Free, and nothing changes on this page. One email, then only if the rates change or a deadline is close. Unsubscribe in one click.
Every calculation is unlocked. Change one figure and re-run it as many times as you like — nothing is deducted, nothing counts down, and none of it expires.
Rates indexed 20 March and 20 September · thresholds 1 July
You worked, you saved, you paid off the house. Now a means test with two halves and four thresholds decides what you are paid, and nobody has told you the one number that matters: above the assets test free area, every $1,000 you hold takes $78 a year off your pension. That is 7.8% — the return those savings have to beat, after fees and after tax, just to break even.
A licensed adviser sorts it out for $3,500 to $5,000, over weeks. We do it in three minutes — your rate under both tests, which one is holding it down, and every lawful way of moving assets out of the count, priced and ranked.
A rough guide only — it treats everything you own as savings. The full calculator splits it into the parts that are assessed differently, runs both tests, and prices every option.
If this is you
The rules are public and they are also spread across three indexation cycles, four free areas, two tests, a rate of return that is assumed rather than measured, and a cut-off point nobody publishes because it is arithmetic on two other numbers. Services Australia will tell you your rate. Nothing asks anybody to tell you how it was arrived at.
The letter states a rate to the cent and shows none of the arithmetic behind it. So the one thing you cannot work out from it is the thing that matters: whether the assets test or the income test produced that number, and therefore whether anything you do would change it.
Deeming is the rate the rules assume your savings earn, whatever they really earn. Deprivation is money you gave away that is still counted as yours. The free area is the line the assets test starts at. All three are real, all three have real figures behind them, and none of them is written in language anybody uses.
He is half right, which is worse than being wrong. Gifting inside the limits does raise the pension — and it takes about 12.8 years before the extra pension has replaced the money you gave away. Over a long enough run that is a gain. Over a short one it is a loss, and nobody at the barbecue works out which.
Above the free area every $1,000 costs $78 a year of pension, which is a 7.8% return your savings have to beat after fees and tax. That is not a punishment, it is a taper — but it does mean the money is working much harder than anybody told you, and it is worth knowing exactly how much.
You type in what you have. We apply the actual published rules, run both tests in full, work out every way you are allowed to move assets out of the count, and put them in order on one stated measure. No appointment, no sales call, no product at the end of it, and nothing that asks for a Customer Reference Number or a bank detail.
Three questions, thirty seconds, and you will know roughly where you stand. It costs nothing.
The loss
Both own their home. Both have exactly the same total wealth. The only difference is how much of it the assets test can see — and neither couple did anything the rules do not allow.
Both couples are invented and neither figure is. The free areas, the $3.00 taper and the maximum rates are published by Services Australia under the Social Security Act 1991, and this calculator applies them to whatever you type in. The worked examples run eight more households through the same engine, live, every time that page loads.
The alternatives
| Guess What most households do |
Pay for advice A licensed financial adviser |
Pension Optimiser This calculator |
|
|---|---|---|---|
| What it costs | Nothing now, $15,600 a year if you are $200,000 over |
$3,500 – $5,000 | $249 |
| How long it takes | An afternoon on the Services Australia site | Two to six weeks | Under 3 minutes |
| Every option priced | |||
| Working shown | In a summary, usually |
The clock
Everything in this calculation is indexed on a published cycle, and every cut-off point moves with it — a cut-off is the free area plus the maximum rate divided by the taper. A household sitting close to a line can cross it on an indexation day without touching a dollar, and shares and managed funds are revalued for you whether you report anything or not.
A change in assets or income is reported within 14 days of it happening — money spent, money given away, something bought, something sold. A rate calculated on a balance that no longer exists is a rate that gets corrected later, with the difference owed back. The taper that decides the size of it is — a fortnight per $1,000. How the assets test works.
The maximum rate moves, and every cut-off point moves with it. A run against the old schedule is not slightly out, it is out in every line, because the whole calculation hangs off the maximum rate and the free area. These figures are the — rates. What moves, and when.
The assets test free areas, the income test free areas and the deeming thresholds are indexed on 1 July. A household just under a line one June is sometimes just over it the next. These thresholds are the — set, and the free area for a homeowner couple is —.
The report
The free estimate tells you where you stand. This is the part that prices what the rules would let you do about it. Twelve sections and eleven charts, on your own figures, with every working shown so you can check it or argue with it.
See a real one, free — an invented household run all the way through, with the open half exactly as a customer sees it, and the assistant live on it for two questions.
How it works
If you can read a bank statement you can use this. Simple mode asks six short questions and assumes the published rates for everything else. Advanced adds gifts, the Work Bonus income bank, the loan on the house and the length of the projection.
Savings and super, an investment property, the car and contents, any income, and whether you own the home you live in. Rounded figures are fine. We never ask for your name, your Customer Reference Number, your tax file number or a bank detail — we do not hold any of them and could not use them.
Your rate under both tests to the cent, which of the two is holding it down, how far you are from your free area, what the taper is taking a year, and every option named and explained. That much is free and it is the half Services Australia would give you.
$249 opens the full report: every option worked out and put in order, so the expensive one is obvious before you commit. PDF included, ready to print.
The rates, free areas and deeming thresholds Services Australia publishes under it, and the deeming determinations made under it. 20 March 2026 rates, 1 July 2026 thresholds, both named on every page and every report.
Nothing is a black box. Every figure in the report carries the arithmetic that produced it.
We are not licensed to give personal financial advice and we never tell you which option to pick. We rank on one stated measure, we say what that measure cannot see, and the arithmetic is the part most households are missing anyway.
If the report does not apply to your circumstances, it is refunded. Keep the terms here identical to the ones on the pricing page and in the checkout.
Included with the report
Every report comes with an assistant that has read your report — your figures, your options, your numbers — and answers questions about it in plain English. Not a search box and not a help page. It knows what your report says because it has been given it.
An example of the kind of answer it gives, on the sample report's figures.
Pricing
One payment, no expiry, nothing to renew, and we never keep your card. It opens the whole report and lets you redo the sums as often as you like, for as long as you like.
Prices in Australian dollars. Paid securely through PayPal — card or PayPal balance, no account needed. See a sample report before you decide.
Questions
The full rate stops at the free area and the pension stops entirely at the cut-off. For a homeowner couple that is $499,000 and $1,102,467; for a single homeowner $333,000 and $733,300. If you do not own your home both figures are higher: $766,000 and $1,369,467 for a couple, $600,000 and $1,000,300 for a single person. Between the two, every $1,000 costs $78 a year. The home you live in is not counted at any point.
This is not a one-off decision, which is exactly the problem: the taper does not take $15,600 once, it takes it every year for as long as the money sits where it is. A gift cannot be undone, a house sale cannot be undone, and five years is a long time to have money counted that you no longer have — so the three minutes it takes to see the arithmetic first are the cheapest three minutes in the whole thing.
No card. No sign up. Your answer on the next screen.
Free, no card, no sign up. Your rate under both tests on the next screen.
Most calculators tell you what your pension is. This one prices every lawful way of increasing it — the exempt home, funeral bonds, a younger partner's super, gifting inside the limits — and shows the exact point at which each one stops adding a dollar.
Figures as at —.
Your estimate
What the rules allow you to do about it, priced on your own figures.
You can provide a different email to use as your login - or the PayPal one
And you can ask it questions. Your report comes with an assistant that has read it and explains any figure in plain English — if you want it. It is given the amounts on your report, never your name or your email, and the conversation stays in your browser.
Your rate under both tests, the free area for your household, and what the taper is taking a year — in one email, with a link straight back to your own figures. Nothing to fill in twice.
One email, then only if the figures change or a deadline is close. Unsubscribe in one click. We never sell your address.
