Credit Representative Number 530735 is authorised under Australian Credit License Number 384324
The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product.
* Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, the product may not include all the features relevant to you, and not all products are available in all states and territories. Your complete financial situation will need to be assessed before acceptance of any proposal or product.
Planetech International Pty Ltd(ABN 87 145 232 319) t/as My Tax Refund Today for “Taxation Services” and Budget Home Loan for “Loan Lending Services.” My Tax Refund Today is a Registered Tax Agent (Tax Agent no 23282009) and is authorised by the Australian Tax Office to lodge taxation returns.
Budget Home Loan Credit Representative Number 530730 is authorised under Australian Credit License Number 384324. Budget Home Loan will use and share the information you provide us and the information we store as your Registered Tax Agent (TAN:23282009), to process your loan application.
| 1.1 | By accepting our terms and conditions, you acknowledge that you have read these terms and conditions and agree to be legally bound by them for the use of our services. | ||||
| 1.2. | Acceptance will be deemed to occur when you are reasonably considered to have engaged us in our services and this will occur if:
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| 2.1 | You understand and agree that your use of our website is provided “as is” and “as available”. We do not warrant nor represent to you that these websites will be free from error, complete or current, uninterrupted, secure or confidential. |
| 2.2 | From time to time, we may need to suspend access to the website for maintenance without notice. In the event that we do so, we will not be liable if, for any reason, our website is not available at any time |
| 2.3 | Our websites may contain the links to other websites owned by third parties, that provide information and resources provided by that third party. We are not responsible for these links or the contents of those third party websites. We do not warrant or represent that those links and the contents of those third party websites will be free from error, complete or current, uninterrupted, secure or confidential. |
| 2.4 | We do not endorse the contents of those third party websites and represent that we have no control over the contents of those websites. We further affirm that we will not be liable for any loss or damage you suffer or incur when you access or use any third party link or their contents. |
| 3.1. | All designs, images, photos and text used on our website are owned or licenced by us. | ||||||||||||||||
| 3.2. | Subject to clause 3.3, you retain all rights in and to the content that you submit or post on or via our website. | ||||||||||||||||
| 3.3. | By submitting and posting your personal information or content on our website:
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| 4.1. | We take reasonable precautions to protect the content and personal information we hold from misuse, loss, unauthorised access, modification or disclosure. | ||||
| 4.2. | We may give you the option of direct client access to our website by way of log in ID and password so that you may:
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| 4.3. | Unfortunately, no data transmission over the internet can be guaranteed as totally secure. Although our aim is to protect such information, we cannot guarantee or warrant and do not represent that the information that you transmit online is secure. |
| 5.1. | Your IP address is your computers unique identifier for use while you are using the internet. |
| 5.2. | It may be necessary for us to collect your IP address for your identification when you submit information to us or for your accessing of various parts of our website. |
| 6.1 | When you send an online application to us, we will retain the information contained in that application. Such information will be retained and used to provide you with the financial services we advertise. |
| 7.1. | We collect personal information through software such as cookies. A cookie is a text-only string of information that a website transfers to the cookie file of the browser on the hard disk of a user’s computer so that the website can remember that user. Without cookies, websites and their servers have no memory. | ||||||
| 7.2. | We use cookies as a fundamental part of our interaction with your Internet browser for the purpose of providing you with better service and a more effective website. | ||||||
| 7.3. | My Tax Refund Today uses cookies for two different purposes. Unsecure areas of the website may allocate a cookie for the purpose of:
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| 7.4. | We also use cookies for secure services (that is, an area where you are required to log on) on the website. These cookies are used for a variety of purposes, including for security and personalisation. If your browser is configured to reject all cookies you will be unable to use secure services on the website that require cookies in order to participate. You may still be able to use some of the information-only pages even if you do not accept cookies. |
| 8.1. | Except where we are unable to exclude our legal liability, we will not be liable to you for any loss or damage, however it arises, whether under contract or tort (including negligence), arising from, or in connection with, your use or inability to use our website. |
| 8.2. | We are not liable for any loss of profit, loss or corruption of data, special, exemplary, punitive, incidental, indirect or consequential loss or damage suffered or incurred by you arising in connection with our website, any services we have provided, or in connection with any act or omission by us, whether negligent or otherwise. |
| 9.1. | We reserve the right to change any or all of these terms and conditions, and/or add new terms and conditions at any time. Your use of our website will be bound by the Terms and Conditions that are published on our website at the time of your use. |
| 9.2. | If any part of these Terms and conditions are void, vitiated or unenforceable, they are severed and the remainder of these Terms and conditions will continue to be binding on you. |
| 9.3. | Provision of notices as required under these Terms and conditions may be sent by email, post or by making the information available on our website. |
| 9.4. | There is no relationship of employment, partnership, agencyor any fiduciary duty owedbe either you or us. |
| 9.5. | These Terms and Conditions are governed by and construed under the laws of New South Wales. |
| 9.6. | Any dispute or difference whatsoever arising out of or in connection with these terms and conditions or the performance or non-performance of the obligations of the parties under it shall be submitted to arbitration in accordance with, and subject to, the Institute of Arbitrators and Mediators Australia Fast Track Arbitration Rules. |
| 10.1. | Upon provision to us of the information that we request, you authorise us to provide your personal information to credit providers and credit reporting bodies for the purposes of assessing your eligibility for credit lending. You also authorise us to provide your personal information to third party credit check organisations. |
| 11.1. | Upon provision to us of the information that we request, you authorise us to access your records from the ATO Portal for confirmation purposes in keeping with our legal obligations. Requested information may be provided via our website, mobile phone app, email, telephone and/or in person. |
| 11.2. | You authorise us to contact you via telephone, email or SMS about your tax records. We may ask you questions about your income, expenses and deductions. A free tax refund estimate will be provided to you by a professional tax accountant if you have a simple tax return. Subject to eligibility requirements you may be provided the option of an on the spot tax refund. Your eligibility for, and amount of, any on the spot refund we offer you will be determined on a case by case basis. Whether you are offered an on the spot refund at all will at all times remain in our sole discretion. |
| 11.3. | You understand and acknowledge that your personal information will be stored in accordance with the Privacy Act and will not be shared with third parties unless we are compelled to do so by law, or to provide you with the services for which we have been engaged. We are legally bound to protect your personal information. Please see Our Privacy Policy for more information about how we handle your personal information. |
| 12.1. | You declare that you will provide correct and complete details of your income including income from such sources as your salary, capital gains, Government allowances and pensions, interest, dividends, royalties, business income and foreign income. You declare that before giving authority for lodgementof your tax return with the Australian Taxation Office, we have explained various provisions of the Income Tax Act regarding income and expenses which are applicable to you. You also understand that taxation laws provide heavy penalties for providing false or misleading information. |
| 12.2. | You declare that you have the necessary receipts/records for the deductions/rebates claimed in your tax return(s). You understand that it is your duty to keep the evidence of income/deductions for a minimum of 5 years. The Australian Taxation Office may impose a penalty or prosecute you if you are unable to provide receipts or if the tax return is incorrect/misleading. You understand that to obtain the benefit of “safe harbour” protections, you must provide to us “all relevant taxation information” to enable us to provide accurate statements to the Australian Tax Office. For work related expenses, you understand that you need to have written evidence if your total work-related claims exceed $300. All income/deductions/rebates included in your tax return are based on your specific instructions and confirmation that you satisfy the relevant taxation requirements. |
| 12.3. | You discharge and indemnify us and our staff from any liability arising on account of any audit or other investigation in respect of any undeclared income or excess claims made in your tax return. |
| 12.4. | In the event our fees are not paid upfront and such fees are to be deducted from your tax refund, you authorise that your tax refund to be transferred to our trust account. You understand that you will be paid your tax refund after we deduct our fees. Any surfeit from your tax refund will be deposited into your nominated bank account via electronic transfer or paid to you by cheque. |
| 13.1. | You understand and acknowledge that we need to do additional work to process an on the spot refund. Such additional work includes, but is not limited to, verification of your income, tax debt position and GST position. These verifications are important as they provide us with confirmation of your entitlement to a tax refund. We may verify/assess any debt you may owe State and Federal Governments, including to Centrelink and any relevant government department regarding Child Support Payments. Variations in any of these factors may reduce the amount of your income tax refund (if any). You fully understand that despite all these verifications, your actual refund may be reduced as a result of undisclosed debts to the Australian Government. You understand that even after the assessments of your debt position, we cannot confirm, let alone guarantee, your debt position with respect to any Government agency. A government agency to whom you owe money may take part or all of your income tax refund in satisfaction of outstanding debts. |
| 13.2. | You understand and acknowledge that once the necessary verifications have been completed, we retain full discretion to decide on your eligibility for an on the spot refund. We may decline to provide you with an on the spot tax refund without providing you with a reason. Your eligibility for, and amount of, any on the spot refunds offered by us is determined on a case by case basis. |
| 13.3. | You understand and acknowledge that an on the spot refund cannot exceed AUD$ 500.00. The balance of your taxation refund, after deducting our fees and the amount of any on the spot advance paid (if any) will be deposited in your nominated bank account by way of electronic funds transfer, or alternatively sent to you by cheque once the Australian Taxation Office deposits your tax refund into our trust account. Electronic Funds Transfer/cheque deposits in your account may take 2-3 business days toclear. |
| 14.1. | You understand and acknowledge that any money received by you from us will be treated as an advance to you. This amount will be set off against your actual taxation refund to be paid by the Australian Taxation Office. You understand that once a taxation refund is issued by the Australian Taxation Office, you will receive the balance of your taxation return after subtraction of the amount of your on the spot taxation return refund plus our fees. If a government agency takes part of your tax refund in satisfaction of an outstanding debt, then your actual refund will be lesser by that amount. |
| 14.2. | You understand and acknowledge that If your actual taxation refund from the Australian Taxation Office is less than the amount required to repay your on the spot taxation refund and our fees, you will be required to pay all amounts outstanding to us within 14 days of receipt of the Australian Taxation Office’s assessment. |
| 14.3. | You understand and acknowledge that If you do not pay all outstanding amounts owed to us within 14 days of the Australian Taxation Office Assessment, a Letter of Demand may be issued to you. Following provision of this Letter of Demand and the elapsing of the period for payment, we may, at our sole discretion, refer this debt to an external debt collection agency or commence proceedings against you in the Parramatta Local Court. If we commence proceedings against you, you may become liable for pre and post judgment interest, legal costs, legal disbursements and our own administration fee of $275 inclusive of GST. |
| 15.1. | You understand and acknowledge the following terms of our fee structure and agree that you are liable to us for these amounts if you engage our services.
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| 16.1. | I declare that I have received and read a copy of the Terms & Conditions, Refund Calculation Sheet(s)/Tax Invoice and Privacy Policy. I acknowledge that my Refund Calculation sheet displays my estimated taxation refund, tax agent fees for lodging my tax return, any tax agent fees for “on the spot taxation refunds” to be paid to me as an advance to be repaid by me once my refund is released by the Australian Taxation Office. I understand and accept these figures as being accurate. |
| 16.2. | I authorise my tax refund to be transferred to my tax agent’s trust account. I understand that I will be paid the balance on my taxation refund only after my taxation agent has deducted its fees and any on the spot taxation advances paid to me. |
| 16.3. | I have read, acceptand agree to be bound by the above terms and conditions and I authorise Planetech International Pty Ltd trading as My Tax Refund Today (Registered Tax Agent no. 23282009) to prepare and lodge my Income Tax Return. |
For Planetech International Pty Ltd ABN 87 145 232 319 t/as My Tax Refund Today for “Taxation Services” and Budget Home Loan for “Loan Lending Services.”
We understand that your personal information is unique, private and important to you. We also understand that the manner in which we collect, hold and provide your personal information to other parties is important as well. We want you to feel secure in your dealings with us and so its important to us to provide you with details about how we collect, hold and provide your personal information.This Privacy Policy details our commitment to you on the way we approach your privacy and personal information. We are bound by and abide by the Privacy Act 1988 (Cth) and the Australian Privacy Principles for the protection of personal information.
We collect Personal Information on you when reasonably necessary in order to provide you our services at your request. We understand Personal Information to be any personal details or any opinions we have formed about you as an identified individual or from which your identity may be reasonably apparent, regardless of whether that opinion is correct or not, and regardless of whether we have recorded that information in a material form or not. This personal information may include, for example, your name, date or birth, contact details, marital status and relevant financial information such as your Tax File Number, bank account details, employment particulars and income. We collect this information in a variety of ways in order to make our services and processes as easy and accessible to you. We may collect your personal information via email, fax, telephone, our website, SMS or in person.
We may also collect sensitive information about you in certain specific circumstances. A specific example includes where we require information about your personal health to assist credit providers in forming an opinion regarding your eligibility for mortgage protection insurance and the calculation of premiums in respect of that. If we require this type of information, we will ask you for your consent and we understand that your consent is provided along with provision of that information.
We endeavour to collect your personal information directly from you, however there may be situations in which we have a reasonable requirement to seek that information from other organisations. Such an example of this includes us requesting a credit report from a credit reporting organisation when you apply for a credit facility through us or where we collect your information from the relevant Australian Tax Office portal as your Registered Tax Agents. Before we do so, we will inform you of the type of organisation that we intend to disclose your information to. We may also collect your personal information through engaged third parties who undertake the collection of your personal information on our behalf. Where you provide us with personal information about another person, you warrant to us that you have obtained consent from them to use and disclose that personal information to us, and further agree to us providing that information to them. For more details on our policy regarding requests from third parties, please see our policy regarding disclosure of your personal information below.
We may store your personal information on cloud-based servers or on our own, or on contracted third party servers, located in Australia or overseas.
