Terms of Use

1. Acceptance of Terms

By accessing and using the Merit Financial Services website (meritfp.com.au), you accept and agree to be bound by these Terms of Use. If you do not agree, please do not use this website.

2. About Merit Financial Services

Merit Financial Services is operated by Jim Mills and Sarah Mills, Corporate Authorised Representatives of Paragem Pty Ltd (ABN 16 108 571 875, AFSL 297276). References to "Merit", "we", "us", or "our" refer to Merit Financial Services.

3. General Information Only

The content on this website, including all articles, guides, calculators, tools, and chatbot responses, is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs.

You should consider whether any information is appropriate to your circumstances and seek independent professional advice before making any financial decisions.

4. Calculators & Tools Disclaimer

Our online calculators and financial tools are provided for educational and illustrative purposes only. They:

• Use simplified assumptions and may not reflect your actual financial situation
• Do not account for all variables, fees, taxes, or market conditions
• Should not be relied upon as the sole basis for any financial decision
• Are not a substitute for professional financial advice

Results produced by calculators are estimates only and may differ materially from actual outcomes.

5. Ask Edgar AI Assistant

"Ask Edgar" is an AI-powered chatbot that provides general information sourced from publicly available data including tax legislation, superannuation rules, and government resources. Ask Edgar:

• Is not a qualified financial adviser
• Does not provide personal financial advice
• May produce responses that are incomplete, outdated, or inaccurate
• Should not be relied upon for financial decision-making

Always verify information with a qualified adviser. For personal advice, contact Merit on 1300 827 439.

6. Intellectual Property

All content on this website — including text, graphics, logos, images, calculators, code, and design — is the property of Merit Financial Services or its licensors and is protected by Australian and international intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent, except for personal, non-commercial use.

7. Third-Party Links

This website may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, or availability of external sites. Inclusion of a link does not imply endorsement.

8. Limitation of Liability

To the maximum extent permitted by law, Merit Financial Services, its principals, employees, and Paragem Pty Ltd exclude all liability for any loss or damage (including indirect, consequential, or economic loss) arising from:

• Use of or reliance on information on this website
• Use of calculators, tools, or the Ask Edgar chatbot
• Any interruption or unavailability of the website
• Errors, omissions, or inaccuracies in content

9. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

10. Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.

11. Changes to These Terms

We may update these Terms of Use from time to time. Continued use of the website after changes constitutes acceptance of the updated terms.

12. Contact

For questions about these Terms, contact us:

Email: service@meritfp.com.au
Phone: 1300 827 439
Post: PO Box 126, Round Corner NSW 2158