Website Terms & Conditions

Financial Success | Specialising in Aged Care Financial Advice

Last updated: 29 September 2026

Welcome to the Financial Success website.

These Terms of Use apply to your use of this website operated by Financial Success (SA) Pty Ltd ACN 105 603 058, trading as Financial Success specialising in Aged Care Financial Advice (“Financial Success”, “we”, “us” or “our”).

By accessing or using this website, you agree to these Terms of Use.

About Financial Success

Financial Success provides financial planning services with a particular focus on financial advice relating to aged care.

Financial Success (SA) Pty Ltd is a Corporate Authorised Representative (No. 235520) of Springboard Wealth Pty Ltd AFSL 544118 ABN 33 145 234 528.

Denise Kipling (AR No. 235861) is an Authorised Representative of Springboard Wealth Pty Ltd AFSL 544118.

Further information about our financial services and authorisations is available in our Financial Services Guide.

General information only

The information contained on this website is provided to explain our services and provide general information about financial planning, aged care and related matters.

Unless expressly stated otherwise, information on this website is general in nature and has been prepared without taking into account your individual objectives, financial situation or needs.

It should not be regarded as personal financial advice.

Before making a financial decision or acting on information contained on this website, you should consider whether the information is appropriate to your circumstances and, where appropriate, obtain professional advice that takes into account your individual circumstances.

No adviser-client relationship

Accessing this website, downloading information, submitting an enquiry or communicating with us through the website does not, by itself, establish an adviser-client relationship or constitute the provision of personal financial advice.

Aged care, Centrelink and government information

Aged care and retirement decisions can involve complex financial, legal, taxation, estate-planning and government-entitlement considerations.

Information on this website concerning aged care fees, accommodation payments, Centrelink or Department of Veterans' Affairs entitlements, means testing, government benefits, legislation or government policy is general information only.

Government rules, thresholds, rates and legislation may change from time to time, and their application will depend upon individual circumstances.

Information on this website should therefore not be regarded as confirmation or a guarantee of any particular aged care fee, Centrelink or DVA entitlement, taxation outcome or other financial outcome.

Where appropriate, you should obtain advice from suitably qualified financial, legal, taxation or other professional advisers before making a decision.

Accuracy and currency

We take reasonable care in preparing and maintaining information published on this website.

However, financial, aged care, taxation, social security and other laws, rules, rates and thresholds can change.

To the extent permitted by law, we do not warrant that all information on this website will at all times be complete, accurate, current or suitable for your individual circumstances.

You should not rely solely on information contained on this website when making important financial, aged care, legal or other decisions.

Examples and case studies

Any examples, case studies, calculations, illustrations or scenarios appearing on this website are provided for general educational or illustrative purposes only.

Individual circumstances differ and an outcome experienced by one person may not apply to another.

We do not guarantee any particular investment, taxation, Centrelink, DVA, aged care fee or other financial outcome.

Third-party websites

Our website may contain links to government agencies, aged care providers, professional organisations and other third-party websites.

These links are provided for information and convenience only.

We do not control third-party websites and, unless expressly stated otherwise, do not endorse or accept responsibility for their content, accuracy, availability, security, products or services.

Intellectual property

Unless otherwise stated, original content on this website, including text, graphics, logos, documents and guides, is owned by or licensed to Financial Success and is protected by applicable intellectual property laws.

You may view, download or print website information for your personal and non-commercial use.

Website content must not otherwise be reproduced, modified, distributed, published or commercially used without our prior written permission, except where permitted by law.

Website availability and security

While we take reasonable steps to maintain this website, we cannot guarantee that it will always be available, uninterrupted, secure or free from errors, viruses or other harmful components.

Internet and email communications may not always be secure. Please exercise care when sending sensitive personal, financial, health or identification information electronically.

Limitation of liability

To the maximum extent permitted by law, Financial Success does not accept liability for loss or damage arising from reliance on general information contained on this website or from your use of, or inability to access, this website.

Nothing in these Terms of Use is intended to exclude, restrict or modify any right, remedy, guarantee or liability that cannot lawfully be excluded or limited under Australian law.

Online appointment bookings

Appointments offered through our website are subject to availability and are only confirmed once the applicable appointment fee has been paid and you have received confirmation of the booking.

The appointment fee relates to the meeting type and duration selected at the time of booking. Any additional services, including personal financial advice, strategy work, modelling, implementation or preparation of a Statement of Advice, will be separately scoped and quoted where applicable.

Cancellation & Rescheduling Policy

We understand that circumstances can change, particularly when families are navigating aged care. If you need to cancel or reschedule an appointment, we ask that you provide us with as much notice as possible.

Cancellations

If you cancel an appointment and provide at least two business days' notice, we will refund the appointment fee, less any payment-processing costs that were disclosed to you before booking and that are not refundable to us, except where applicable law requires otherwise.

If you cancel with less than two business days' notice, the following cancellation fee may be deducted from the amount you have paid:

15-minute Phone Meeting - $50

30-minute Zoom Meeting - $100

60-minute In-person Meeting - $165

Any remaining balance will be refunded to the original payment method.

Rescheduling

You may reschedule your appointment once without a cancellation fee where at least two business days' notice is provided and an alternative appointment is available. A request to reschedule with less than two business days' notice may be treated as a late cancellation, although we may waive or reduce the fee depending on the circumstances.

No-shows and late arrivals

If you do not attend your appointment and have not contacted us beforehand, the applicable late cancellation fee may be deducted from the amount paid. If you arrive late, we will make reasonable efforts to accommodate you; however, the appointment may still need to finish at the originally scheduled time and no reduction in the appointment fee will generally apply.

Unexpected circumstances

We appreciate that illness, hospitalisation, changes in aged care arrangements and other unforeseen circumstances can occur. We may waive or reduce a cancellation fee where we consider the circumstances reasonable.

Business days

For the purposes of this policy, a business day means Monday to Friday, excluding public holidays in South Australia.

Consumer rights

Nothing in this Cancellation & Rescheduling Policy excludes, restricts or modifies any right, remedy, consumer guarantee or other protection that cannot lawfully be excluded or limited under the Australian Consumer Law or other applicable law.

Privacy

We respect your privacy and handle personal information in accordance with our Privacy Policy and applicable privacy laws.

Please refer to our Privacy Policy for further information about how we collect, hold, use and disclose personal information.

Changes to these Terms

We may update these Terms of Use from time to time to reflect changes to our website, services, business practices or regulatory requirements.

The current version will be published on this website and will show the date it was last updated.

Governing law

These Terms of Use are governed by the laws of South Australia and applicable laws of the Commonwealth of Australia.

Contact us

If you have any questions regarding these Terms of Use, please contact:

Financial Success
Specialising in Aged Care Financial Advice

Website: www.agedcarefinancialspecialist.com.au
Email: denise@financialsuccesssa.com.au
Phone: (08) 8223 6880