Terms of Use

Welcome to ManageHub.co ("ManageHub", "we", "us", "our"). These Terms of Use ("Terms") govern your access to and use of our website, tools, information, and services ("Site"). By accessing or using ManageHub, you agree to comply with these Terms. If you do not agree, please do not use this Site.

These Terms apply whether you are:

• A visitor browsing the Site; or
• A user engaging with tools, calculators, services, or subscribing to updates.

1. About ManageHub

ManageHub is an information and comparison platform designed to help users explore services, compare options, and make better-informed personal decisions. We may provide tools, calculators, comparisons, guides, and links to third-party providers.

ManageHub is not a financial adviser, financial planner, or licensed financial services provider.

ManageHub does not provide financial, legal, tax, credit, investment, or professional advice.

2. Acceptance of Terms

By using this Site, you:

• Agree to these Terms of Use
• Agree to our Privacy Policy
• Confirm you are at least 18 years old (or accessing with parental/guardian consent)
• Agree to use the Site for lawful purposes only.

We may update these Terms at any time. Changes become effective when published on this page. Continued use of the Site constitutes acceptance of updated Terms.

3. Use of the Site

You agree:

• To use the Site only for personal, lawful, and non-commercial purposes
• Not to copy, scrape, harvest, automate, mirror, frame, or reproduce content without permission
• Not to attempt to interfere with the operation or security of the Site
• Not to misrepresent your identity or submit false information
• Not to use bots, crawlers, or data extraction tools without consent.

We reserve the right to suspend or terminate access to any user violating these Terms.

4. Information Provided on the Site

Information provided on this Site, including:

• Guides
• Calculators
• Articles
• Reviews
• Comparisons
• Product information
• Third-party offers

…is of a general informational nature only.

We:

• Do not guarantee accuracy, completeness, currency, or reliability of any information
• Do not provide professional or personalised recommendations
• Strongly recommend users conduct independent research and seek qualified professional advice before making financial or contractual decisions.

You use this Site at your own risk.

5. Affiliate Commissions & Commercial Relationships

ManageHub may:

• Display third-party products, providers, services, or offers
• Include referral links, affiliate partnerships, sponsored listings, or advertising
• Receive compensation, commissions, or referral fees if you click a link, fill out a form, or proceed with a third-party service.

This compensation:

• Does not influence our intent to provide fair and general information
• May influence placement or prominence of content
• Does not constitute an endorsement or recommendation

You acknowledge that:

• Third-party offers are controlled by external providers
• We are not responsible for third-party actions, pricing, eligibility, availability, or outcomes.

Always review product terms, conditions, fees, and policies directly with the provider before engaging.

6. Third-Party Websites & Links

Our Site may include links directing you to third-party websites or platforms. We do not control, endorse, or guarantee:

• Information accuracy
• Security
• Privacy practices
• Product suitability
• Service quality
• Legal compliance

You access third-party websites entirely at your own risk.

We are not responsible for any loss, damage, liability, claim, or dispute arising from your dealings with third parties.

7. Email Subscriptions & Communications

If you subscribe to ManageHub:

• You agree to receive emails, updates, newsletters, marketing offers, or notifications
• You can unsubscribe at any time via the unsubscribe link or by contacting us
• We handle email data in accordance with our Privacy Policy.

You are responsible for ensuring your email address is accurate and kept up to date.

8. Intellectual Property

All content on ManageHub is protected by copyright and intellectual property laws, including:

• Text
• Tools
• Designs
• Logos
• Graphics
• Layouts
• Calculators
• Code
• Branding
• Website structure

You may:

• View and use content for personal, non-commercial use only

You may not:

• Copy, reproduce, publish, modify, distribute, sell, or reverse engineer any content without written permission.

All rights are reserved.

9. No Financial Advice – Disclaimer

ManageHub does not provide:

• Financial advice
• Investment advice
• Credit advice
• Legal advice
• Tax advice
• Professional advisory services

Content is general information only.

Any decisions you make are:

• Your responsibility
• Based on your personal circumstances
• Recommended to be reviewed with a qualified professional

You agree: ManageHub is not liable for decisions, losses, damages, or consequences arising from reliance on content found on this Site.

10. Accuracy of Information

We work to provide helpful, high-quality, and up-to-date information. However:

• Information may change without notice
• Prices, features, and eligibility may vary
• Errors or omissions may occur
• User-submitted or third-party content may not be verified

We do not guarantee accuracy and accept no responsibility for errors.

11. Limitation of Liability

To the maximum extent permitted by law:

ManageHub, its owners, team members, affiliates, and partners are not liable for:

• Losses
• Damages
• Financial loss
• Data loss
• Loss of opportunity
• Indirect, consequential, or incidental losses

arising from:

• Use of the Site
• Reliance on information
• Third-party links or services
• Technical failure or downtime
• Email subscription services
• Affiliate relationships

Your sole remedy is to discontinue use of the Site.

12. Indemnity

You agree to indemnify and hold ManageHub harmless against any claims, liabilities, loss, or damages arising from:

• Your use of the Site
• Your breach of these Terms
• Your interaction with third-party providers.

13. Privacy Policy

We collect, store, and process personal information in accordance with our Privacy Policy.

By using this Site, you consent to our data handling practices.

14. Security

We take reasonable steps to protect information but:

• No system is 100% secure
• We cannot guarantee protection against unauthorised access, cyber incidents, or breaches

You accept these risks.

15. Availability of Services

We do not guarantee:

• Uninterrupted access
• Error-free operation
• Continued platform availability

We may suspend or modify the Site without notice.

16. Governing Law

These Terms are governed by the laws of Australia. Any disputes will be handled in Australian jurisdiction.

17. Contact Us

For questions regarding these Terms, please contact: