Terms & Conditions

Agreement to these Terms

By accessing or using My Financial Position (the “Service”), operated by My Financial Position ABN 86 764 389 699, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you (“User”) and My Financial Position (“we”, “us”, or “our”). We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the updated Terms.

What My Financial Position Does

My Financial Position is a personal financial tracking and planning tool that allows users to record their assets, liabilities, income, expenses, and financial goals. The Service provides tools including but not limited to: budget planning, net worth tracking, debt management, milestone tracking, financial forecasting, and peer comparison against Australian benchmarks.

The Service is a self-reporting tool only. We do not connect to your bank accounts, access your financial institution data, or execute any financial transactions on your behalf.

General Information Only — Not Financial Advice

My Financial Position does not provide financial advice. All content, tools, calculations, comparisons, forecasts, and information provided through the Service are for general informational and educational purposes only.

The information provided does not take into account your individual financial situation, objectives, or needs. Before making any financial decisions, you should seek independent advice from a licensed financial adviser, accountant, or other qualified professional.

We do not hold an Australian Financial Services Licence (AFSL) and are not authorised to provide financial product advice.

Who Can Use the Service

You must be at least 18 years of age to create an account and use the Service. By registering, you represent and warrant that:

• You are at least 18 years old;
• You are a resident of Australia or accessing the Service lawfully from your jurisdiction;
• You have the legal capacity to enter into a binding agreement;
• All information you provide is accurate and truthful.

Account Registration & Security

To access certain features of the Service, you must register for an account using a valid email address and password. You are responsible for:

• Maintaining the confidentiality of your login credentials;
• All activity that occurs under your account;
• Notifying us immediately of any unauthorised use of your account at support@myfinancialposition.com.au;
• Ensuring your account information remains accurate and up to date.

We reserve the right to suspend or terminate accounts at our discretion, including for violation of these Terms.

Your Data

All financial data you enter into the Service is stored securely on our servers. We do not sell your personal data to third parties. Your data is used solely to provide and improve the Service.

By using the Service, you grant us a limited licence to store and process your data for the purpose of providing the Service. You retain ownership of all data you enter.

Please review our Privacy Policy for full details on how we collect, use, and protect your information.

You may request deletion of your account and all associated data at any time by contacting us at support@myfinancialposition.com.au.

No Warranty on Calculations or Benchmarks

While we strive to ensure the accuracy of all calculations, benchmarks, and comparisons provided by the Service, we make no warranty or representation that any information, data, calculation, or output is accurate, complete, current, or suitable for your circumstances.

Australian benchmark data used for peer comparisons is sourced from publicly available statistical datasets (including ABS, ASFA, and RBA publications) and may not reflect the most current figures. These benchmarks are indicative only.

You use all information provided by the Service at your own risk.

Prohibited Conduct

You agree not to use the Service to:

• Violate any applicable law or regulation;
• Impersonate any person or entity or misrepresent your affiliation;
• Attempt to gain unauthorised access to any part of the Service or other users’ accounts;
• Introduce viruses, malware, or any other harmful code;
• Scrape, crawl, or systematically extract data from the Service without our written consent;
• Use the Service for any commercial purpose without our prior written approval;
• Reverse engineer, decompile, or disassemble any part of the Service.

Ownership of Content

All content, design, code, branding, text, graphics, and materials on the Service are owned by or licensed to My Financial Position and are protected by Australian and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for personal, non-commercial purposes.

Our Liability to You

To the maximum extent permitted by law, My Financial Position and its operators, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from:

• Your use of or inability to use the Service;
• Any financial decisions made based on information from the Service;
• Errors, inaccuracies, or omissions in any content;
• Unauthorised access to or alteration of your data;
• Any interruption, suspension, or termination of the Service.

Nothing in these Terms limits liability for death, personal injury, or fraud caused by our negligence, or any other liability that cannot be excluded under Australian Consumer Law.

Your Responsibility

You agree to indemnify, defend, and hold harmless My Financial Position and its operators from any claims, liabilities, damages, losses, costs, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

Uptime & Modifications

We do not guarantee that the Service will be available at all times or without interruption. We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice.

External Websites

The Service may contain links to third-party websites or resources. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites.

Ending Your Use

You may terminate your account at any time by contacting us at support@myfinancialposition.com.au. Upon termination, your right to use the Service ceases immediately.

We may terminate or suspend your access immediately, without prior notice, if you breach these Terms or if we are required to do so by law.

We May Update These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will notify registered users by email and by posting the updated Terms on this page with a revised effective date.

If you do not agree to the revised Terms, you should stop using the Service and may request account deletion by contacting us at support@myfinancialposition.com.au.

Jurisdiction

These Terms are governed by and construed in accordance with the laws of Queensland, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Queensland for the resolution of any disputes arising from these Terms or your use of the Service.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Get in Touch

If you have any questions about these Terms, please contact us:

• Email: support@myfinancialposition.com.au
• Website: www.myfinancialposition.com.au
• ABN: 86 764 389 699