Terms and Conditions

By accessing or purchasing from Smart Separations, you agree to the following terms.

Nature of the Service

Smart Separations provides a digital financial planning tool designed to help users understand potential property settlement scenarios. It is a planning tool only and does not constitute legal, financial, tax, or professional advice.

No Professional Advice

Information generated by the model is based solely on the figures entered by the user. Outcomes are illustrative only and should not be relied upon as legal or financial advice. Users should seek independent professional advice before making binding decisions.

User Responsibility

Users are responsible for the accuracy and completeness of the information they enter into the model. Smart Separations is not responsible for outcomes resulting from incorrect or incomplete inputs.

Guidance Sessions

Optional guidance calls are limited to reviewing model inputs and clarifying how the tool functions. They do not constitute legal, financial, or strategic advice.

Digital Access

Access to the model is provided digitally following successful purchase. Sharing login credentials or redistributing materials is prohibited.

Refund Policy

Due to the digital nature of the product, purchases are non-refundable unless required under Australian Consumer Law.

Limitation of Liability

To the maximum extent permitted by law, Smart Separations is not liable for any loss, damage, or consequences arising from use of the tool or related guidance sessions.

Governing Law

These terms are governed by the laws of Australia.