Terms of Use

Effective date: 1 October 2026  ·  Last updated: 1 October 2026

1. About This Publication

Onyx Bolt — The Vault Ledger is an independent personal finance editorial publication operated from Level 4, 111 Macquarie Street, Hobart TAS 7000, Australia. Email: ledger@onyxbolt.com. Phone: +61 3 6230 4175.

We publish independent personal finance education for Australian readers — savings habits, emergency-fund checklists, and questions to ask when comparing savings accounts. We are not a bank, financial product provider, licensed financial adviser, locksmith, security company, or hardware manufacturer.

2. Not Financial Advice

Nothing on this website constitutes personal financial advice, a financial product recommendation, or an endorsement of any financial product or service provider. All editorial content is for general educational and informational purposes only. It does not take into account your individual financial situation, objectives, or needs.

Before making any financial decision — including opening, switching, or closing a savings account — you should consider whether the relevant information is appropriate for your circumstances and, if necessary, seek advice from a financial adviser licensed by ASIC.

3. No Affiliation with Banks

Onyx Bolt is not affiliated with, endorsed by, or a partner of any Australian bank or financial institution. Banks mentioned editorially on this site — including ANZ, Bendigo Bank, Commonwealth Bank of Australia, ING Bank (Australia), Macquarie Bank, National Australia Bank, St.George Bank (a Division of Westpac Banking Corporation), and Westpac Banking Corporation — are referenced for independent educational purposes only. No mention on this site constitutes a recommendation, referral, sponsored placement, or financial product comparison in the sense defined by the Corporations Act 2001 or the National Consumer Credit Protection Act 2009.

4. Use of the Website

By accessing onyxbolt.com, you agree to:

• Use the site for lawful personal research and educational purposes only.
• Not reproduce, distribute, or republish editorial content without written permission.
• Not attempt to circumvent security measures or interfere with the operation of the site.
• Not use any automated tool to scrape content at a rate that disrupts the site's operation.

5. Intellectual Property

All original editorial content, design, and code on onyxbolt.com is owned by Onyx Bolt. Unauthorised reproduction of editorial content in whole is not permitted. Short quotations for commentary, criticism, or news reporting, with proper attribution, are permitted consistent with Australian copyright law (the Copyright Act 1968).

6. Trademarks

The following are registered or common law trademarks of their respective owners. Onyx Bolt uses these names for editorial and educational reference only. We make no claim of ownership over any of these marks and are not affiliated with their owners:

• ANZ — trademark of Australia and New Zealand Banking Group Limited.
• Bendigo Bank — trademark of Bendigo and Adelaide Bank Limited.
• Commonwealth Bank and CommBank — trademarks of Commonwealth Bank of Australia.
• ING — trademark of ING Group and ING Bank (Australia) Limited.
• Macquarie — trademark of Macquarie Group Limited and related entities.
• NAB and National Australia Bank — trademarks of National Australia Bank Limited.
• St.George Bank — trademark of Westpac Banking Corporation. St.George Bank is A Division of Westpac Banking Corporation ABN 33 007 457 141. Onyx Bolt is not affiliated with, endorsed by, or sponsored by St.George Bank or Westpac Banking Corporation, or any of their related entities.
• Westpac — trademark of Westpac Banking Corporation.

All other third-party trademarks, trade names, and logos referenced on this site belong to their respective owners. Reference to these marks does not imply any affiliation, endorsement, or sponsorship.

7. Third-Party Links

Links to external websites (including bank public websites and government resources) are provided for reader convenience and educational reference. Onyx Bolt does not control, endorse, or take responsibility for the content or practices of any third-party site.

8. Limitation of Liability

To the maximum extent permitted by Australian law, Onyx Bolt is not liable for any direct, indirect, incidental, or consequential loss arising from use of or reliance on information published on this site. Editorial content is provided in good faith but may be out of date or contain errors. You use the site at your own risk.

Nothing in these Terms limits rights you may have under the Australian Consumer Law that cannot be excluded.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Tasmania, Australia. Any disputes arising in connection with these Terms will be subject to the exclusive jurisdiction of the courts of Tasmania.

10. Changes

We may update these Terms from time to time. When we do, we will update the effective date. Continued use of the site after changes constitutes acceptance.

11. Contact

ledger@onyxbolt.com
+61 3 6230 4175
Level 4, 111 Macquarie Street, Hobart TAS 7000, Australia