Terms and Conditions
Last updated September 2026
1. About these Terms
1.1These Terms govern your use of the SMFP website at smfp.au and its calculators, articles, AI product explainer and other services (the Services). The Services are provided by Stephen Alexander Manning trading as SMFP, ABN 59 407 037 823 (SMFP, we, us, our).
1.2By using the Services, creating an account or buying a subscription, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
1.3If you use the Services in connection with providing financial services to clients, Schedule A also applies and prevails to the extent of any inconsistency.
2. The Services
2.1SMFP provides financial information and planning tools for individuals, SMSF trustees and financial advisers. These include educational content, calculators, scenario tools, charts and an AI product explainer.
2.2Some Services are free and some require a paid subscription. What you can access depends on your subscription.
2.3We may add, change or remove features. If we remove or materially reduce a paid feature during your subscription, clause 16 applies.
3. Eligibility and your account
3.1You must be at least 18 to create an account or buy a subscription. If you use the Services for a business or SMSF, you confirm you are authorised to agree to these Terms on its behalf.
3.2You must give accurate account details and keep your login secure. You are responsible for activity on your account unless it results from our failure to take reasonable security measures.
3.3Tell us promptly at contact@smfp.au if you think your account has been accessed without authorisation.
3.4Your subscription is personal to you. You must not share, sell or transfer it unless we agree.
4. Subscriptions, fees and renewals
4.1The price, subscription period and whether a subscription renews automatically are shown before you buy. Prices are in Australian dollars.
4.2An automatically renewing subscription renews for the same period unless you cancel before the renewal date. You authorise us, or our payment provider, to charge the renewal fee to your nominated payment method.
4.3For annual subscriptions, we will email you a reminder at least 14 days before renewal.
4.4We will give you at least 30 days’ notice of a price increase. It applies only from your next renewal, and you can cancel before then.
5. Cancellation and refunds
5.1You can cancel at any time through your account or by emailing contact@smfp.au. Cancelling stops the next renewal, and you keep access until the end of the period you have paid for.
5.2Where we offer a money-back guarantee, its terms are shown at the time of purchase.
5.3Refunds are paid to the original payment method.
5.4Nothing in these Terms limits your rights under the Australian Consumer Law or the Australian Securities and Investments Commission Act 2001 (Cth).
6. General information warning
6.1The Services provide general information only. They do not take into account your objectives, financial situation or needs.
6.2Before acting on any information, consider whether it is appropriate for you. Before acquiring a financial product, obtain and read its product disclosure statement and target market determination. Consider getting advice from a licensed financial adviser.
6.3Past performance is not a reliable indicator of future performance.
7. Calculators and scenarios
7.1Calculator results, projections and scenarios are illustrations. They are based on the assumptions shown with each tool and the information you enter. They are not forecasts or guarantees.
7.2Returns, fees, inflation, taxation, superannuation and social security rules, and government policy may change and may materially alter any result.
7.3You are responsible for checking that the assumptions suit your circumstances.
7.4The insurance premium estimator gives an indicative range from a published rate formula. It is not a quote, does not come from any insurer, and your actual premium may fall outside the range.
8. Not financial advice, and the AI product explainer
8.1SMFP does not hold an Australian financial services licence and is not an authorised representative of a licensee. The Services are designed to provide factual information and general education, not financial product advice.
8.2The AI product explainer (shown in the Services as “Let AI find your product” and “Fine print explained”) (the Explainer) helps you find the current product disclosure statement (PDS) for a super fund, ETF or managed fund on the product issuer’s website, and gives a plain-English summary of what that PDS, and any documents it incorporates, say. You can also give the Explainer a link to a PDS or upload one.
8.3The Explainer summarises only the documents it reads. It does not answer questions, compare, rank, rate or recommend products, or take your circumstances into account, and it does not state tax rates or tax outcomes. Nothing in a summary is a recommendation to acquire, hold, dispose of or switch any product.
8.4Summaries are generated using AI and may be wrong, incomplete or out of date. Each figure shows the page of the document it came from. Issuers may change fees or terms, or announce changes, before updating their PDS. Before relying on anything important, check it against the PDS and the issuer’s website, and read the PDS and target market determination before acquiring a product.
8.5The Explainer is not a substitute for personal advice. If you want advice about your own circumstances, speak to a licensed financial adviser.
8.6If you upload a document, it must be a PDS or similar disclosure document published by the product issuer. Do not upload statements, letters or other documents containing personal information. We use an uploaded document only to create the summary and do not keep it. We keep the summary, and may show the same summary to other users who ask about the same document.
8.7We may limit how much you can use the Explainer. Limits are shown in the Services.
8.8We keep a record of Explainer requests, including the product searched for, the documents used and the outcome, to check that the Explainer is working as designed, improve its safeguards and comply with the law. Our Privacy Policy explains how we handle this information.
9. SMSF trustees
9.1If you are an SMSF trustee, you remain responsible for your fund’s compliance with superannuation law. This includes the sole purpose test, your investment strategy, contribution and benefit rules, and lodgement and audit obligations.
9.2SMFP content on SMSF rules is a general summary. It does not replace advice from your accountant, SMSF auditor, licensed adviser or the ATO.
10. Tax
10.1SMFP is not a registered tax agent and does not provide tax agent services. Tax information in the Services is general and may not reflect your circumstances or recent changes to the law.
10.2Before making a decision that depends on tax, get advice from a registered tax agent or a qualified tax relevant provider (a financial adviser registered to give tax advice).
11. Your inputs and outputs
11.1“Inputs” means the figures, questions, links, documents and other material you enter into or upload to the Services. “Outputs” means the results, charts, summaries and responses the Services generate from them.
11.2You must be entitled to provide your Inputs. Do not enter another person’s personal information unless you are authorised to do so.
11.3You keep your rights in your Inputs and may use your Outputs for your own purposes. SMFP keeps ownership of its templates, content and software.
11.4You allow SMFP to host, process and transmit your Inputs and Outputs only as needed to provide the Services to you, keep them secure and comply with the law, and as described in clause 8.6.
11.5SMFP will not use your Inputs or Outputs to train or fine-tune any AI model. SMFP will only use AI providers whose terms do not permit them to train their models on data submitted through SMFP.
11.6SMFP may use de-identified, aggregated usage data (such as page views, feature usage and error logs) to maintain and improve the Services.
12. Privacy
12.1We handle personal information in accordance with our Privacy Policy.
12.2Some of our service providers process data outside Australia, including the provider of the AI used by the Explainer. The Privacy Policy lists them, what they do and where they process data.
12.3The Privacy Policy explains our use of analytics and cookies, and how we use automated processes that involve personal information.
13. Intellectual property
13.1SMFP owns or licenses all content, calculators, software, designs, names and logos in the Services (SMFP Materials). SMFP gives you a personal, non-transferable licence to use SMFP Materials through the Services while your access continues.
13.2Except as allowed by clause 11.3 or Schedule A, you must not copy, republish, resell or commercially exploit SMFP Materials, scrape the Services, or use them to build a competing product.
14. Acceptable use
14.1You must not:
- use the Services unlawfully or to harm anyone;
- interfere with, overload or attempt to gain unauthorised access to the Services or other accounts;
- get around usage limits, the paywall or security controls;
- introduce malicious code; or
- share or resell your subscription access.
15. Availability
15.1We aim to keep the Services available but do not guarantee uninterrupted access. They may be unavailable during maintenance, technical problems, third-party outages or events beyond our control.
15.2We will try to schedule maintenance for low-use times and give notice of planned outages where practicable.
16. Changes to the Services and these Terms
16.1We may update these Terms. We will give you at least 30 days’ notice by email or in the Services of any change that is materially adverse to you.
