Terms of service, in plain English.

These terms govern your use of SMSF Core, operated by SMSF Core Australia Pty Ltd (ACN 697 503 352). By creating an account or using the service you agree to them. The service is intended for use with Australian self-managed superannuation funds by people who are at least 18 and able to form a binding contract.

SMSF Core is an information and record-keeping tool. It is not a licensed financial service, does not hold an Australian Financial Services Licence, does not provide financial product advice, and is not a registered tax agent.

The product performs calculations on the data you provide and shows the result with the rule or provision referenced. It does not interpret your circumstances.

Nothing in the product or on this site is a recommendation to acquire, hold or dispose of any financial product.

You remain responsible for your decisions. Before acting on anything the product shows, consider whether to obtain advice from an Australian Financial Services licensee, a registered tax agent or your fund's auditor.

We work to keep calculations aligned with current law and ATO guidance, and every coded legislative fact is re-verified against primary sources on a schedule. Even so, law changes, and outputs depend entirely on the completeness and accuracy of the data your fund provides. Check outputs against your own records; do not treat the product as the sole basis for a tax or compliance position.

New accounts start with a 30-day free trial. No card is required to start, and the trial does not convert to a paid plan by itself.

After the trial, continued use of paid features requires a subscription. Prices are shown on the pricing page in AUD including GST. Payments are processed by Stripe Australia; subscriptions renew automatically until cancelled. If prices change, the change applies from your next billing period and we will email you before it does.

Your records do not disappear and are never held hostage:

• The account drops to read-only. You can keep signing in and viewing your data.
• Exports stay free: BGL SF360, Class and CSV exports are available on every plan, during the trial, and after any subscription ends.
• You can delete the account and its data whenever you choose.

You own the data you upload or enter. You grant us a limited licence to process it solely to provide the service to you. Fund data is stored with Supabase in the Sydney, Australia region; how we handle personal information is set out in the privacy policy.

Do not misuse or attempt to disrupt the service, probe or bypass its security, reverse-engineer it, upload data you have no right to use, use it to break any law, or scrape it beyond normal use. We may suspend or close accounts that breach these terms; export remains available.

We aim to keep the service available but do not promise uninterrupted access, and we may maintain, update or modify it.

Nothing in these terms excludes rights under the Australian Consumer Law that cannot lawfully be excluded. To the extent the law permits, we are not liable for loss arising from reliance on outputs, from errors in data provided to the product, or for indirect or consequential loss; where liability can be limited but not excluded, our total liability is limited to the fees you paid us for the twelve months before the claim.

If these terms change materially, we will email account holders before the change takes effect and update the date at the top of this page.

These terms are governed by the laws of New South Wales, Australia, and disputes belong to the courts of New South Wales.

Contact: SMSF Core Australia Pty Ltd, Sydney, Australia. hello@smsfcore.com.