Terms of Use

1. Definitions

• “Service” means the PurpleGem.au website, applications, tools, calculators, content, and any related features we make available from time to time.
• “Content” means text, graphics, data, estimates, layouts, software, and other material made available through the Service.
• “You” means the individual accessing or using the Service, including any account holder.

2. Eligibility and acceptance

You must be at least 18 years old and capable of entering a binding contract to use the Service. By using the Service, you represent that you meet these requirements. If you use the Service on behalf of an organisation, you warrant that you are authorised to bind that organisation to these Terms.

3. Nature of the Service — general information only

The Service is provided for general information and educational purposes only. Nothing on the Service constitutes personal financial product advice, tax advice, legal advice, or any other regulated professional advice under Australian law.

Tools and calculators (including comparisons, projections, scores, and illustrative scenarios) produce estimates and models based on assumptions and inputs you provide. Results may not reflect your actual outcomes. Past performance, benchmarks, and typical balances are not reliable indicators of future performance.

You are solely responsible for assessing whether any information is appropriate to your objectives, financial situation, and needs. Before acting, you should consider obtaining advice from an Australian financial adviser, tax agent, or other qualified professional who can take your personal circumstances into account.

Tax estimates, rental income, and cashflow figures

Tax estimate is illustrative. Rental income treatment may vary — consult your accountant for your actual tax position. Modelled tax, Medicare levy, assessable income from rental property, and after-tax income are simplified and may omit offsets, caps, divisions, trust treatment, main residence exemptions, or other rules that apply to you.

General information only — not professional advice

PurpleGem provides general information and educational tools only. Nothing in the Service is tailored to your personal objectives, financial situation, or needs. In particular, the Service does not provide financial product advice (whether or not that expression is described elsewhere as "general advice" or "personal advice" under the Corporations Act 2001 (Cth)), tax advice, or other regulated professional advice. You must not rely on the Service as a substitute for advice from a qualified Australian financial adviser, registered tax agent, or other professional who has considered your circumstances.

4. Accounts, authentication, and security

Certain features may require you to create an account. You must provide accurate registration information and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must notify us promptly if you suspect unauthorised access. We may use third-party authentication providers (such as Firebase Authentication) as described in our Privacy Policy.

5. No service guarantee; data; availability; changes and discontinuance

To the maximum extent permitted by law:

• We do not guarantee that the Service will be available, uninterrupted, timely, secure, error-free, or free of harmful components. There is no service level agreement, uptime commitment, or obligation to maintain any particular feature.
• You do not acquire any property, ownership, or exclusive rights in or to any data, outputs, or materials generated through the Service. Your use of the Service and any data you submit is subject to these Terms and our Privacy Policy. We do not warrant perpetual storage, retrieval, export, or backup of any information.
• We may modify, restrict, suspend, remove, or delete any Content, feature, dataset, user profile, account, or other data (including data associated with your account) at any time, with or without notice, for operational, security, legal, or business reasons, or for no reason.
• We may terminate, suspend, or restrict your account or access to the Service at any time, with or without cause or notice, subject to any rights you may have under non-excludable law.
• We may discontinue the Service (in whole or in part) or migrate, replace, or retire platforms at any time. We are not obliged to provide substitutes, exports, or transition assistance, except where required by law.
• You are responsible for maintaining your own copies and backups of any information you care about. Do not rely on the Service as your only record of financial or personal information.

6. Acceptable use

You agree not to:

• use the Service in any way that violates applicable laws or infringes third-party rights;
• attempt to gain unauthorised access to the Service, other users’ accounts, or our systems (including probing, scanning, or testing vulnerabilities);
• reverse engineer, decompile, or disassemble any part of the Service except where such restriction is prohibited by law;
• use automated means (including bots or scrapers) to access the Service in a manner that imposes an unreasonable load or circumvents access controls;
• upload malware, spam, or unlawful, defamatory, or harassing content;
• misrepresent your identity or affiliation.

We may investigate suspected misuse and cooperate with law enforcement where required.

7. Intellectual property

Unless otherwise indicated, we (or our licensors) own all rights in the Content and the Service. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial use in accordance with these Terms. You must not copy, modify, distribute, sell, or create derivative works from the Content except as permitted by law or with our prior written consent.

8. Third-party services and links

The Service may integrate with or link to third-party services (for example, cloud hosting, authentication, or storage provided by Google Firebase and related infrastructure). Your use of those services may be subject to the third party’s terms and privacy notices. We do not control third-party services and are not responsible for their availability, accuracy, or practices.

9. Disclaimers

To the maximum extent permitted by Australian law, the Service and Content are provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will meet your requirements or that results will be accurate or reliable.

Estimates (including tax, rental income, net worth, super comparisons, and monthly cashflow) are illustrative and for education only. Tax estimate is illustrative. Rental income treatment may vary — consult your accountant for your actual tax position. See section 3 for the full “general information only — not professional advice” terms.

10. Limitation of liability

To the maximum extent permitted by law, neither PURPLE NEXUS PTY LTD, PurpleGem, nor our directors, employees, contractors, or agents will be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or anticipated savings, arising out of or in connection with your use of the Service, inability to use the Service, loss or corruption of data, suspension or termination of access, discontinuance of the Service, or reliance on any Content or estimates — including financial decisions made using the Service.

To the maximum extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to the Service or these Terms is limited to the greater of (a) AUD $100, or (b) the fees (if any) you have paid us in the 12 months before the claim arose (if we ever charge fees for the relevant service). If no fees apply, clause (a) applies.

Where our liability cannot be excluded but can be limited under the Australian Consumer Law or other legislation, our liability is limited, at our option, to resupplying the Service or the cost of resupplying the Service.

11. Indemnity

You agree to indemnify and hold harmless PURPLE NEXUS PTY LTD and its affiliates from any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising from your use of the Service, your breach of these Terms, or your violation of applicable law or third-party rights.

12. Suspension and termination

Without limiting section 5, we may suspend or terminate access to the Service (in whole or in part) if we reasonably believe you have breached these Terms, pose a security risk, or where required by law. You may stop using the Service at any time. Provisions that by their nature should survive (including intellectual property, disclaimers, limitation of liability, and governing law) will survive termination.

13. Changes to these Terms

We may update these Terms from time to time. We will publish the revised Terms on this page and update the “Last updated” date. Where changes are material, we will take reasonable steps to notify you (for example, via the Service or account email). Your continued use after the effective date constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service.

14. Governing law

These Terms are governed by the laws of Australia. You submit to the non-exclusive jurisdiction of the courts of Australia.

15. Contact

For questions about these Terms, contact PURPLE NEXUS PTY LTD (ABN 43 693 813 160) using the contact details published on purplegem.au (or as otherwise provided in the Service).