.1. You acknowledge that you use the Website on a free-of-charge basis, and as such we exclude, to the fullest extent permitted by law, all liability for any loss, injury or damage, whether direct or indirect, special or consequential, caused by the Website arising in any way out of the use thereof.
9.2. Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.
9.3. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.
10. Governing law