1. About This Website
This website is operated by S & J Financial Planning Pty Ltd (ABN: 68 696 225 948). By accessing or using this website, you agree to these Terms & Conditions.
The information on this website is general in nature and is provided for informational purposes only.
2. No Financial Product Advice
The content on this website is factual information only. It does not take into account your personal objectives, financial situation, or needs, and it should not be considered personal financial advice, taxation advice, or legal advice.
Before making any financial decisions, you should consider seeking personalised advice from a licensed financial adviser.
3. Accuracy of Information
We aim to ensure the information on this website is accurate and up to date. However, we make no guarantees that the content is complete, current, or free from errors. We may update or change content at any time without notice.
4. Use of the Contact Form
When you submit your details through our contact form, you consent to us using that information to respond to your enquiry.
We do not use your information for marketing, newsletters, or unrelated purposes. For more information on how we handle personal information, please refer to our Privacy Policy.
5. Intellectual Property
Unless otherwise stated, all content on this website — including text, graphics, logos, and layout — is the property of S & J Financial Planning Pty Ltd.
You may view and download content for personal use only. You must not reproduce, distribute, or modify any content without written permission.
6. Third‑Party Links
This website may contain links to external websites. We do not control, endorse, or take responsibility for the content or practices of any third‑party sites.
7. Limitation of Liability
To the maximum extent permitted by law:
We are not liable for any loss, damage, or costs arising from your use of this website or reliance on its content.
We do not guarantee that the website will be free from viruses, interruptions, or technical issues.
Your use of this website is at your own risk.
8. Governing Law
These Terms & Conditions are governed by contract law of Victoria, Australia, and applicable Commonwealth legislation. Any disputes will be subject to the exclusive jurisdiction of the courts of Victoria.
9. Changes to These Terms
We may update these Terms & Conditions from time to time. The updated version will be posted on this page with the effective date.
Effective date: 20 May 2026