1.          About the Website

(a)            Welcome to www.melbtax.com (the 'Website'). The Website accounting and taxation (the 'Services ').

(b)            The Website is operated by S&J Service group Pty Ltd(ABN 70 162 024 795). Access to and use of the Website, or any of its associated Products or Services, is provided by S&J Service group Pty Ltd. Please read these terms and conditions (the 'Terms ') carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of Services, immediately.

(c)            S&J Service group Pty Ltd reserves the right to review and change any of the Terms by updating this page at its sole discretion. When S&J Service group Pty Ltd updates the Terms, it will use reasonable endeavours to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.

2.          Acceptance of the Terms

(a)            You accept the Terms by remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by S&J Service group Pty Ltd in the user interface.

3.          Registration to use the Services

(a)            In order to access the Services, you must first register for an account through the Website (the 'Account').

(b)            As part of the registration process, or as part of your continued use of the Services, you may be required to provide personal information about yourself (such as identification or contact details), including:

(i)           Email address

(ii)          TFN

(c)            You warrant that any information you give to S&J Service group Pty Ltd in the course of completing the registration process will always be accurate, correct and up to date.

(d)            Once you have completed the registration process, you will be a registered

member of the Website ('Member ') and agree to be bound by the Terms.

(e)            You may not use the Services and may not accept the Terms if:

(i)           you are not of legal age to form a binding contract with S&J Service group Pty Ltd; or

(ii)          you are a person barred from receiving the Services under the laws of Australia or other countries including the country in which you are resident or from which you use the Services.

4.          Your obligations as a Member

(a)            As a Member, you agree to comply with the following:

(i)           you will use the Services only for purposes that are permitted by:

(A)         the Terms; and

(B)         any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions;

(ii)          you have the sole responsibility for protecting the confidentiality of your password and/or email address. Use of your password by any other person may result in the immediate cancellation of the Services;

(iii)        any use of your registration information by any other person, or third parties, is strictly prohibited. You agree to immediately notify S&J Service group Pty Ltd of any unauthorised use of your password or email address or any breach of security of which you have become aware;

(iv)        access and use of the Website is limited, non-transferable and allows for the sole use of the Website by you for the purposes of S&J Service group Pty Ltd providing the Services;

(v)         you will not use the Services or the Website in connection with any commercial endeavours except those that are specifically endorsed or approved by the management of S&J Service group Pty Ltd;

(vi)        you will not use the Services or Website for any illegal and/or unauthorised use which includes collecting email addresses of Members by electronic or other means for the purpose of sending unsolicited email or unauthorised framing of or linking to the Website;

(vii)       you agree that commercial advertisements, affiliate links, and other forms of solicitation may be removed from the Website without notice and may result in termination of the Services. Appropriate legal action will be taken by S&J Service group Pty Ltd for any illegal or unauthorised use of the Website; and

(viii)      you acknowledge and agree that any automated use of the Website or its Services is prohibited.

5.          Payment

(a)            Where the option is given to you, you may make payment for the Services (the ' Services Fee') by way of:

(b)            All payments made in the course of your use of the Services are made using .......

In using the Website, the Services or when making any payment in relation to your use of the Services, you warrant that you have read, understood and agree to be bound by the ...... terms and conditions which are available on their website.

(c)            You acknowledge and agree that where a request for the payment of the Services Fee is returned or denied, for whatever reason, by your financial institution or is unpaid by you for any other reason, then you are liable for any costs, including banking fees and charges, associated with the Services Fee.

(d)            You agree and acknowledge that S&J Service group Pty Ltd can vary the Services Fee at any time.

6.          Refund Policy

S&J Service group Pty Ltd will only provide you with a refund of the Services Fee in the event they are unable to continue to provide the Services or if the manager of S&J Service group Pty Ltd makes a decision, at its absolute discretion, that it is reasonable to do so under the circumstances (the 'Refund').

7.          Copyright and Intellectual Property

(a)            The Website, the Services and all of the related products of S&J Service group Pty Ltd are subject to copyright. The material on the Website is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the Services and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Website, code, scripts, design elements and interactive features) or the Services are owned or controlled for these purposes, and are reserved by S&J Service group Pty Ltd or its contributors.

(b)            All trademarks, service marks and trade names are owned, registered and/or licensed by S&J Service group Pty Ltd, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a Member to:

(i)           use the Website pursuant to the Terms;

(ii)          copy and store the Website and the material contained in the Website in your device's cache memory; and

(iii)        print pages from the Website for your own personal and non-commercial use.

S&J Service group Pty Ltd does not grant you any other rights whatsoever in relation to the Website or the Services. All other rights are expressly reserved by S&J Service group Pty Ltd.

(c)            S&J Service group Pty Ltd retains all rights, title and interest in and to the Website and all related Services. Nothing you do on or in relation to the Website will transfer any:

1.          We respect your privacy

(a)            SJ Tax and accounting respects your right to privacy and is committed to safeguarding the privacy of our customers and website visitors. We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). This policy sets out how we collect and treat your personal information.

(b)            "Personal information" is information we hold which is identifiable as being about you.

2.          Collection of personal information

(a)            SJ Tax and accounting will, from time to time, receive and store personal information you enter onto our website, provided to us directly or given to us in other forms.

(b)            You may provide basic information such as your name, phone number, address and email address to enable us to send information, provide updates and process your product or service order. We may collect additional information at other times, including but not limited to, when you provide feedback, when you provide information about your personal or business affairs, change your content or email preference, respond to surveys and/or promotions, provide financial or credit card information, or communicate with our customer support.

(c)            Additionally, we may also collect any other information you provide while interacting with us.

3.          How we collect your personal information

(a)            SJ Tax and accounting collects personal information from you in a variety of ways, including when you interact with us electronically or in person, when you access our website and when we provide our services to you. We may receive personal information from third parties. If we do, we will protect it as set out in this Privacy Policy.

4.          Use of your personal information

(a)            SJ Tax and accounting may use personal information collected from you to provide you with information, updates and our services. We may also make you aware of new and additional products, services and opportunities available to you. We may use your personal information to improve our products and services and better understand your needs.

(b)            SJ Tax and accounting may contact you by a variety of measures including, but not limited to telephone, email, sms or mail.

5.          Disclosure of your personal information

(a)            We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this Policy. Personal information is only supplied to a third party when it is required for the delivery of our services.

(b)            We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request.

(c)            We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of SJ Tax and accounting, www.melbtax.com, its customers or third parties.

(d)            Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia.

(e)            If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances.

(f)             By providing us with personal information, you consent to the terms of this Privacy Policy and the types of disclosure covered by this Policy. Where we disclose your personal information to third parties, we will request that the third party follow this Policy regarding handling your personal information.

6.          Security of your personal information

(a)            SJ Tax and accounting is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.

(b)            The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to us, or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that personal information that we

collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.

7.          Access to your personal information

(a)            You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act 1988 (Cth). A small administrative fee may be payable for the provision of information. If you would like a copy of the information, which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please email us at info@snjservice.com.

(b)            We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.

8.          Complaints about privacy

(a)            If you have any complaints about our privacy practises, please feel free to send in details of your complaints to PO BOX 180, Prahran, Victoria, 3181. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.

9.          Changes to Privacy Policy

(a)            Please be aware that we may change this Privacy Policy in the future. We may modify this Policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on our website or notice board. Please check back from time to time to review our Privacy Policy.

10.       Website

(a)            When you visit our website

When you come to our website (www.melbtax.com) we may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service.

(b)            Cookies

We may from time to time use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may from time to time use cookies to analyses website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve