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Legal Information: Terms of Use

These terms set out the legal basis on which users of (Exfin) may access and use the Exfin website, and the basis upon which any request for information, assistance or advice is provided by Exfin.

If you are not in agreement with these terms, please do not use the website or make any request for additional assistance, information or advice. Should you make use of the website, please note that Exfin, to the extent permissible by law, excludes all liability for anything contained in or accessed via this site and any use you may make of it.

The website, and material contained therein, has not been produced with the intention that readers will rely upon that information when making, or not making, decisions of a financial, professional or personal nature. The website has been designed purely with the intention of providing general background material for expatriate Australians, to allow them to better appreciate certain areas of specific concern to expatriates and to easily access expert, professional advice in relation to the subject matter.

While Exfin has compiled material in good faith and with due care no warranty is provided in relation to any material or to the services that may be contracted through Exfin.


1.1 User agrees to be bound by Terms Of Use

By using the Exfin website you agree to be bound by these Terms of Use which constitute the agreement between you and Exfin.

1.2 Variation of Terms of Use

Exfin reserves the right to change, modify, add or remove any part of these Terms of Use and to add to, change or discontinue any material or information contained in, or any other aspect of, the Site at any time and without notice or liability. Please check the Site regularly for changes in these Terms of Use.

1.3 Governing Law

(a) The laws of Victoria, Australia govern the operation of this Site and the interpretation of these Terms of Use.

(b) You agree to submit to the jurisdiction of the Supreme Court of Victoria in the event of any claim or dispute arising between you and Exfin.

1.4 Validity

If any part of these Terms of Use is invalid or unenforceable, that invalidity does not affect the validity or enforceability of any other part of these Terms of Use.


2.1 Your Acknowledgement

You acknowledge that:

(a) information contained in or made accessible by this Site:

(i) is general in nature and cannot take into account your particular circumstances;

(ii) is NOT made available to you or the public as professionally binding advice; and

(iii) insofar as it represents the views, statements and opinions of the author of any paper, article, research paper or other material contained in or made accessible by this Site it does not necessarily represent the views, statements, opinion, knowledge or commitment to a particular course of action of Exfin.

(b) Exfin’s response to a request for information or advice:

(i) is based on, relies on and is limited by the instructions and information provided by you; and

(ii) is NOT made available to you as professional advice of any nature upon which you should rely

(c) links to other websites on this Site:

(i) are not under the control of Exfin and may contain computer viruses and malware;

(ii) are inserted for convenience and do not constitute Exfin’s endorsement of material in those sites, or any associated organisation, product or service; and

(iii) it is your responsibility to make your own investigations, decisions and inquiries about the information retrieved from other websites;

(d) references to the products or services provided by a person or company on this Site do not imply any form of endorsement, non-endorsement, warranty or support by Exfin of the products or services provided by that person or company. Your decisions in relations to the aforementioned products or services are yours alone, and where appropriate you should seek independent verification and advice before committing to any particular product or service.

(e) transmission to or from this website may be intercepted, used and modified by third parties; and

(f) you are solely responsible for any content submitted by you to this Site and any instructions or information provided by you in a request for information or advice.

2.2 Warranties by you

You warrant to Exfin that you will not:

(a) use this Site for a purpose that is unlawful or prohibited by these Terms of Use;

(b) impersonate any person, entity or corporation, or enter a fictitious name or entity name on any form on this Site;

(c) collect or store personal data about other users of this Site for any purpose;

(d) submit any content that:

(i) infringes the intellectual property rights of any third party;

(ii) is unlawful, harmful, threatening, abusive, invasive of another's privacy, harassing, defamatory, slanderous, vulgar, obscene, hateful, racist, embarrassing or otherwise objectionable to any other person or entity;

(iii) contains any unsanctioned advertising, promotional materials, or any other forms of unsanctioned solicitation, including without limitation junk mail, spam or any other unsolicited mass distribution of e-mail;

(iv) contains a survey, contest, or pyramid scheme; or

(v) contains viruses, corrupted files, or any other similar software or programs that may damage the operation of this Site or another computer, or

(e) engage in any other conduct that inhibits any other person from using or enjoying this Site.


3.1 Disclaimer

(a) While the information contained in or made accessible by Exfin, or in response to a request for information or advice, has been formulated in good faith and with all due care, Exfin does not warrant:

(i) its accuracy, currency, reliability and correctness;

(ii) that it is free from errors or omission, or that it is definitive;

(iii) that it is free from computer viruses or other defects; or

(iv) its fitness of purpose for any use

(b) Before relying on the information contained in or made accessible by this Site, you should independently verify its accuracy, currency, completeness and relevance for your purposes, and you should obtain appropriate professional advice.

3.2 Limitation of liability

(a) To the maximum extent permitted by law, the information stored in or made accessible by this Site, or in response to a request for information or advice, is made available to you on the understanding that Exfin and its employees and agents are not liable to you for any loss, damage, cost or expense incurred or arising by reason of you using or relying on the information and whether caused by reason of any error, negligent act, omission or misrepresentation in the information or otherwise.

(b) To the extent permitted by law, Exfin’s liability for breach of any implied warranty or condition which cannot be excluded is limited at the option of Exfin to the supply of the information services again.

3.3 Indemnity by you

It is a condition of the use of this Site that you indemnify the authors and operators of this Site against all claims and actions however arising from the use of material, information, advice or links provided in the Site or otherwise provided by Exfin, including but not limited to, direct or consequential breaches of copyright, trademark or other intellectual property rights, or contravention of any local, national, or international restrictions on the publication or transmission of content.

IMPORTANT: The material contained in this website and other associated communications is only intended as general, background information and must not be relied upon. No warranty is provided in relation to any material or to the services that may be contracted through It is recommended that individuals seek the advice of qualified professionals before taking any action.