Disclaimer

AusBudget Pro is a demonstration project created by Abdul Muqtadir of WitWeb Solutions for the purpose of showcasing web development capabilities, including but not limited to: Next.js application architecture, Australian financial year logic, Supabase database integration, Clerk authentication, and data visualisation.

It is not:

• A regulated financial product or service
• Licensed to provide financial, tax, accounting, or legal advice
• Audited, verified, or endorsed by the Australian Taxation Office (ATO)
• A replacement for professional financial or tax advice
• Guaranteed to be free from bugs, errors, or interruptions

By using AusBudget Pro, you acknowledge and agree that:

• You take full responsibility for any personal, financial, or confidential information you choose to enter into this application.
• You understand this application is a demonstration project and should not be used to store sensitive financial records you cannot afford to lose or expose.
• You acknowledge that the developer has administrative access to the underlying database as described in the Privacy Policy.
• You are solely responsible for the accuracy of the data you enter, including transaction amounts, dates, and categories.
• You will not use the application to store Tax File Numbers (TFNs), superannuation fund details, banking credentials, passport numbers, or other sensitive government identifiers.

All figures displayed in AusBudget Pro, including income totals, expense summaries, estimated tax withholding, income tax calculations (via the Tools page), GST calculations, and PAYG withholding estimates, are indicative estimates only.

These figures:

• Are based on simplified ATO tax tables and may not reflect your actual tax position
• Do not account for individual deductions, offsets, HECS/HELP, salary sacrifice, private health insurance rebates, or other adjustments
• Are not reviewed or verified by a registered tax agent, accountant, or the ATO
• Should not be used to lodge tax returns, BAS statements, or make financial decisions

Always consult a registered tax agent, accountant, or financial adviser for personalised tax and financial advice.

Abdul Muqtadir (WitWeb Solutions) and any associated developer(s), contributors, or affiliates shall not be held liable for:

• Any unauthorised access to, or breach of, your data
• Loss of data due to technical failure, database errors, or service outages
• Accidental exposure of your data resulting from security vulnerabilities in third-party services (Clerk, Supabase, PostHog, Sentry, Vercel, or others)
• Any financial loss, tax penalties, or commercial loss arising from use of or reliance on this application
• Errors or inaccuracies in tax calculations, GST figures, or financial summaries displayed by the application
• Interruption or unavailability of the application at any time

AusBudget Pro relies on third-party infrastructure providers including Clerk, Supabase, PostHog, and Sentry. Each of these providers operates under its own terms of service and privacy policy. Abdul Muqtadir(WitWeb Solutions) has no control over these providers' security practices, data handling policies, or service availability, and cannot be held responsible for failures or breaches on their platforms.

While reasonable efforts are made to keep the tax bracket data, Medicare levy thresholds, Super Guarantee rates, and other financial figures up to date, no guarantee is made as to their accuracy or currency. Tax legislation changes frequently. Always verify figures with the ATO or a registered tax agent before making any financial decision.

AusBudget Pro is provided on an "as is" and "as available" basis. No warranty is made that the service will be uninterrupted, error-free, or that defects will be corrected. The application may be modified, suspended, or discontinued at any time without notice.

This disclaimer is governed by the laws of Victoria, Australia. Any disputes arising in connection with this disclaimer or the use of AusBudget Pro shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

For any questions regarding this disclaimer, please reach out via: