Terms and Conditions

General

1. This website and the services provided through it is owned and conducted by Vital Docs Pty. Ltd. (ABN 30 568 854 806) (“Vital Docs”).
2. While every care will be taken in providing advice to you no liability or responsibility will attach to Vital Docs for any consequential loss or damage except only for such liability which cannot by law be excluded. You agree and acknowledge that appropriate advice may not be provided adequately without a complete analysis of your personal and financial situation.
3. The advice given to you through this website is based on the information you have provided and as against the law current as at the date of the advice given. If the information as provided by you is incorrect or incomplete the advice given may not accurately reflect your objectives.
4. You agree and acknowledge that the advice given is not financial advice pursuant to the Corporations Act and other legislation governing the provision of financial advice.
5. This website and its use by you shall only be available if you have read these terms and accept that they will govern your right to use and access the website. The receipt by you of advice given to you in response to your question will be conclusive evidence of your agreement and acceptance that these terms govern your rights and obligations and those of Vital Docs as between each other.
6. Vital Docs reserves the right to change these terms and conditions of use at any time and those changes shall take effect in respect of all subsequent uses by you of the website. You should therefore check these terms and conditions every time before you use the website and only if you accept these terms and conditions should you proceed to access and use the services provided through this website.
7. The advice to be provided to you through this website will be provided by Chartered Accountants with practising certificates located in Australia and generally pursuant to the law applicable in the State of New South Wales. You acknowledge and agree that the advice to be given through this website will have regard to income tax law and superannuation law as may be applicable from time to time.
8. Subject to the provisions of the Competition and Consumer Act 2010 (Cth) and to the fullest extent permitted by law, Vital Docs absolutely disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of fitness for any particular purpose of the advice given. Vital Docs gives no warranty that the advice will be free of errors, or that defects will be corrected, or that Vital Docs’s website or its server is free of viruses or any other harmful components.
9. Vital Docs respects the privacy and confidentiality of the information provided by you and adheres to the national privacy principles established pursuant to the Privacy Act 1988 (Commonwealth). All of the customer data Vital Docs collects is secured against unauthorised use or access. Credit card information is not stored by Vital Docs on its servers.
10. Vital Docs does not sell or deal in personal or customer information. Vital Docs may however use in a general sense without any reference to your name, your information to create marketing statistics, identify user demands and to assist it in meeting customer needs generally.
11. Vital docs may disclose information in good faith and we’re vital docs is required to do so: –
    1. by law or by any court;
    2. to enforce the terms of any of our client agreements;
    3. to protect the rights, property or safety of Vital Docs, its clients or third parties; or
    4. to banks or financial institutions with the purpose of preventing fraud and as proof of any transaction.
12. This agreement and this website are subject to the laws of Australia and any applicable state. If there is a dispute between you and Vital Docs that results in litigation then you submit to the jurisdiction of the relevant courts of Australia or the relevant State.
13. The advice given to you through this website you are permitted to use in your business for any legitimate or proper purpose. Vital Docs expressly reserves all copyright in its website and in all documents and advice and information on its website.
14. These terms and conditions represent the whole agreement between you and Vital Docs concerning your use and access to this website. No other term is to be included in this agreement except where it is required to be included by any legislation of the Commonwealth or any State or Territory. All implied terms except those implied by statute and which can not be expressly excluded are hereby expressly excluded.
15. All prices are shown in Australian dollars ($AUD) and include GST. Payments must be received in Australian currency. Vital Docs reserves the right to amend prices from time to time. Payment is required from you depending on the plan you select. You acknowledge and agree that there will be no refund for any unexpired portion of your agreed term.

Subscriptions Terms

1. Membership is available to a single SMSF member or a single SMSF.  You will generally be asked to provide the ABN of your SMSF so that the we can identify the party to whom advice is being given.  The advice provided is intended solely for the use of that single SMSF or SMSF member.
2. Each SMSF must obtain a separate membership.
3. Membership is not available to professional advisers, unless they are an SMSF member and they subscribe on behalf of that fund.
4. Your subscription runs on annual basis from the date you register.  Paypal manages the subscription process and renewals.
5. Where you subscribe to Unlimited questions SMSF Advice Hub applies a “reasonable use” policy.
6. You can upgrade your subscription at any time.  You will be refunded the unexpired portion of your current subscription and charged the annual fee for the upgraded subscription which will also reset your subscription to a new 12 month expiry date.
8. more coming soon