Let's Siesta (“the Tool”) is a web-based retirement modelling tool for Australian residents. It is operated by Alpine Code (ABN 83 774 179 276) (“we”, “us”, “our”). By using the Tool you agree to these Terms of Service.
The Tool provides general information and modelled scenarios only. It does not provide personal financial advice, product recommendations, or specific courses of action. No output of the Tool should be interpreted as a recommendation to buy, sell, or hold any financial product.
Any information provided by the Tool has been prepared without taking into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for your circumstances before acting on it.
We are not a licensed financial adviser, and the Tool is not a financial product under the Corporations Act 2001 (Cth). Before making any financial decisions, you should seek independent advice from a licensed financial adviser who can consider your personal circumstances.
Calculations use 2024–25 Australian financial year rates, including ATO marginal tax rates, superannuation guarantee rates, Age Pension thresholds, and deeming rates. These rates may change without notice due to legislative updates.
All projections are modelled estimates based on the information you provide and the assumptions selected. Actual outcomes will differ due to market performance, legislative changes, individual circumstances, and other factors the Tool does not model.
We make reasonable efforts to keep calculations accurate but do not guarantee the correctness, completeness, or currency of any output. You should not rely solely on the Tool's outputs for financial decision-making.
Your financial details (salary, super balance, assets, etc.) are stored only in your browser's local storage on your device. They are never transmitted to our servers. See our Privacy Policy for full details on what data we collect and how we handle it.
You agree not to:
All content, design, and calculations within the Tool are owned by Alpine Code or its licensors. You may use the Tool for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from the Tool without our written permission.
The Tool is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, or fitness for a particular purpose.
To the maximum extent permitted by Australian law, our total aggregate liability for any claim arising from your use of the Tool is limited to AUD $100. We exclude all liability for indirect, consequential, or incidental loss, including (without limitation) financial loss, loss of opportunity, or loss arising from reliance on the Tool's outputs.
Nothing in these Terms excludes or limits any consumer guarantee under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) that cannot be excluded or limited by law.
We aim to keep the Tool available but do not guarantee uninterrupted access. We may modify, suspend, or discontinue the Tool at any time without notice.
We reserve the right to suspend or terminate your access to the Tool if we reasonably believe you have breached these Terms, including the acceptable use provisions in Section 5.
You agree to indemnify and hold harmless Alpine Code and its officers, employees, and agents from any claims, losses, or damages (including legal fees) arising from your breach of these Terms, your misuse of the Tool, or your presentation of the Tool's outputs as personal financial advice to any third party.
The Tool is designed for Australian adults approaching retirement. You must be at least 18 years of age to use the Tool. By using the Tool, you represent that you are 18 or older.
We may update these Terms from time to time. The “Last updated” date at the top of this page indicates when the most recent changes were made. Continued use of the Tool after changes constitutes acceptance of the updated Terms.
These Terms are governed by the laws of New South Wales, Australia. The parties agree to submit to the non-exclusive jurisdiction of the courts of New South Wales.
Before commencing legal proceedings, you agree to first attempt to resolve any dispute by contacting us at support@letssiesta.com.au and allowing 30 days for a good-faith resolution.
Severability: If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
Assignment: We may assign or transfer these Terms, or any rights or obligations under them, without restriction. You may not assign these Terms without our prior written consent.
Entire agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Alpine Code regarding your use of the Tool.
If you have questions about these Terms, please contact us at support@letssiesta.com.au.
Modelled outcomes only. Not financial advice.