Before you move a dollar
Above the assets test free area, every $1,000 costs $78 a year of pension — for as long as you hold it. The report prices every arrangement the rules allow, ranks them on one stated measure, and names the point at which each one stops helping.
Yes, it is included, and using it is entirely your choice. It sits behind one button on your report and does nothing until you press it — nothing in the report is held back from somebody who never opens it.
When you do ask it something, what it receives is the figures on your report: amounts and categories. Not your name, not your email address, not your account, and never a Medicare number, tax file number or bank detail — we do not hold those in the first place. The name you can put on the report cover is optional and is not part of what it is given. The conversation stays in your browser tab and is gone when you close it, and we record that a question was asked without recording what it said.
Section 5 of the privacy policy sets out exactly what does and does not travel, including who processes it.
No. You pay once and the access is yours. There is no subscription and nothing renews. PayPal handles the payment, so we never even see your card number.
No, and it is not licensed to. It applies the published Age Pension rules to the figures you enter, prices every lawful arrangement on one stated measure — the pension received over your projection plus what you still own at the end — and puts them in order. It says which one leaves the most on that measure and it never says which one is best for you, because that depends on things no calculator has.
Pension Optimiser provides information, not financial product advice. We are not licensed to give personal financial advice and we never tell you which option to pick. What we do is apply the published rules to the figures you enter and show you what they produce, with every working visible. Your actual rate is determined by Services Australia, from the assets and income you have declared to them, and it changes when those change or when the rates are indexed. Services Australia's Financial Information Service will explain the rules to you for nothing, and a licensed financial adviser is the only person who can give you a personal recommendation.
The full report opens the moment the payment clears — on your own figures, with every option priced and ranked, and nothing left to buy afterwards.
You can provide a different email to use as your login - or the PayPal one
Worked examples
Four households giving up pension to a threshold nobody explained to them, and five who are entitled to more than they believed. All nine are invented; not one of the figures is. Every number on this page is produced when the page loads, by the same engine a paying customer's report is built with, on the rates and thresholds named at the bottom of this block — so nothing here can quietly go stale.
The assets test and the income test are worked out separately and in full. Whichever produces less is what you get. Knowing which one it was is worth as much as the figure itself, because only one of them moves when you move money.
$3.00 a fortnight for every $1,000 of assessable assets over the line, for as long as you hold it. That is 7.8% — the return those assets have to earn, after fees and after tax, just to replace the pension they are costing.
Whatever it is worth, and whatever is spent on it. A funeral bond up to $16,250 a person is not counted either, nor is a partner's superannuation while that partner is under 67. That short list is the whole of it.
Everything below is those facts in real dollars, for nine different households. Worked out on the current schedule.
Your own answer turns on four things none of these households shares with you: which side of your free area you are on, which of the two tests is binding, how much of what you own is liquid enough to move, and how many years you are measuring over. Three minutes, and it costs nothing.
Every lawful way this household is allowed to arrange the same $605,000, and what each one leaves after 20 years. Same household, same money — the difference is only in where it is held. Ranked on one measure and one only: the Age Pension received over the 20 years plus everything still owned at the end. It is not a recommendation.
Everything else in this report explains where they came from.
The measure. The Age Pension received across 20 years, plus everything the household still owns at the end of them, both in today's dollars, holding assets flat in real terms. Nothing in this report is called the best.
The assets test and the income test are worked out separately and in full, and the household is paid whichever produces less. For Gwen and Colin that is the assets test — which is why moving assets changes their answer and rearranging income would not.
| Test | Free area | Theirs | Over by | Would pay a fortnight |
|---|---|---|---|---|
| Assets test | $499,000 | $605,000 | $106,000 | $1,492.40 |
| Income test | $10,296 a year | $11,763 a year | — | $1,782.19 |
Flat to $499,000, then down at $3.00 a fortnight for every $1,000 — 7.8% a year — until it reaches nothing at $1,102,467. The marked point is where this household sits.
