The terms that govern your use of our website and your engagement of our consulting services.
These Terms and Conditions ("Terms") govern your use of the website located at pensionpreppersaustraliapty.site ("Site") and your engagement of any consulting services provided by Pension Preppers (Australia) Pty Ltd (ABN 85 696 946 568 / ACN 696 946 568) ("Pension Preppers", "we", "us", or "our").
By accessing our Site, engaging our services, or entering into a consulting agreement with us, you ("you" or "Client") agree to be bound by these Terms. If you do not agree, please do not use our Site or engage our services.
These Terms are governed by the laws of Western Australia and the Commonwealth of Australia, including but not limited to the Competition and Consumer Act 2010 (Cth) (incorporating the Australian Consumer Law), the Corporations Act 2001 (Cth), the Australian Securities and Investments Commission Act 2001 (Cth), and the Privacy Act 1988 (Cth).
You may access and use the Site for lawful personal or business purposes in accordance with these Terms. You must not:
Pension Preppers provides retirement and pension preparation consulting services, including superannuation strategy, Age Pension planning, retirement income structuring, pre-retirement planning, estate and succession planning, and investment review. Service availability, scope, and timelines are confirmed in individual consulting agreements.
Important Disclaimer: The information provided on this Site and through our consulting services is general in nature and does not constitute personal financial advice as defined under the Corporations Act 2001 (Cth). We provide retirement preparation consulting and guidance based on publicly available information and your stated circumstances. You should consider obtaining independent licensed financial advice tailored to your specific situation before making any financial decisions.
Nothing on this Site constitutes legal, tax, or investment advice. Content relating to superannuation, pensions, or financial planning is general in nature and should not be relied upon without independent professional consultation.
All consulting engagements are subject to acceptance by Pension Preppers. Fees are confirmed in a written consulting agreement or engagement letter prior to commencement of services.
You agree to:
All intellectual property rights in the content of the Site — including text, graphics, logos, reports, templates, and software — are owned by or licensed to Pension Preppers. Nothing in these Terms grants you any right to use our intellectual property other than as permitted herein.
Reports, plans, and documents prepared specifically for you as part of a consulting engagement are provided for your personal use only and may not be reproduced, distributed, or shared without our prior written consent.
Nothing in these Terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by the Australian Consumer Law (ACL) (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot be lawfully excluded or limited.
Where our services are supplied to a consumer under the ACL, you may have consumer guarantees including that services are provided with due care and skill, are fit for purpose, and will be supplied within a reasonable time.
To the extent permitted by law, our liability for a breach of a non-excludable consumer guarantee is limited (at our election) to:
Subject to clause 8 and to the fullest extent permitted by law:
You agree to indemnify, defend, and hold harmless Pension Preppers, its directors, officers, employees, and agents from any claims, losses, damages, costs, or expenses (including reasonable legal fees) arising from:
Each party agrees to keep confidential all non-public information received from the other party in connection with a consulting engagement, and to use such information only for the purposes of that engagement. This obligation survives termination for a period of 3 years and does not apply to information that is or becomes publicly known other than through breach of this clause.
Either party may terminate a consulting engagement by providing written notice as specified in the relevant consulting agreement. Upon termination:
We reserve the right to suspend or terminate access to the Site at any time without notice.
In the event of a dispute, the parties agree to:
Nothing in this clause prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction.
Your personal information is handled in accordance with our Privacy Policy, which forms part of these Terms. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
We may update these Terms at any time by publishing the revised version on our Site. The revised Terms will be effective from the date of publication. Continued use of the Site or engagement of our services after changes are published constitutes acceptance of the updated Terms.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed, and the remaining provisions shall continue in full force and effect.
Failure by Pension Preppers to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
These Terms, together with any written consulting agreement and our Privacy Policy, constitute the entire agreement between you and Pension Preppers with respect to your use of the Site and engagement of our services, superseding all prior agreements, representations, and understandings.
These Terms are governed by and construed in accordance with the laws of Western Australia and the Commonwealth of Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Western Australia (and any relevant appellate courts) for the resolution of any disputes arising under or in connection with these Terms.
For any questions regarding these Terms, please contact: