Suttie Financial Group
Terms of Service
Suttie Financial Group
Last Updated: 28 October 2026
1. About Us
1.1 Welcome to Suttie Financial Group ("we", "us", "our"). We provide professional accounting, taxation, bookkeeping, business advisory, Self-Managed Superannuation Fund (SMSF) administration and mortgage and finance broking services to individuals, businesses and investors across Australia.
1.2 These Terms of Service govern your use of our website and the general information and online services available through it.
1.3 By accessing or using our website, you agree to these Terms of Service. Our professional services are subject to separate engagement agreements and applicable regulatory disclosures.
2. Our Services
2.1 Suttie Financial Group offers a range of professional services, including:
2.2 The availability and scope of our services depend on your circumstances, applicable legal requirements and our professional engagement arrangements.
2.3 Information provided on our website is general in nature and should not be considered personalised financial, taxation, legal or credit advice.
3. Client Responsibilities
3.1 Clients must provide accurate, complete and timely information necessary for us to deliver our professional services.
3.2 Clients are responsible for reviewing and approving tax returns, financial statements, loan applications and other documents before submission or lodgement.
3.3 We may rely on information supplied by clients and authorised third parties, subject to our professional and legal obligations.
3.4 Clients must promptly inform us of changes to their financial circumstances, business activities or other relevant information that may affect our services.
3.5 Suttie Financial Group is not responsible for delays, penalties or adverse outcomes arising from inaccurate or incomplete client information, except where responsibility cannot lawfully be excluded.
4. Accounting and Taxation Services
4.1 Our accounting and taxation services are provided in accordance with applicable Australian taxation laws, professional standards and regulatory requirements.
4.2 Taxation advice, calculations and estimates are based on the information available and legislation applicable at the time.
4.3 We do not guarantee specific tax refunds, deductions, assessments or financial outcomes.
4.4 Clients remain responsible for meeting their taxation and reporting obligations, including providing required documentation within agreed timeframes.
4.5 Services outside the agreed engagement scope may require additional authorisation and fees.
5. Mortgage and Finance Broking Services
5.1 Our mortgage and finance broking services assist clients in exploring finance options and applying for lending products appropriate to their needs and circumstances.
5.2 Loan products, interest rates, fees and lending criteria are determined by individual lenders and may change without notice.
5.3 Loan applications are subject to lender assessment, credit approval, property valuation and other relevant conditions.
5.4 Suttie Financial Group does not guarantee loan approval, borrowing capacity, interest rates or settlement timeframes.
5.5 Where applicable, our mortgage broking services are provided in accordance with the National Consumer Credit Protection Act 2009 (Cth) and relevant regulatory obligations, including the mortgage broker best interests duty.
5.6 Details of applicable fees, commissions, credit licensing arrangements and complaint procedures will be disclosed in the relevant Credit Guide or other required documents.
6. Professional Fees and Payments
6.1 Fees for our professional services are determined according to the nature, complexity and scope of work involved.
6.2 Fees and payment arrangements will be communicated through quotations, engagement letters, invoices or other agreed documentation.
6.3 Additional work outside the agreed scope may incur additional charges, subject to appropriate agreement.
6.4 Clients are responsible for paying invoices in accordance with the agreed payment terms.
6.5 We may suspend or discontinue services for overdue accounts, subject to applicable legal and professional obligations.
6.6 Nothing in these terms excludes any rights or remedies available under Australian Consumer Law.
7. Privacy and Confidentiality
7.1 Suttie Financial Group respects the privacy and confidentiality of all client information.
7.2 We collect, use, store and disclose personal information in accordance with applicable Australian privacy legislation and our Privacy Policy.
7.3 Client information may be shared with relevant authorities, lenders, financial institutions, professional advisers and authorised service providers where necessary to deliver our services or meet legal obligations.
7.4 We take reasonable measures to protect personal and financial information against unauthorised access, misuse, loss or disclosure.
7.5 Please refer to our Privacy Policy for further information about how we manage personal information.
8. Website Information and Disclaimer
8.1 We make reasonable efforts to ensure that information published on our website is accurate, relevant and up to date.
8.2 Website content is provided for general information purposes only and does not take into account individual financial circumstances or objectives.
8.3 Taxation laws, lending policies, interest rates and regulatory requirements may change. Information published on our website may not always reflect the latest developments.
8.4 Users should obtain professional advice appropriate to their circumstances before making taxation, business or borrowing decisions.
8.5 To the extent permitted by law, Suttie Financial Group is not liable for losses arising solely from reliance on general website information without appropriate professional advice.
9. Intellectual Property
9.1 All original content on this website, including text, graphics, logos, images, branding and design elements, is owned by Suttie Financial Group or used under appropriate licence, unless otherwise stated.
9.2 Website content may be viewed, downloaded or printed for personal or internal business use.
9.3 Reproduction, modification, distribution or commercial use of website content without prior written authorisation is prohibited, except as permitted by law.
10. Third-Party Websites and Services
10.1 Our website may contain links to external websites, including government agencies, banks, lenders, accounting software providers and other professional organisations.
10.2 These links are provided for convenience and informational purposes.
10.3 We do not control or endorse all information, products or services provided by external websites.
10.4 Users should review the terms and privacy policies of third-party websites before using their services.
11. Service Engagement and Termination
11.1 Professional services commence once the relevant engagement requirements have been satisfied and we have agreed to undertake the work.
11.2 We reserve the right to decline, suspend or terminate an engagement where permitted by law, including circumstances involving non-payment, incomplete information, conflicts of interest or regulatory concerns.
11.3 Termination of professional services will be managed in accordance with the relevant engagement agreement and applicable legal and professional obligations.
11.4 Clients remain responsible for outstanding fees properly incurred before termination, subject to applicable law.
12. Complaints and Dispute Resolution
12.1 Suttie Financial Group is committed to providing professional services and addressing client concerns fairly and promptly.
12.2 If you have concerns regarding our services, please contact us directly so that we can review and seek to resolve the matter.
12.3 Mortgage and finance broking clients may have access to the Australian Financial Complaints Authority (AFCA), where applicable.
Australian Financial Complaints Authority (AFCA)
Website: http://www.afca.org.au/
Telephone: 1800 931 678
12.4 Other complaints may be referred to relevant regulatory or professional bodies where appropriate.
13. Governing Law
13.1 These Terms of Service are governed by the laws of Victoria, Australia, and applicable Commonwealth legislation.
13.2 Any disputes relating to the use of this website will be subject to the jurisdiction of the competent courts of Victoria, subject to applicable statutory rights.
13.3 Nothing in these terms limits any rights that cannot lawfully be excluded under Australian legislation.
14. Changes to Terms of Service
14.1 We may update these Terms of Service periodically to reflect changes in our services, business operations or applicable laws.
14.2 Any updates will be published on our website with the revised effective date.
14.3 Continued use of the website after changes are published constitutes acceptance of the updated terms to the extent permitted by law.
14.4 Changes to existing professional engagements remain subject to the relevant agreements and legal requirements.
15. Contact Us
If you have questions about these Terms of Service or require further information about our services, please contact:
Suttie Financial Group
Business Name: Suttie Financial Group
ABN: 94 006 628 833
Address: Ground Floor, 1G Marine Parade Abbotsford 3067 VIC
Email: sfg.enquiries@respl.com.au
Phone: +61394173511
Website: https://www.sfg-group.com.au/
Suttie Financial Group — Professional Accounting, Taxation & Finance Solutions Tailored to Your Needs.