Terms of Use

Clarow is a financial information platform for Australians — free to use, with an optional paid subscription (Clarow Pro). Clarow provides calculators, projections, and educational information to help Australians understand their financial position.

Clarow does not hold an Australian Financial Services Licence (AFSL). Nothing on this platform constitutes personal financial, tax, legal, or investment advice.

All content on Clarow — including calculators, projections, grant information, and any other outputs — is general information only. It is not personal financial advice.

The results produced by Clarow's tools are estimates based on the inputs you provide and publicly available rates and data. They do not account for your complete financial situation, risk tolerance, investment objectives, or tax circumstances.

Before making any financial decision — including decisions about superannuation, property, investments, or debt — you should seek advice from a licensed financial adviser, accountant, or other qualified professional.

Clarow is not liable for any financial loss, damage, or decision made in reliance on information or outputs from this platform.

We strive to keep all tax rates, thresholds, grant details, and financial data accurate and up to date. However, tax law and government policy change frequently. Clarow makes no warranty that any information is complete, current, or free from error.

Always verify important figures with the ATO, your state revenue office, or a qualified adviser before acting on them.

You may use Clarow as a guest without creating an account. If you create an account, you are responsible for keeping your login credentials secure and for all activity under your account.

You must not use Clarow if you are under 15 years of age.

We reserve the right to suspend or terminate accounts that breach these terms or that engage in abusive, fraudulent, or unlawful use of the service.

Clarow's core is free. Clarow Pro is an optional paid subscription, billed at A$9 per month or A$89 per year (in Australian dollars, including GST).

Free trial. Every Pro subscription begins with a 30-day free trial. We collect your payment details when you start, but you are not charged during the trial. If you cancel before the trial ends, you are not charged.

Auto-renewal. After the trial, your subscription automatically renews and bills to your payment method each period (monthly or annually) until you cancel. Payments are processed by our payment provider, Stripe; Clarow does not store your card details.

Cancellation. You can cancel at any time from the in-app billing portal. Cancellation takes effect at the end of your current paid period — you keep Pro until then, after which your account returns to the free tier. Your data is unaffected.

Refunds. The 30-day free trial is your opportunity to evaluate Pro at no cost. After the trial, payments are non-refundable, including for partial periods. Nothing in these terms limits any rights you may have under the Australian Consumer Law.

Price and feature changes.We may change Pro's price or features. We will give you reasonable notice of any price change before it applies to your next renewal, and you can cancel before it takes effect. Some Pro features are marked “coming” and are included as they are released; we do not guarantee a delivery date for them.

You agree not to:

• Use Clarow for any unlawful purpose
• Attempt to access, scrape, or extract data from Clarow in bulk or in an automated manner without permission
• Reverse engineer, copy, or reproduce Clarow's tools, algorithms, or content
• Impersonate another person or misrepresent your identity
• Introduce malware or attempt to interfere with the platform's operation

All content, code, design, and branding on Clarow is owned by its operator unless otherwise stated. You may not reproduce, distribute, or create derivative works from Clarow's content without prior written permission.

The financial data and calculations you input remain yours. By using Clarow, you grant us a limited licence to process that data to provide the service.

Clarow relies on third-party services for authentication, data storage, and hosting. We are not responsible for the availability or conduct of these services. Links to external websites are provided for convenience only and do not constitute endorsement.

To the maximum extent permitted by Australian law, Clarow and its operator are not liable for any direct, indirect, incidental, special, or consequential loss arising from your use of the platform or reliance on any content or output.

Where liability cannot be excluded by law (including under the Australian Consumer Law), our liability is limited to resupplying the affected service or paying the cost of having the service resupplied.

Your privacy matters to us. Our Privacy Policy explains what data we collect, how we use it, and your rights under the Privacy Act 1988.

We may update these terms at any time. We will post the updated version at this URL with a revised “Last updated” date. Continued use of Clarow after an update constitutes acceptance of the revised terms.

These terms are governed by the laws of New South Wales, Australia. Any dispute arising from your use of Clarow is subject to the exclusive jurisdiction of the courts of New South Wales.

For any questions about these terms, use the contact form.