16.2If you do not accept a materially adverse change, or we remove or materially reduce a paid feature, you may cancel before the change takes effect and receive a pro-rata refund of prepaid fees.
16.3Changes that are not materially adverse, such as legal updates or clarifications, take effect when published.
17. Suspension and termination
17.1We may suspend or end your access if you materially breach these Terms, fail to pay, or use the Services unlawfully. We may also suspend access where reasonably necessary to protect the security of the Services or other users.
17.2Except where urgent action is needed, we will give you notice and a reasonable opportunity to fix the problem first.
17.3If we end your subscription for any reason other than your breach, we will refund the unused prepaid portion.
17.4You may stop using the Services and close your account at any time.
18. Consumer guarantees
18.1Nothing in these Terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law, the Australian Securities and Investments Commission Act 2001 (Cth) or any other law that cannot lawfully be excluded.
18.2Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us, and to a refund for the unused portion or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
19. Limitation of liability
19.1Subject to clause 18, SMFP is not liable for indirect or consequential loss, including lost profits or opportunities, arising from your use of the Services.
19.2Subject to clause 18, SMFP is not liable for loss arising from a financial decision you make based on general information, a calculator result or an Explainer summary, without considering its appropriateness to your circumstances as clause 6 recommends.
19.3Where you acquire the Services for business purposes and they are not of a kind ordinarily acquired for personal, domestic or household use, SMFP’s liability for failing to comply with a consumer guarantee is limited, at SMFP’s option, to supplying the Services again or paying the cost of having them supplied again.
20. Marketing emails
20.1We send emails needed to run your account. With your consent, or where the law otherwise permits, we may also send news about SMFP.
20.2Every marketing email has an unsubscribe link. Unsubscribing does not stop account emails.
21. Third-party information and links
21.1The Services include information from, and links to, third parties such as product issuers, government websites and market data sources. We do not control them and cannot guarantee their accuracy or availability. A link is not an endorsement.
22. Governing law and jurisdiction
22.1These Terms are governed by the laws of New South Wales, Australia.
22.2You and SMFP submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts that can hear appeals from them. This does not stop you from bringing a claim in a court or tribunal in your own state or territory where the law allows.
23. General and contact
23.1These Terms, any Schedule, any terms shown to you at the time of purchase and our Privacy Policy are the whole agreement between you and SMFP about the Services.
23.2If part of these Terms is unenforceable, the rest continues to apply. Not enforcing a right is not a waiver of it.
23.3You may not transfer your rights under these Terms without our consent. We may transfer them as part of a sale or restructure of the business, and will tell you if that happens.
23.4Contact: Stephen Alexander Manning trading as SMFP, ABN 59 407 037 823, contact@smfp.au, smfp.au.
Schedule A: Adviser users
A1This Schedule applies if you use the Services in connection with providing financial services to clients. It prevails over the rest of these Terms to the extent of any inconsistency.
A2You and your licensee provide any advice to your clients. SMFP does not. Outputs are tools. You must review and verify any Output before relying on it or giving it to a client, and you remain responsible for your obligations under the Corporations Act 2001 (Cth), the Code of Ethics and your licensee’s policies.
A3You may share Outputs with your clients and licensee and keep them in client files, including after your subscription ends. You must not present SMFP as the source of your advice.
A4If you enter client information, you warrant that you are entitled to disclose it to SMFP and that your collection notices cover it, including disclosure to providers outside Australia. SMFP will handle it only to provide the Services to you and will not contact your clients.
A5SMFP will notify you without undue delay, and within 72 hours, if it becomes aware of unauthorised access to your clients’ information. It will also help you meet any notification obligations under the Notifiable Data Breaches scheme.
A6To the extent permitted by law, SMFP’s total liability to you under this Schedule is limited to the fees you paid in the 12 months before the claim arose.
General information only. These Terms do not constitute legal or financial advice.