Disclaimer

The content published on the Nationwide Accountants and Advisers website — including articles, blog posts, calculators, guides, resource materials and service descriptions — is provided for general informational purposes only.

This information:

• Does not constitute professional accounting, taxation, financial planning, credit or legal advice
• Does not take into account your individual circumstances, financial situation, objectives or needs
• May not be current, complete or applicable to your jurisdiction
• Is subject to change without notice as legislation, regulations and ATO guidance evolve

You should not act or refrain from acting based on any information on this website without first seeking appropriate professional advice tailored to your personal situation.

General tax information on this website is based on Australian tax laws and ATO guidelines as understood at the time of publication. Tax laws change frequently and the application of tax rules depends heavily on individual circumstances.

Information provided about deductions, tax rates, offsets, concessions and compliance obligations is intended as a general guide only. It should not be used to make lodgement, planning or compliance decisions without first consulting a registered tax agent.

Nationwide Accountants and Advisers holds current registration as a tax agent with the Tax Practitioners Board (TPB). Tax advice is provided only through our formal engagement process.

Nationwide Accountants and Advisers, or its authorised representatives, provide financial planning services under an Australian Financial Services Licence (AFSL). General financial information on our website is not financial product advice as defined under the Corporations Act 2001 (Cth).

Any personal financial advice we provide will be documented in a Statement of Advice (SOA) or Record of Advice (ROA) and will take into account your specific financial situation, objectives and needs.

Important disclosure:

• Past performance of any investment or financial product is not a reliable indicator of future performance
• All investments involve risk, including the possible loss of capital invested
• Returns on investments and superannuation are not guaranteed
• Insurance products are subject to the terms and conditions of the relevant policy
• Superannuation laws and Centrelink entitlements are subject to frequent change

Before investing or implementing any financial strategy, you should read the relevant Product Disclosure Statement (PDS) and consider obtaining independent advice.

Our mortgage broking services are provided by a licensed credit representative authorised under the National Consumer Credit Protection Act 2009 (Cth).

General information about home loans, interest rates, borrowing capacity, and lending products published on this website is provided for illustrative purposes only. It is not an offer of credit or a guarantee of loan approval.

You acknowledge that:

• Loan approval is subject to the lender's assessment of your creditworthiness and their lending criteria
• Interest rates, fees and product features are set by lenders and are subject to change without notice
• Comparison rates are provided for illustration purposes only and do not reflect all fees and charges that may apply
• Repayment figures shown in our calculators are estimates only and may differ from actual repayment amounts
• We may receive an upfront commission and trail commission from the lender upon settlement of your loan, which will be fully disclosed prior to application

You have the right to request information about any commissions or remuneration we receive in connection with credit products we recommend.

Information about self-managed superannuation funds (SMSFs) on this website is general in nature. Establishing and managing an SMSF involves significant legal, regulatory and financial responsibilities.

SMSF trustees are personally responsible for the fund's compliance with the Superannuation Industry (Supervision) Act 1993 (Cth) and related regulations. Breaches of the SIS Act can result in serious consequences, including financial penalties and loss of the fund's tax concessions.

You should seek specific professional advice before establishing or making significant changes to an SMSF.

The online calculators available on this website (including income tax, mortgage repayment, borrowing power, superannuation and GST calculators) are provided as general estimating tools only.

Calculations are based on assumptions and simplified rules, and may not reflect:

• Your exact individual tax position, including all applicable offsets, levies and surcharges
• Changes to tax rates, thresholds or rules after the calculator's last update
• Lender-specific credit criteria or actual loan product terms
• Superannuation fund-specific fees, insurance costs or investment returns

Results should be used as a starting point for discussion only. We strongly recommend consulting with one of our advisers for accurate figures based on your circumstances.

While we take reasonable care to ensure the accuracy of information on this website, we do not warrant that it is free from errors, omissions or inaccuracies. We accept no responsibility for any loss or damage arising from your reliance on information published on our website.

Links to third-party websites are provided for convenience only. We do not endorse or take responsibility for the content of those sites.

Visiting this website, completing a contact form or using our online calculators does not create a client relationship or impose any professional obligation on us. A formal client engagement is established only through a written engagement letter or signed service agreement.

Our services are provided under the following registrations and licences (details subject to change — please contact us to confirm current details):

• Nationwide Business Solutions Pty Ltd — ABN: 38 144 527 426 — Registered Tax Agent (Tax Practitioners Board)
• Nationwide Finance Pty Ltd — ABN: 63 108 966 178 — Australian Credit Representative (ASIC) for mortgage broking services
• Nationwide Wealth Management Pty Ltd — ABN: 97 614 891 020 — Corporate Authorised Representative No. 1251898 of Professional Investment Services Pty Ltd (PIS) ABN 11 074 608 558, AFSL No. 234951

You can verify our registrations via the TPB Register and the ASIC Connect Professional Registers.

If you have any questions about this disclaimer or wish to obtain professional advice specific to your situation, please contact us: