Disclaimer

Effective 1 July 2025 · Last updated 1 July 2025

Operated by UHH Management Services Pty Ltd trading as TaxMate · ABN 62 671 067 235.

1. TaxMate is not a registered tax agent

TaxMate is a software tool. We are not a registered tax agent under the Tax Agent Services Act 2009 (Cth). We do not, and cannot, provide a tax agent service. This means we do not interpret or apply tax laws to your specific facts and circumstances, prepare your income tax return for you, or lodge your return with the Australian Taxation Office on your behalf.

2. AI-generated suggestions are not personal tax advice

Where the Service identifies potential deductions, generates insights, answers questions via the AI chat assistant, or writes explanatory text, that content is produced by artificial intelligence based on the information you provide. It is general technology-assisted output, not personal, professional or financial advice. It may be incorrect, incomplete or out of date.

Before claiming any deduction, you should:

• verify that the expense actually relates to earning your assessable income;
• confirm you have records and receipts required to substantiate the claim;
• check the latest ATO guidance for the relevant deduction label (D1–D10);
• consider whether private apportionment applies (work-from-home %, phone work-use %, vehicle logbook);
• consult a registered tax agent if you are unsure.

3. Estimated refund figures are indicative only

The Service may display an "Estimated Tax Refund" figure on your dashboard and in reports. This is a rough estimate calculated as the AI-detected deductible amount multiplied by an approximate marginal tax rate derived from your stated income, HELP debt and private health cover. It does not take into account: your actual taxable income, PAYG withholding to date, tax offsets (LITO, MITO, low-income tax offsets), Medicare Levy Surcharge thresholds, capital gains, other income, dependents, or any other personal circumstance.

Your actual refund or amount payable will only be determined by the ATO after you lodge your return.

4. Bank data and uploads

The Service relies on the transaction data you provide via your connected bank or uploaded statement. We cannot validate whether transactions are correctly attributed, whether they include personal expenses you have not separated, or whether they cover all your income-earning activity.

5. Substantiation is your responsibility

The ATO requires you to keep records to support deductions you claim, typically for a period of 5 years from the date you lodge. TaxMate does not store your receipts, invoices, logbooks or hour-tracking diaries. You must keep these yourself.

6. ATO rules change

Tax law in Australia changes regularly — rates, thresholds, eligible deduction categories, substantiation methods and ATO guidance can all change between financial years. Information in TaxMate is updated periodically but may not reflect the most recent ATO position. Always confirm against current ATO guidance at ato.gov.au.

7. No liability for your tax outcomes

To the maximum extent permitted by law, TaxMate is not liable for:

• any tax shortfall, penalty, interest charge or audit cost arising from using the Service;
• any refund you expected to receive but did not;
• any deduction the ATO disallows on review or audit;
• any decision you make based on AI-generated content;
• any loss caused by AI inaccuracy or hallucination.

Nothing in this section excludes liability that cannot be excluded under the Australian Consumer Law.

8. When you should see a registered tax agent

You should consult a registered tax agent if you:

• have business or sole-trader income, rental properties, capital gains beyond simple share sales, foreign income, or trust distributions;
• have ever been audited or are concerned about prior-year compliance;
• are claiming a deduction that is unusual for your occupation or substantial in amount;
• are not confident the records you have meet ATO substantiation rules;
• simply want a registered professional's sign-off.

The Tax Practitioners Board (TPB) register at tpb.gov.au can verify whether a tax agent is registered.

9. Acknowledgement

By using TaxMate, especially before paying for a subscription or relying on any output of the Service, you acknowledge that:

• you understand TaxMate is software, not a tax agent;
• you remain solely responsible for the accuracy and completeness of your tax return;
• you will exercise your own judgement and, where appropriate, seek professional advice;
• the estimated refund figure shown is indicative only.