Terms of Service

1. Acceptance of Terms

By accessing or using entitlemate (the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Nature of the Service

entitlemate is a financial simulation tool, not a financial advice service. The Service:

• Provides technical validation of government entitlement rules based on the inputs you provide.
• Does not constitute personal financial advice under the Corporations Act 2001 (Cth).
• Does not access, link to, or interact with any real-world financial accounts, bank accounts, or government systems.
• Is a "Digital Twin" — a simulation baseline built from your self-reported data.

3. Eligibility

You must be at least 18 years of age to use the Service. By using entitlemate, you represent that you are at least 18 years old and have the legal capacity to enter into these terms.

4. User Accounts

• You may use entitlemate without creating an account. Account creation is optional and enables cloud backup of your profile data.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to provide accurate information when creating your profile.

5. Accuracy of Calculations

entitlemate uses published government thresholds, taper rates, and rules sourced from the Australian Taxation Office (ATO), Services Australia, and the Department of Education. While we make every effort to keep these current:

• Calculations are estimates based on your inputs and may not reflect your exact entitlement.
• Government rules change. We update our logic regularly, but there may be a delay between a legislative change and our update.
• All calculations include a source citation footer referencing the legislative source and financial year.

6. Intellectual Property

All content, design, code, and logic within entitlemate is the intellectual property of Brendan Ryan and may not be reproduced, distributed, or used commercially without written permission.

7. Limitation of Liability

To the maximum extent permitted by Australian law:

• entitlemate is provided "as is" without warranties of any kind.
• We are not liable for any financial decisions made based on outputs from the Service.
• We are not liable for any loss, damage, or cost arising from the use of or inability to use the Service.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data.

9. Termination

We reserve the right to suspend or terminate access to the Service at any time, for any reason, without notice. You may delete your account and data at any time by logging out or contacting us.

10. Governing Law

These terms are governed by the laws of the State of New South Wales, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

11. Changes to Terms

We may update these terms from time to time. Continued use of the Service constitutes acceptance of the updated terms.

12. Contact

For questions about these terms:

brendan@entitlemate.com