7.8%, and what it does and does not mean. Every $1,000 above the free area costs $78 a year of pension. To leave the household no worse off in income, that $1,000 has to earn $78 — 7.8% a year, after fees and after tax. Almost nothing does that reliably.
The capital is still theirs, and that is the other half of it. Which is why giving money away is a slower answer than moving it somewhere the test does not count it: a dollar given away takes about 12.8 years before the extra pension has replaced it.
The largest thing this household owns is missing from the assessment entirely, and most people have never seen their own broken up this way.
| What | Amount | Counted? |
|---|---|---|
| Savings, super and investments | $430,000 | Yes |
| Property and business assets | $120,000 | Yes |
| Car, contents and personal effects | $55,000 | Yes |
| The home they live in | $720,000 | No |
| Assessable assets | $605,000 | — |
The taller the bar, the more the arrangement leaves on the measure — pension received plus what is still owned. Nothing on it says "best": this report ranks and does not recommend.
Everything above is real arithmetic on a fictional household. Run yours and this half opens on your own figures.
And you can ask it questions. Every report comes with an assistant that has read your report and explains any figure in it in plain English. Using it is entirely your choice, it does nothing until you press the button, and it is given the amounts on your report and never your name, your email or your account.
That is somebody else's answer. Yours takes about three minutes and costs nothing.
The link may have already been used. If you are still getting emails, write to us and we will stop them by hand.
Guides
Written for the person the rules are about rather than for the person administering them. Every threshold is this schedule's, every sum is shown, and every claim can be traced back to the Act or to the table Services Australia publishes it in. Nothing is being sold at the end of any of them.
Reading is useful. Knowing what the taper is taking from you this year is better.
What can be done about it
Paying a family member for the right to live somewhere for the rest of your life creates a granny flat interest. What you paid is generally not treated as a gift and not counted as an asset — provided the arrangement passes the reasonableness test Services Australia applies to it.
It is a right to live in a property for life, where the property is owned by somebody else — usually an adult child. The right can be paid for with cash, by transferring a home, or by paying for construction on somebody else's land.
Despite the name it does not have to be a separate flat. A bedroom and shared living areas in a family member's house is a granny flat interest if the arrangement gives a right to live there for life.
Without them, transferring a home to a child in exchange for being looked after would be a very large gift, assessed as deprivation for five years, and the parent would lose most of their pension at exactly the moment they had given away everything they had.
So the Act treats the payment as consideration for a right rather than as a gift — subject to a test that stops it being used to move unlimited amounts out of the assessment.
Services Australia compares what was paid against a reasonable amount, calculated from a conversion factor based on your age and the annual partnered pension rate. If what you paid is at or below that figure, the whole amount is treated as consideration and none of it is deprivation.
annual partnered pension rate × age-based conversion factor = the reasonable amount
Anything paid above the reasonable amount is deprivation: counted as your asset for five years, and deemed for the income test at the same time. The test is applied at the time the arrangement is entered into, using the figures then current.
In the simplest case — where somebody transfers their home to a child and receives a granny flat interest in the same property, and nothing else changes hands — the reasonableness test is generally not applied.
It is when additional money is paid, or the arrangement is more complicated than that, that the calculation becomes the whole question. Which is precisely why this is the arrangement on this site that most needs a conversation with Services Australia before money changes hands.
A granny flat interest generally makes you a homeowner for the assets test, which puts you on the lower free area — $499,000 for a couple rather than $766,000. It also means the right itself is not counted as an asset.
That combination usually works out well for somebody who has transferred a home. It works out less well for somebody who has paid a modest amount and holds substantial savings, because they have taken the lower free area without exempting very much.
This is a family arrangement with a legal life of its own, and the social security treatment is the least of what can go wrong:
A written agreement drawn by a solicitor is the ordinary answer to all of those, and it is worth having whether or not the pension treatment needs it. Verbal family arrangements involving several hundred thousand dollars are where a great deal of elder financial abuse begins.
The reasonableness formula depends on age, on the pension rate at the time, and on the exact terms of the arrangement, and the consequence of being over the line is a five year deprivation that changes the whole assessment. That is not something to estimate from four fields on a web page.
What the calculator can do is show where the household stands now, and what the homeowner and non-homeowner free areas would each produce, so the conversation with Services Australia starts from a position rather than from nothing.
Services Australia's Financial Information Service is free, is part of Services Australia, and will go through a proposed granny flat arrangement with you before it happens. A solicitor draws the agreement. Neither of those is optional on an arrangement of this size, and both are cheaper than the five year version of getting it wrong.
Run it as a homeowner and as a non-homeowner and see what the difference is worth before anybody signs anything. Free.
Your saved reports and your access are waiting.
Free. It saves your scenarios so you never re-type a figure.
We will email you a link that works once and expires in an hour.
Pick something you will remember.
Unlock the full report to see every option priced and ranked.
About
You have worked, saved, paid off a house, and arrived at the one part of Australian retirement nobody prepares you for: a means test with two halves, four different thresholds, a rate of return that is assumed rather than measured, and a taper that quietly takes $78 a year off your pension for every $1,000 you happen to hold above a line. Nobody sends you a letter about the line. You find out you are over it because the payment is smaller than you expected, and then you are told the figure and never the arithmetic behind it.
None of it is secret. It is in the Social Security Act 1991, the Social Security (Administration) Act 1999, the deeming rate determinations made under them, and the assets and income test tables Services Australia publishes and reindexes on 20 March, 20 September and 1 July. What almost nobody has is their own figures put through it: the rules are spread across dozens of pages written for administrators, across three separate indexation cycles nobody outside the industry follows, and around a cut-off point that is not published as a rule at all because it is arithmetic on two other numbers.
Pension Optimiser does one thing: it applies those published rules to your figures and shows you, in full, what they produce. Both tests calculated separately, so you can see which one is actually holding your rate down. Every lawful way of moving assessable assets out of the count, priced against each other on one stated measure. The point at which each one stops adding a dollar. Every working visible, so you can check it, argue with it, or take it to somebody who can.
We do not tell you what to do. We are not licensed to, we sell no financial products, we take no commissions and we make no referrals — and frankly the arithmetic is the part people are missing, not the opinion. Services Australia's Financial Information Service is free and will talk you through the rules in person, and here is what a licensed adviser costs if you decide you want a personal recommendation as well.
Short version: we hold as little as we can, we never ask for the identifiers that matter most, and the calculation runs on your own device. The long version is below, because you are entitled to it.
This policy explains how XTO Pty. Ltd. (we, us, our) collects, holds, uses and discloses personal information, and how you can access, correct or complain about it. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
It applies to calculatedchoices.com.au and to every email we send you. It does not apply to any third party site we link to.
We do not ask for, and you should never send us, your Medicare number, tax file number, Centrelink Customer Reference Number, tax file number or bank account details, bank account details or card number. The calculator does not need them. If you send one to us anyway we will delete it rather than store it.
We do not collect sensitive information as defined in the Privacy Act — health information, racial or ethnic origin, political or religious beliefs, sexual orientation, or criminal record. Where the calculator asks about care needs it asks about funding categories, never about a medical condition.
Information you give us
Information collected automatically
In your browser, on your device. The figures you type into the calculator are processed locally to produce your result. They are transmitted to us only if you choose to save a scenario to your account. If you never save one, we never receive them.
Two exceptions, and both are things you have to choose to do:
A paid report comes with an optional assistant you can ask questions about your own figures. It is the one part of this site that sends anything to a third party, so it is set out here in full.
It is entirely your choice, and it does nothing until you use it. Nothing is sent anywhere unless you open the assistant and ask a question. If you never open it, this section does not apply to you at all, and the rest of the report works exactly the same.
What is sent when you do ask
What is not sent
What travels is a set of amounts and categories. On its own it does not identify anybody, and we do not send anything alongside it that would.
Who processes it
The request is answered by Google's Gemini API, which processes it outside Australia — see sections 10 and 11. We do not train any model on your figures and we have no arrangement permitting anyone to do so; what Google does with data sent to its API is governed by its own terms, which we do not control.
How long it is kept
Because the assistant is optional, you can have the entire paid report without any of the above ever happening. Nothing in the report is withheld from somebody who never opens it.
We use the following, and nothing else:
You can clear or block these through your browser at any time. Clearing them will sign you out and reset your preferences; the site will otherwise work normally.
We use Google Analytics and Google Ads to measure how people find and use the site and whether our advertising is worth running. Where these are enabled, Google receives your IP address, device and browser information, the pages you viewed, and — when you complete a purchase — the order reference and the amount paid. Google may set its own cookies and may combine this with data it holds from other sources. Google's handling of that data is governed by its own privacy policy, not ours.
We do not sell your personal information, and we do not disclose it to data brokers, advertising networks other than as described above, Services Australia, financial advisers, superannuation funds or product issuers, or anyone who might try to sell you something.
You can opt out of Google Analytics using Google's browser add-on, and you can adjust personalised advertising in your Google account settings.
Payments are processed by PayPal. Your card or account details are entered on PayPal's systems and are never transmitted to, seen by, or stored on our servers. We receive only the transaction reference, the amount, the status and the email address associated with the payment.
Some of these providers store or process data outside Australia, principally in the United States (Google, PayPal) and, depending on our email provider, in other countries. By using the site you acknowledge that we take reasonable steps to ensure overseas recipients handle your information consistently with the APPs, but that we cannot control and are not accountable for how an overseas recipient handles it once disclosed, and that you may not be able to seek redress in that jurisdiction.
The site runs entirely over HTTPS. Passwords are stored as salted PBKDF2 hashes, not as text anyone here can read. Access to the database is restricted to those who need it. No system is perfectly secure, and we cannot guarantee the security of information transmitted over the internet, but we take reasonable steps to protect it from misuse, interference, loss and unauthorised access, modification or disclosure.
If a data breach occurs that is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner as required by the Notifiable Data Breaches scheme.
If you give us your email address for a free estimate we may follow up about the full report. Every commercial email we send identifies us and carries a functional unsubscribe link, as required by the Spam Act 2003 (Cth). We action unsubscribes immediately. You will still receive transactional email — receipts, access details and password resets — because those are not marketing.
Write to support@calculatedchoices.com.au. We will:
We will respond within 30 days and will not charge you for making a request. We may need to verify your identity first.
If you think we have breached the APPs, write to support@calculatedchoices.com.au with "Privacy complaint" in the subject line. We will acknowledge within 5 business days and respond substantively within 30 days.
If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner: oaic.gov.au, 1300 363 992, or GPO Box 5288, Sydney NSW 2001.
The site is intended for people at or approaching Age Pension age, and their families. It is not directed at children and we do not knowingly collect personal information from anyone under 18.
We may update this policy. The effective date at the top changes when we do. Where a change is material we will tell you by email or by notice on the site before it takes effect. Continuing to use the site after that means you accept the updated policy.
Privacy Officer
XTO Pty. Ltd. (ACN [ACN NOT SET])
Level 1, 457 Elizabeth Street, Surry Hills NSW 2010
support@calculatedchoices.com.au
Plain English, because the whole point is that you understand it. Section 6 is the one that matters most — please read it before you rely on anything here.
By using calculatedchoices.com.au (the site) or buying a pass you agree to these terms. If you do not agree, do not use the site. In these terms we, us and our mean XTO Pty. Ltd.; you means the person using the site or, where you use it on behalf of another person or an entity, both you and that person or entity.
