Terms of Use

About these terms

These Terms of Use govern your use of the website bwlmarketing.com.au and all associated pages, tools, and services operated by BWL Marketing Pty Ltd (ABN 39 690 843 746) ("BWL Marketing", "we", "us", "our").

By accessing or using our website, you agree to these terms. If you do not agree, please do not use our website.

Use of this website

You may use this website for lawful purposes only. You must not:

• Use the website in any way that violates applicable Australian or international laws or regulations
• Transmit unsolicited commercial communications
• Attempt to gain unauthorised access to any part of the website or its related systems
• Use automated tools to scrape, copy, or extract content from the website without our written permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

Financial tools — important disclaimer

BWL Marketing is a marketing and technology company. We do not hold an Australian Financial Services Licence (AFSL) and do not provide personal financial advice.

The retirement calculator and insurance review tool available on this website are generic educational tools only. They use standardised assumptions and do not take into account your full personal circumstances. Outputs are estimates only and are not a substitute for advice from a licensed financial adviser.

Nothing on this website constitutes financial product advice within the meaning of the Corporations Act 2001 (Cth). You should seek advice from a qualified professional before making any financial decision.

Where our tools facilitate an introduction to a licensed financial adviser, any advice you receive is provided by that adviser under their own AFSL. BWL Marketing is not responsible for advice provided by third-party advisers.

Intellectual property

All content on this website — including text, graphics, code, layout, and tools — is owned by or licensed to BWL Marketing and is protected by Australian copyright law.

You may view and print pages for personal, non-commercial use only. You must not reproduce, distribute, modify, or create derivative works from any content without our prior written permission.

Links to third-party websites

Our website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse or take responsibility for the content, privacy practices, or terms of any third-party website. Your use of those sites is at your own risk.

Limitation of liability

To the maximum extent permitted by law, BWL Marketing excludes all liability for any loss or damage arising from your use of this website or reliance on its content, including:

• Direct, indirect, incidental, or consequential loss
• Loss of income, profit, data, or business opportunity
• Any inaccuracy in information or tools provided on this website

Where liability cannot be excluded by law, our liability is limited to the fullest extent permitted by the Australian Consumer Law.

No warranties

This website is provided "as is" without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the website at any time without notice.

Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these terms by reference.

Governing law

These terms are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland for any dispute arising from these terms or your use of this website.

Changes to these terms

We may update these Terms of Use from time to time. The current version will always be available at bwlmarketing.com.au/terms-of-use. Continued use of the website after changes are posted constitutes your acceptance of the updated terms.

Contact

BWL Marketing Pty Ltd
Brisbane, QLD, Australia
ABN 39 690 843 746
Email: [email protected]