These Terms of Service ("Terms") govern (1) your use of newfinera.com (the "Site"), and (2) any bookkeeping, systems setup, or Growth Advisory / management accounts services ("Services") engaged through NewFinera ("we," "our," "us"). By accessing the Site or engaging our Services, you agree to be bound by these Terms.
Important: The calculators, articles, and guides on this Site are general financial education, provided free of charge. They do not constitute personalised tax, financial, legal, or investment advice, and using them does not create an adviser-client relationship of any kind.
The information on this Site is general in nature and does not take into account your personal circumstances, financial situation, or needs. Before making any financial, tax, or investment decision based on free content on this Site, you should seek advice from a qualified, licensed professional or engage us directly for your business (see Part B).
Our tax calculators provide estimates based on publicly available tax rates published by relevant government tax authorities (including but not limited to the Australian Taxation Office, HM Revenue & Customs, and the Internal Revenue Service). These calculations are general estimates only and may not reflect your specific circumstances, entitlements, recent law changes, or local taxes. Always verify figures with the relevant official tax authority or a licensed professional before relying on them.
Our Site contains links to third-party websites, including but not limited to Investopedia, Coinbase, Binance Academy, BabyPips, Morningstar, and FX Street. These links are provided for general educational purposes only. We do not endorse, control, or take responsibility for the content, accuracy, products, or services offered on third-party sites.
NewFinera provides bookkeeping, systems setup, and Growth Advisory / management accounts services to small and medium business clients ("Client," "you"), as scoped in a written quote or engagement confirmation agreed before work begins. These Terms apply to every engagement unless a signed engagement letter states otherwise, in which case the engagement letter prevails.
NewFinera is not currently a registered tax agent or BAS agent. We do not lodge tax returns or BAS on your behalf. Where tax or BAS lodgment is required, we coordinate this with a registered agent partner, who engages with you separately and is responsible for that work. We are also not a licensed financial adviser and do not provide financial product advice or investment recommendations.
Fees are agreed in writing per engagement before work begins, based on your business's size and complexity. Unless otherwise agreed:
You agree to provide accurate, complete, and timely access to the financial records, bank feeds, and information reasonably required to perform the Services. Delays or inaccuracies in information you provide may affect the accuracy and timeliness of our output, and we are not liable for outcomes caused by incomplete or inaccurate information supplied by you.
We treat all financial records, bank data, and business information you share with us as confidential, and will not disclose it to third parties except: (a) service providers reasonably necessary to deliver the Services (e.g., accounting software providers), (b) our registered tax/BAS agent partner where you've engaged that coordination, or (c) where required by law. See our Privacy Policy for further detail on how client data is handled.
While we apply professional care to bookkeeping and reporting work, management accounts and forecasts are based on information available at the time and are not guarantees of future business performance. Business decisions made using our reports remain your responsibility.
Either party may terminate an ongoing engagement with 30 days' written notice. We will provide reasonable handover assistance (export of your data and records) on termination; fees for work completed up to the termination date remain payable.
To the maximum extent permitted by law: our liability for any claim arising from the Services is limited to the fees paid for the specific engagement giving rise to the claim in the preceding 3 months. We are not liable for indirect, consequential, or special damages.
All content on this Site — including text, graphics, calculators, design, and the NewFinera name and branding — is owned by or licensed to NewFinera, unless otherwise indicated. You may not reproduce, distribute, or create derivative works from our free content without prior written permission, except for personal, non-commercial use. Deliverables prepared specifically for a Client under an active engagement (e.g., their own management accounts) belong to that Client.
These Terms are governed by the laws of Australia, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts of Australia.
We may update these Terms from time to time. Changes will be posted on this page with an updated "Last updated" date. For active service engagements, we will notify you directly of any material change affecting your engagement.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
For questions about these Terms, please visit our Contact page.