You must be at least 18 and legally able to enter a contract. The site is intended for use in Australia and applies Australian law and the published Age Pension rates, thresholds and deeming rules only. If you use it from outside Australia you do so on your own initiative and are responsible for local compliance.
Pension Optimiser is an information and calculation service. It applies the published Age Pension rates, thresholds and deeming rules to figures you supply and reports what those rules produce, showing its workings and naming the fee schedule used.
It is not financial product advice, personal advice, legal advice, tax advice, accounting advice or personal financial advice about your retirement income, and it is not a recommendation to acquire, dispose of or deal in any financial product.
You should obtain independent, licensed advice before acting. Any decision you make is yours.
We take considerable care to keep the rates current and the formulas right, and every report prints the schedule it was built on. Even so:
Always confirm before you act.
You acknowledge and agree that you are solely responsible for evaluating the output, for verifying it against official sources, for obtaining independent professional advice, and for every decision you make or do not make. We are not your adviser and no fiduciary or advisory relationship arises from your use of the site.
You are responsible for keeping your password confidential and for everything done under your account. Tell us immediately at support@calculatedchoices.com.au if you suspect unauthorised use. We may suspend or close an account we reasonably believe is being used in breach of these terms.
A report you export as a PDF or otherwise save remains yours to keep and to show to family, an adviser or Services Australia. That licence is personal and non‑commercial. It does not permit republication, resale, or use as part of a product or service you provide to others.
Our promise: if the calculator cannot properly model your circumstances, or something has gone wrong, write to us within 14 days of purchase and we will refund the pass. No form and no argument. We would rather refund you than have you rely on a number that does not fit.
This is a voluntary commercial guarantee offered in addition to, and it does not limit, your rights under the Australian Consumer Law. Refunds are made to the original payment method within five business days of us accepting the request.
You must not:
All content, code, calculation methodology, report design, text and branding on the site is owned by us or licensed to us and is protected by copyright and other laws. Legislated rates and government data are not owned by anyone; our expression, arrangement and implementation of them is. Nothing in these terms transfers ownership to you.
We aim to keep the site available but do not guarantee it will be uninterrupted, timely, secure or error free. We may modify, suspend or discontinue any part of it, and may perform maintenance, at any time. If we permanently discontinue the service while your pass is running, we will refund the unused portion.
The site relies on third party services including PayPal, Google and our hosting and email providers, and links to third party sites and government resources. We are not responsible for those services or sites, their availability, their content or their terms.
Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the Australian Consumer Law or any other law which cannot lawfully be excluded, restricted or modified. If any part of these terms would do so, that part does not apply.
Subject always to section 15, and to the maximum extent permitted by law:
You agree that this allocation of risk is reasonable given the price of the service and that the service is information rather than advice.
Our liability is reduced to the extent your loss is caused or contributed to by you, including by entering incorrect figures, by failing to verify output against official sources, or by failing to obtain independent advice.
To the maximum extent permitted by law, you indemnify us against any claim, loss, liability, cost or expense (including reasonable legal costs) arising from your breach of these terms, your misuse of the site, or your provision of the site's output to a third party who relies on it. This does not apply to the extent the claim arises from our own breach, negligence or wilful misconduct.
You may stop using the site at any time. We may suspend or terminate your access immediately if you breach these terms. Sections 4, 5, 6, 9, 12, 15, 16, 17, 19 and 20 survive termination.
Our Privacy Policy forms part of these terms and explains how we handle personal information.
These terms are governed by the laws of New South Wales, Australia. You and we submit to the non‑exclusive jurisdiction of the courts of New South Wales and the courts entitled to hear appeals from them.
XTO Pty. Ltd. (ACN [ACN NOT SET])
Level 1, 457 Elizabeth Street, Surry Hills NSW 2010
support@calculatedchoices.com.au