Terms of Use & Regulatory Disclaimer
Last updated: November 2026 • Governing jurisdiction: New South Wales, Australia
General Advice Warning (Corporations Act 2001)
The information, statutory models, and calculation outputs provided on BankToSheet.com.au are general in nature and do not constitute personal financial product advice, taxation advice, legal advice, or credit assistance under the Corporations Act 2001 (Cth) or the National Consumer Credit Protection Act 2009 (Cth).
All calculations are generated without considering your personal objectives, financial situation, or individual needs. Before making an investment, loan, or tax decision based on these outputs, you should consider the appropriateness of the advice having regard to your personal situation and seek independent guidance from an Australian Financial Services Licence (AFSL) holder or Australian Credit Licence (ACL) holder.
1. Statutory Model Accuracy & Rates
Calculators are coded against publicly available statutory schedules published by the Australian Taxation Office (ATO), State Revenue Offices (Revenue NSW, SRO Victoria, QRO, etc.), the Australian Prudential Regulation Authority (APRA), and Services Australia. While we take every reasonable precaution to keep rates and indexing parameters updated, statutory rules and thresholds change periodically. We do not guarantee the completeness or absolute statutory accuracy of any calculation.
2. Permitted Use
You are granted a revocable, non-exclusive license to use the calculators for personal financial modeling or practitioner advisory workflow (mortgage brokers, accountants, financial planners). You may export and share generated Clean Sheets with clients or partners. Automated scraping, extraction of statutory database engines, or denial-of-service activity is strictly prohibited.
3. Limitation of Liability
To the maximum extent permitted by Australian law, BankToSheet.com.au, its directors, and technical operators shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising out of your reliance on any statutory calculation, estimation, or outbound partner referral.
4. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.