01Acceptance of these terms

These Terms of Use ("Terms") govern your access to and use of richer.au (the "Site"), operated by Richer Online Pty Ltd (ABN 62 159 604 949) ("richer.au", "we", "us" or "our").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

02General information only — not advice

Before acting on anything published on the Site — including content about property, shares, commodities, tax minimisation or self-managed superannuation funds (SMSF) — you should consider its appropriateness to your own circumstances and, where appropriate, seek advice from a licensed financial adviser, registered tax agent, or solicitor.

We do not hold an Australian Financial Services Licence (AFSL), and nothing on the Site should be construed as a recommendation to buy, sell or hold any financial product.

03No professional relationship

Using the Site, subscribing to our newsletter, or contacting us through a form does not create an adviser-client, accountant-client or solicitor-client relationship between you and richer.au.

04Intellectual property

Unless otherwise stated, all content on the Site — including articles, graphics, charts, logos and the richer.au name and mark — is owned by or licensed to us and protected by Australian and international copyright law.

You may view, download and print content for your own personal, non-commercial use. You may not reproduce, republish, distribute, or create derivative works from Site content for commercial purposes without our prior written permission. Reasonable quoting with clear attribution and a link back to the original article is welcome.

05Acceptable use

When using the Site, you agree not to:

• use the Site for any unlawful purpose or in violation of these Terms;
• attempt to gain unauthorised access to the Site, its servers, or any connected systems;
• introduce viruses, malware, or other harmful code;
• scrape, harvest or systematically extract content from the Site without permission;
• post or transmit spam, abusive, defamatory, or unlawful content via any comment or contact form on the Site;
• impersonate any person or misrepresent your affiliation with richer.au.

06Comments and user submissions

If the Site allows comments or submissions, you retain ownership of what you post, but grant us a non-exclusive, royalty-free licence to display, reproduce and moderate it in connection with the Site. We reserve the right to remove or decline to publish any submission at our discretion, including comments requiring moderation before publication.

07Third-party links and content

The Site may link to third-party websites, tools, or services (for example, government resources, news sources, or financial calculators) for convenience. We do not control and are not responsible for the content, accuracy, or privacy practices of third-party sites. Links do not imply endorsement.

08Newsletter and communications

If you subscribe to our newsletter or mailing list, we will handle your information in accordance with our Privacy Policy. You can unsubscribe at any time using the link provided in each email.

09Accuracy and currency of information

We aim to keep content accurate and up to date, particularly around tax rules, superannuation policy and market conditions, but laws and figures referenced on the Site (such as tax thresholds, rates, or dates) can change after publication. Always verify current rules with the Australian Taxation Office, ASIC, or a qualified professional before relying on them.

10Disclaimer of warranties

The Site and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied, including — to the extent permitted by law — warranties of accuracy, completeness, merchantability, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted, secure, or error-free.

11Limitation of liability

To the maximum extent permitted by law, richer.au and its owners, contributors and affiliates will not be liable for any indirect, incidental, special or consequential loss or damage arising from your use of, or inability to use, the Site or its content — including financial loss arising from investment, tax or other decisions made in reliance on Site content.

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

12Indemnity

You agree to indemnify and hold richer.au harmless from any claim, loss, liability or expense (including reasonable legal fees) arising from your breach of these Terms or misuse of the Site.

13Privacy

Our collection and handling of personal information is set out in our Privacy Policy, which forms part of these Terms.

14Changes to these Terms

We may update these Terms from time to time to reflect changes in our practices or for legal reasons. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

15Termination

We may suspend or restrict your access to the Site at our discretion, without notice, if we reasonably believe you have breached these Terms.

16Governing law

These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state.

17Contact us

Questions about these Terms can be sent to admin@richer.au or via our Contact page.