Terms of Service

Last Updated: July 2026

Welcome to ClearCents. By accessing or using our website and its suite of free online calculators and tools, you agree to comply with and be bound by the following Terms of Service. If you do not agree to these terms, please do not use our services.

Important Notice: Our tools provide General Information only. They do not constitute Financial Product Advice under the Australian Corporations Act 2001 or National Consumer Credit Protection Act 2009 (NCCP).

1. Use of the Services

ClearCents provides free, unbiased online calculators designed for everyday financial modeling. You are granted a non-exclusive, non-transferable, revocable license to access and use our tools strictly in accordance with these terms.

  • Acceptable Use: You agree to use our tools only for personal, non-commercial use.
  • Prohibited Actions: You may not use automated scripts, bots, data scraping tools, or reverse-engineering techniques to disrupt, capture, or copy our calculator code.

2. Data Privacy and User Responsibility

Your use of this website is subject to our Privacy Policy. By agreeing to these Terms, you acknowledge that:

  • Anonymity Model: Our calculators are designed to process data locally within your browser. You are responsible for the security of your own device and the information you input.
  • No Personal Storage: We do not store or track your specific calculator inputs. Any data you provide via direct email contact is handled in accordance with our Privacy Policy and the Australian Privacy Principles.
  • Third-Party Advertisers: You acknowledge that third-party advertising services (e.g., Google AdSense) may use cookies or similar tracking technologies to serve ads. Your interaction with these advertisements is governed by the respective third-party privacy policies.

3. Not Financial Advice

The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner, ClearCents.

  • Independence: ClearCents is not a financial adviser. You should consider seeking independent legal, financial, taxation, or other advice to check how the website information relates to your unique circumstances.
  • Liability: ClearCents is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

4. Calculator Disclaimers

The calculators and tools on this website are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for professional advice.

  • No Warranties: All reasonable care has been taken in preparing and designing the calculators and tools; however, ClearCents provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.
  • Estimates Only: Generated figures are mathematical projections, not binding quotes or predictions of future financial performance.

5. Mathematical Assumptions

  • Static Variables: Interest rates and variables are assumed to remain static for the duration of the projection.
  • Compound Frequency: Interest compounding is assumed to align with the selected repayment interval.
  • Exclusions: Calculations generally exclude upfront fees, Lenders Mortgage Insurance (LMI), taxes, and ongoing maintenance costs unless otherwise specified.

6. Advertising and International Users

  • Dynamic Content: Advertisements are served by third parties. We do not control or endorse the products or services advertised.
  • International Usage: This website is hosted and operated from Western Australia, Australia. If you access our site from outside Australia, you do so at your own initiative and are responsible for compliance with your local laws.

7. Governing Law and Jurisdiction

These Terms of Service and your use of the website are governed by the laws of Western Australia, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Western Australia for any disputes arising out of your use of this website.

8. Limitation of Liability

To the maximum extent permitted by Australian law, ClearCents shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or reliance upon, our tools.

9. Changes to Terms

We may update these terms periodically. Continued use of ClearCents constitutes your acceptance of the updated terms.

10. Contact Information

For legal, compliance, or privacy inquiries, please contact us at [email protected].