Terms & Conditions

About WTF Money

WTF Money ("What The Finance") is a free financial education website designed for Australian teenagers. It is owned and operated by WTF Money ("we", "us", "our").

By accessing and using this website (wtfmoney.app), you agree to these Terms and Conditions. If you do not agree, please do not use the website.

General Information Only

The content on this website is general in nature and is provided for educational and informational purposes only. It does not constitute:

• Financial advice
• Tax advice
• Legal advice
• Personal financial planning

The information has been prepared without considering your individual objectives, financial situation, or needs. Before making any financial decisions, you should consider seeking independent advice from a qualified financial adviser, tax professional, or relevant government agency.

While we strive to keep information accurate and up to date (including tax rates, superannuation rates, and government processes), we make no representations or warranties about the completeness, accuracy, reliability, or suitability of the information provided. Laws, rates, and regulations change — always verify current information with official sources such as the Australian Taxation Office (ato.gov.au).

Intellectual Property

All content on this website — including but not limited to text, graphics, design, layout, calculators, code, and branding — is the intellectual property of WTF Money and is protected under the Australian Copyright Act 1968 (Cth) and applicable intellectual property laws.

"WTF Money" and "What The Finance" are registered trademarks. All rights reserved.

You may:

• View, use, and interact with the website and its tools for personal, non-commercial purposes
• Share links to the website with others
• Reference or quote small portions of content with appropriate attribution

You may not:

• Copy, reproduce, or republish the content of this website without written permission
• Modify, adapt, or create derivative works based on our content
• Use our content for commercial purposes without a licence
• Remove or alter any copyright notices, trademarks, or attributions
• Scrape, crawl, or use automated tools to extract content from this website
• Frame or embed this website or its pages on another website without permission

For licensing enquiries (including educational and school use), please contact us.

Calculators and Tools

The calculators and interactive tools on this website are designed to provide estimates and general guidance only. Results are based on simplified calculations and assumptions that may not reflect your exact circumstances.

Specifically:

• Tax calculations are estimates based on published ATO tax brackets and may not account for all offsets, levies, or individual circumstances
• Superannuation calculations use the current published rate and may not reflect your specific employer arrangements
• Purchase affordability assessments are simplified tools and do not account for all financial obligations

Do not rely solely on these tools for financial decisions. Always verify calculations with your employer, the ATO, or a qualified professional.

Privacy and Data

We take your privacy seriously.

• We do not collect personal information. No accounts, no logins, no registration required
• We do not store your calculator inputs. All calculations happen in your browser and are not transmitted to any server
• We do not use cookies for tracking or advertising purposes
• We do not sell data to third parties. We have no data to sell
• We do not show advertisements and never will

Our website is hosted on Cloudflare Pages, which may collect standard server logs (IP addresses, browser type, pages visited) as part of normal web hosting operations. This is standard for all websites and is governed by Cloudflare's own privacy policy.

If we introduce analytics in the future, we will use a privacy-first service that does not use cookies or collect personal information, and this section will be updated accordingly.

External Links and Resources

This website may contain references to external websites and resources (such as the ATO, Scamwatch, IDCARE, etc.). These links are provided for convenience and informational purposes.

We are not responsible for the content, accuracy, or availability of external websites. The inclusion of a link does not imply endorsement of the linked website or its operators.

Limitation of Liability

To the maximum extent permitted by Australian law:

• We provide this website and its content on an "as is" and "as available" basis
• We disclaim all warranties, express or implied, including warranties of accuracy, completeness, reliability, and fitness for a particular purpose
• We are not liable for any loss or damage (including financial loss, indirect or consequential loss) arising from your use of, or reliance on, information provided on this website
• We are not liable for any errors or omissions in the content, or for any actions taken based on the information provided

Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted or modified by agreement.

User Conduct

When using this website, you agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the website
• Interfere with or disrupt the website's functionality
• Use the website to transmit harmful code or malware
• Misrepresent your association with WTF Money

Age Considerations

This website is designed for Australian teenagers aged 15-18 and the general public. The content is educational in nature and suitable for all ages. We do not knowingly collect any information from users of any age.

If you are under 18, we encourage you to discuss the information on this website with a parent, guardian, or trusted adult, particularly before making financial decisions.

Changes to These Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

Governing Law

These Terms and Conditions are governed by the laws of Queensland, Australia. Any disputes arising from the use of this website are subject to the exclusive jurisdiction of the courts of Queensland.

Contact

If you have questions about these Terms and Conditions, intellectual property enquiries, or feedback about the website, please contact us: