Terms of Service

Last updated: 1 July 2025

1. About these terms

These Terms of Service govern your access to and use of https://humblewealth.site (the "Website") and, where expressly incorporated into a signed engagement, the services provided by Humble Wealth Pty Ltd, ABN 82 702 104 872 ("Humble Wealth", "we", "us", "our"). By accessing or using the Website, you agree to these terms. If you do not agree, please discontinue use of the Website.

2. General information only — no personal financial advice

The content on this Website is provided for general information purposes only. It does not take into account your personal objectives, financial situation or needs. Nothing on this Website constitutes personal financial product advice, taxation advice, legal advice or a recommendation to acquire, dispose of or hold any financial product. You should consider your own circumstances and obtain appropriate professional advice before acting on any information contained on this Website. A formal financial services engagement with Humble Wealth will only exist once documented in a signed agreement or engagement letter.

3. Australian Consumer Law

Nothing in these terms excludes, restricts or modifies any rights that you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable consumer protection legislation in Australia. Our services come with guarantees that cannot be excluded under Australian law, including guarantees relating to due care and skill and reasonable fitness for purpose.

4. Use of the Website

You agree to use the Website lawfully and not to:

• Attempt to gain unauthorised access to any part of the Website, its servers or connected systems;
• Introduce malware, scrapers or automated systems that degrade or disrupt the Website;
• Misrepresent your identity or affiliation with any person or entity; or
• Copy, reproduce or republish Website content for commercial purposes without our prior written consent.

5. Intellectual property

All content on the Website, including text, graphics, logos and design, is owned by or licensed to Humble Wealth Pty Ltd and is protected by Australian and international copyright and trade mark laws. You may view, download and print pages for your own personal, non-commercial use only.

6. Links to third-party websites

The Website may contain links to third-party websites for convenience. We do not endorse and are not responsible for the content, accuracy or practices of those websites. Accessing third-party websites is at your own risk.

7. Limitation of liability

To the fullest extent permitted by law, Humble Wealth Pty Ltd will not be liable for any indirect, incidental, special or consequential loss or damage arising from your use of, or inability to use, the Website or reliance on any content published on it. Where liability cannot be excluded under the Australian Consumer Law or other applicable law, our liability is limited, at our option, to the resupply of the relevant services or the cost of resupplying them.

8. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, store and disclose personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

9. Advice engagements and fees

Any fees, scope of advice and terms applicable to a specific financial advice engagement will be set out in a written engagement letter or Financial Services Guide provided to you before, or at the time of, engagement. Where there is any inconsistency between these Website terms and a signed engagement document, the engagement document will prevail to the extent of the inconsistency.

10. Indemnity

You agree to indemnify Humble Wealth Pty Ltd, its directors, employees and contractors against any loss, liability, claim or expense arising from your breach of these terms or your unlawful use of the Website.

11. Changes to these terms

We may update these Terms of Service from time to time. The current version will always be published on this page with the date of last revision. Continued use of the Website after changes are published constitutes acceptance of the revised terms.

12. Governing law

These terms are governed by the laws of Western Australia and the Commonwealth of Australia. You submit to the non-exclusive jurisdiction of the courts of Western Australia in respect of any dispute arising from these terms or your use of the Website.

13. Contact

Questions about these Terms of Service can be directed to:

Humble Wealth Pty Ltd
ABN 82 702 104 872
Perth, WA, Australia
Email: ceo@humblewealth.site