Welcome to Aged Care Explained (agedcareexplained.com). By accessing or using this website, its calculators, comparison tables, and articles, you agree to be bound by the following terms, conditions, and disclaimers.

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General Information Only — Not Individual Financial Advice

The content on this website is for general educational and calculation guidance only. It does not constitute formal financial advice under the Corporations Act 2001 (Cth). We strongly recommend consulting an accredited Aged Care Financial Adviser (AACS) or Centrelink Financial Information Service (FIS) officer prior to executing binding contracts.

1. Medical & Clinical Disclaimer

While articles and guides on AgedCareExplained.com are clinically reviewed by Medical Director Dr. Shahid Islam, MBBS to ensure alignment with Australian healthcare standards:

  • Content published here does not establish a doctor-patient relationship.
  • Information is not a substitute for professional clinical diagnosis, geriatric medical assessment, or acute hospital treatment plans.
  • Always consult your registered General Practitioner (GP), geriatrician, or local health authority regarding individual medical conditions.

2. Accuracy of Statutory Calculations

Our calculators (including the RAD vs DAP Calculator) utilize official Australian Government benchmark formulas and statutory interest rates (such as the 8.38% MPIR).

However, actual fees charged by an approved provider will depend on your formal Services Australia Income and Assets Assessment (SA457/SA485), individual care agreement negotiations, and prospective legislative changes.

3. Intellectual Property Rights

All content, proprietary calculator logic, graphical assets, logos, and article structures on AgedCareExplained.com are protected by Australian copyright and intellectual property laws. You may view and print individual copies for personal, non-commercial family use. Reproduction, scraping, or automated republishing without prior written consent is strictly prohibited.

4. Limitation of Liability

To the maximum extent permitted by the Competition and Consumer Act 2010 (Cth), Aged Care Explained, its authors, and clinical reviewers shall not be liable for any direct, indirect, incidental, or consequential loss resulting from reliance on the information, calculations, or provider data presented on this website.

5. Third-Party Links & Provider Directory

This website may contain links to external third-party websites (such as myagedcare.gov.au, health.gov.au, and approved provider portals). We do not control or endorse the content or operational policies of external sites.

6. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of New South Wales and the Commonwealth of Australia. Any disputes arising in connection with this website shall be subject to the exclusive jurisdiction of the courts of Australia.

7. Contact Information

For legal notices, terms inquiries, or permissions, please contact us via our Contact Form or email [email protected].