Welcome to www.wisdomaccounting.com.au ("the Website"). This Website is operated by Wisdom Accounting ("we", "our", or "us"), a professional accounting and taxation practice based in Newcastle, NSW.

By accessing or using the Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not accept these Terms, you must stop using the Website.

We may update these Terms from time to time. Updates take effect when published on the Website. Continued use of the Website indicates acceptance of any changes.

You accept the Terms by:

• Accessing or remaining on the Website; or
• Clicking "accept" where prompted.

If you use the Website or Services on behalf of another person or business, you confirm you have authority to do so.

Some Services may require registration of an account ("Account"). To register, you may be asked to provide:

• Name
• Email address
• Postal address
• Phone number
• Username and password
• Tax File Number (if required for tax preparation)

You warrant all information provided is accurate and current.

We may refuse or cancel an Account at our discretion.

If you create an Account, you agree to:

• Use the Website and Services lawfully
• Keep login credentials secure
• Notify us immediately of unauthorised access
• Not use the Website for unsolicited marketing or data mining
• Not engage in automated scraping, bots, or similar activity without permission
• Be responsible for all activity under your Account

Payments for Services may be made by EFT, bank transfer, Stripe, or other approved methods.

By making payment, you agree to the payment processor's terms.

You are responsible for charges related to:

• Failed payments
• Returned transactions
• Incorrect payment details

We may change Service fees at any time.

Refunds may be issued if:

• We are unable to provide the agreed Services, or
• We determine a refund is reasonable based on the circumstances.

This policy is in addition to your rights under the Australian Consumer Law.

All Website content is owned or licensed by Wisdom Accounting unless otherwise stated.

You may:

• View Website content
• Print content for personal use
• Store Website material for personal, non-commercial purposes

You may not:

• Republish or reproduce Website content without permission
• Use our branding or trademarks without authorisation
• Distribute Website material commercially

All rights are reserved.

Your personal information is collected and handled in accordance with our Privacy Policy.

Using our Website or Services indicates acceptance of our privacy practices.

To the extent permitted by law:

• The Website and Services are provided "as is"
• All implied warranties are excluded
• We do not guarantee uninterrupted or error-free access
• We are not responsible for third-party links, service interruptions, or data loss

Important notice: Information on this Website is general in nature. It is not financial, accounting, or taxation advice. You should obtain advice specific to your circumstances before acting.

Nothing in these Terms limits your rights under the Australian Consumer Law.

Our liability for any claim arising from your use of the Website or Services is limited to:

• The resupply of the Services, or
• The cost of having the Services re-supplied.

We are not liable for indirect or consequential loss, including loss of business, profits, or reputation.

Competitors — including other accountants, bookkeepers, and advisors — may not:

• Access the Website for commercial analysis
• Use Website content to benefit their business

Breaching this clause may result in legal action.

We may suspend or terminate your access to the Website if:

• You breach these Terms, or
• Your actions negatively affect our business or reputation.

You may terminate your Account by giving 14 days' written notice.

Termination does not affect rights accrued prior to termination.

You agree to indemnify Wisdom Accounting, its owners, staff, and contractors against any claims, damages, losses, or expenses arising from:

• Your use of the Website or Services
• Your breach of these Terms
• Your violation of the law or third-party rights

Before taking legal action, both parties agree to:

• Provide written notice outlining the dispute
• Attempt to resolve the matter in good faith within 28 days
• If unresolved, participate in mediation in Newcastle, New South Wales

This clause does not limit either party's right to seek urgent injunctive relief.

These Terms are governed by the laws of New South Wales, Australia. You agree to the exclusive jurisdiction of the courts in Newcastle, NSW.

If any clause in these Terms is unenforceable, the remaining provisions will continue in full effect.

For questions about these Terms, please contact:

Wisdom Accounting
Email: info@wisdomaccounting.com.au
Phone: +61 484 351 189
Address: 3/27 Kelton St, Cardiff NSW 2285
ABN: 95 135 826 932