We also collect personal information through software such as cookies. A cookie is a text-only string of information that a website transfers to the cookie file of the browser on the hard disk of a user’s computer so that the website can remember that user. Without cookies, websites and their servers have no memory. We use cookies as a fundamental part of our interaction with your Internet browser for the purpose of providing you with better service and a more effective website.My Tax Refund Today uses cookies for two different purposes. Unsecure areas of the website may allocate a cookie for the purpose of Identifying your Internet browser as participating in the Partners program; Advertising and tracking and/or storing information related to user personalisation.We also use cookies for secure services (that is, an area where you are required to log on) on the website. These cookies are used for a variety of purposes, including for security and personalisation. If your browser is configured to reject all cookies you will be unable to use secure services on the website that require cookies in order toparticipate. You may still be able to use some of the information-only pages even if you do not accept cookies.
From time to time, we may use the personal information you provide us with to provide you with communications about products and services we feel may be of interest to you. We may from time to time provide details of offers and services of entities associated with us or third parties we partner with
You can choose not to receive these communications at any time by informing us that you would no longer like to receive them. This will not cost you anything and we will endeavour to stop providing you with these communications as soon as we can. If you do not wish to receive these communications, please write to us at:
| Email: | info@mytaxrefundtoday.com.au for tax services; or info@budgethomeloan.com.au for home loan services. |
| Post: | Suite 1 Level 2 38-40 George Street Parramatta NSW 2150 |
| Fax: | 02 8004 8180 Or contact us by phone at: Phone: 1300 698 297 |
We want to provide our clients with the best possible service we can and that involves giving them access to the right products and service. We may, from time to time partner with other organisations in order to provide that service and those products. In these circumstances, we will often need to provide those partners with the personal information that you freely provide to us.
In certain circumstances, we may be compelled by law to provide your information to Courts and other public authorities. An example of this may be where we are required to do so to comply with the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth). Another may be where you are subject to Court proceedings and we are compelled to produce certain information in accordance with a lawful court order.
Other parties or organisations, either in Australia or Overseas that we may provide your personal information to include:
We do this to provide you with the best products and services you expect from us. Before we provide your personal information to other parties or organisations, we will take reasonable steps to ensure that the relevant party or organisation maintains the same commitment to the protection of your personal information that we do. We will also only provide your personal information where you have consented to us doing so. We understand your consent to require:
We may also provide your personal information to relevant third parties where you fail to meet your contractual payment obligations in relation to any finance we have provided you or where you have committed a serious credit infringement, such as knowingly providing us with incorrect or falsified information in order to obtain credit.
We aim to hold accurate and current information, and we rely on you to provide that information. Whenever your personal details change, we ask that you contact us so that we may update our records.
You can access and correct your personal information at any time. We can access and provide you with your general information such as your name, address and contact details easily and at no charge. Where you require more detailed information, access may not be so straightforward and so we may charge you a reasonable access charge to compensate us for the time and costs associated with locating, collating and providing the information that you request. Where we seek to charge you with an access fee, we will estimate those costs up front and give you the opportunity to instruct us to proceed. These fees are based upon a reasonable hourly rate plus any other out of pocket expenses such as photocopying costs. These fees are subject to change at our absolute discretion and we bear no requirement to provide you with notice to changes in these fees.
Depending upon workload, we may take up to 20 business days to provide you with your information from the date of your request. If we refuse to provide you with access to your personal information or to correct it, we will provide you with written correspondence setting out our reasons for doing so.
If you require access to your personal information or wish to correct our records, please write to us by email or post or contact us on our telephone number listed above.
We value our clients and aim to be fair and balanced in the way that we approach your complaints. If you have a complaint, including in our compliance with the Australian Privacy Principles, you can expect that we will handle it professionally. We treat complaints as important feedback from our clients and will use it to improve how we provide our services. If you wish to make a complaint about the collection, handling, use and disclosure of your personal information, please write to us by email or post or contact us on our telephone number listed above.
We may amend or alter this privacy policy at any time in our complete discretion to comply with new laws, industry practices or products that we offer, as necessary. This privacy policy is applicable on the date that you access this page.
You can request further information about the way that we collect and manage your personal information by writing to us by email or post or contact us on our telephone number listed above.
” All lending interest rates are subject to change and product availability. “
Our team at Budget Home Loan has years of experience in the finance industry such as accounting and taxation. This enables us to provide a professional and personalised service from start to finish.
Our experience enables us to see the big picture for you. Budget Home Loan will identify the factors to ensure your long-term benefit on your mortgage.
Budget Home Loan will provide you the best solution which suits you as per your requirement from our vast network of lenders.
Having deep roots in the finance industry, we have assisted thousands of individuals and businesses with their finance management, accounting and taxation for many years. Now, we can help you in buying your dream house or business. At Budget Home Loan, we believe in transparent and thorough processes. As a result, we achieve a very high rate of approved loan applications.
contactThere are many aspects to starting and running a business. However, finance still remains the most critical at all the stages. If you are in the market for a business related loan, talk to us at Budget Home Loan.
