Terms of Service

Last updated: 25 April 2026

These terms apply to your use of the smsfcentral.com.au website and to any service we provide. By using the site or engaging us, you agree to these terms. If you’ve signed an engagement letter with us, that letter and any documents it incorporates take priority where they conflict with anything on this page.

1. Definitions

• “We”, “us”, “our”, “SMSFcentral” — SMSFcentral Pty Ltd (ABN 81 611 115 505), a division of the Orbit Group, registered tax agent number 25410256.
• “You”, “your” — the trustee, member, financial adviser or other person engaging us, or the visitor using this website.
• “Services” — the SMSF administration, tax and compliance work described in your engagement letter or scoped during onboarding.
• “Fund” — the self managed super fund we’re administering for you.
• “Engagement letter” — the written engagement we issue and you accept before we start work.
• “Site” — the smsfcentral.com.au website.

2. What we do — and what we don’t

SMSFcentral is a registered tax agent. We provide:

• SMSF administration — bookkeeping, member records, contributions and rollover processing, pension setup and management
• Annual financial statements and member statements
• SMSF Annual Return preparation and lodgment with the ATO
• Transfer Balance Account Report (TBAR) lodgments
• Coordination of the annual independent audit
• Trust deed and corporate trustee work via NowInfinity
• General compliance support — keeping the fund within the rules and on track for lodgment deadlines

What we do not do:

• We don’t hold an Australian Financial Services Licence and we don’t give financial product advice
• We don’t advise whether an SMSF is suitable for you — that’s a question for a licensed adviser, or for you as trustee with a clear understanding of the responsibilities
• We don’t recommend specific investments, asset classes or asset allocations
• We don’t audit funds we administer — the annual audit is performed by an independent SMSF auditor (see section 6)
• We don’t provide legal advice; we’ll refer you to a lawyer where one is needed

We can provide investment strategy templates and factual information about the rules — for example, what the contribution caps are, how a TRIS works, when a TBAR lodgment is triggered. Strategic decisions about the fund remain with the trustees, with input from a licensed financial adviser if you have one.

3. Engagement

Our engagement starts when we’ve issued an engagement letter, you’ve accepted it (signed or otherwise confirmed in writing), and the relevant onboarding identity checks are complete. The engagement letter sets out:

• Who is engaging us (the trustees of the fund)
• The services we’ll perform
• The fees
• What we need from you, and by when
• Any specific assumptions or exclusions

Where the engagement letter and these website terms say different things, the engagement letter wins.

4. Fees

Fees are agreed up front in the engagement letter. We’ll usually quote a fixed annual fee for ongoing administration, with separate fees for one-off work like fund establishment, deed updates, pension commencements or wind-ups.

• GST is added where it applies
• ASIC fees, ATO supervisory levy, audit fees and any government charges are not included in our fees — they’re paid through the fund
• Out-of-scope work is quoted before it starts
• Invoices are typically due within 14 days unless otherwise agreed
• If a fund’s account isn’t paid, we may pause work until it is

5. Trustee responsibilities

The trustees of the fund carry the legal responsibility for the fund’s compliance. As your administrator, we work with the information you give us. That means trustees need to:

• Provide complete, accurate and timely information when we ask for it — bank statements, contracts, valuations, contribution details, pension elections
• Keep trustee meeting minutes for major decisions and provide copies when relevant
• Tell us promptly if anything material changes — a new member, a death, a divorce, a change of trustee, a member retiring or starting a pension
• Make trustee decisions yourselves; we’ll prepare paperwork and tell you what the rules are, but we don’t make decisions on behalf of the trustees
• Read and sign documents we provide for lodgment, with reasonable care

If information you give us turns out to be wrong or incomplete and that affects our work, we may need to revise documents or lodgments at additional cost.

6. Audit independence

By law, every SMSF must be audited annually by a registered SMSF auditor who is independent of the administrator and the trustees. We don’t audit funds we administer. We will:

• Coordinate the audit — packaging the records, responding to auditor queries, communicating outcomes
• Recommend an independent auditor where you don’t have one, or work with the auditor you’ve chosen

The auditor sets their own fee, which is paid by the fund. The auditor’s opinion is theirs alone — we don’t influence it and we don’t review it before it’s issued.

7. Use of the website

The information on smsfcentral.com.au is general in nature. It’s not advice, and it isn’t a substitute for advice tailored to your circumstances. We try to keep it current, but super and tax law changes — sometimes quickly. Each article on the site has a “last reviewed” or “last updated” date. If you’re making a decision based on something you read here, check the date and check the rules at the time.

You agree not to:

• Use the site in a way that breaches any law, or that interferes with how it works for other users
• Scrape, copy or republish substantial parts of our content without our written permission
• Submit false information through any form or contact channel

8. Intellectual property

The content on this website — articles, graphics, calculators, downloadable templates — is owned by SMSFcentral or used under licence. You’re welcome to read it, link to it, and quote brief sections with attribution. You can’t republish it as your own.

Templates we provide to clients (investment strategy templates, sole purpose declarations, trustee resolutions and similar) are licensed for that client’s use in connection with their fund. They’re not for resale or for use by other practices.

9. Liability

We do our work carefully and we stand behind it. Where things go wrong, the position is this:

• Our liability for any claim arising from the services is capped at the fees you’ve paid us in the 12 months before the claim arose
• We aren’t liable for indirect or consequential losses — for example, loss of investment returns, loss of profit, or losses caused by trustee decisions you’ve made
• We aren’t liable for losses caused by information you’ve given us being wrong or incomplete
• We aren’t liable for losses caused by the auditor’s opinion, the ATO’s actions, or third-party providers (banks, brokers, software platforms) where the issue isn’t ours to control

None of this limits any rights you have under Australian Consumer Law that can’t be excluded — including the consumer guarantees that apply to services. Where those rights apply, our liability for failing to meet a guarantee is limited (to the extent the law allows) to re-supplying the service or paying the cost of having it re-supplied.

10. Termination

Either of us can end the engagement with reasonable notice — usually 30 days, in writing. If we terminate the engagement, we’ll:

• Complete any work in progress that needs to finish (for example, a lodgment that’s already been started)
• Hand over fund records to you or the new administrator — including digital working papers and the trust deed
• Issue a final invoice for work performed up to the termination date

You’re entitled to your fund’s records at any time. We don’t hold records hostage over a fee dispute, but we may exercise a lien for unpaid fees over our own working papers (as opposed to your records) where the law permits.

11. Complaints

If something has gone wrong, please raise it with us first. Email [email protected] and mark it “Complaint”. We’ll acknowledge within five business days and aim to resolve within 30 days.

If you’re not satisfied with how we’ve handled it, you have a few external options:

• The Tax Practitioners Board (TPB) — for complaints about the conduct of a registered tax agent. tpb.gov.au
• The Australian Taxation Office — for complaints about the administration of tax law. ato.gov.au
• The Office of the Australian Information Commissioner — for privacy complaints. oaic.gov.au

12. Governing law

These terms are governed by the laws of New South Wales, Australia. Any dispute that can’t be resolved between us will be dealt with by the courts of New South Wales.

13. Changes to these terms

We may update these terms from time to time. The “last updated” date at the top of the page shows when the current version took effect. Continued use of the website or our services after we update the terms means you accept the updated version. If a change materially affects an existing engagement, we’ll let you know directly.

14. Last updated

25 April 2026.

Contact

SMSFcentral Pty Ltd · ABN 81 611 115 505 · Tax Agent 25410256
Level 4, 1 James Place, North Sydney NSW 2060
PO Box 1335, Randwick NSW 2031
02 8412 0086 · [email protected]