TERMS & CONDITIONS.
The terms for using theratio.com.au. Last updated 15 November 2026.
Who we are
Ratio is a service of Superstar Economics Pty Ltd, ABN 72 654 825 171 ("we", "us"). These terms apply when you use theratio.com.au. By using the site, you agree to them.
General information only
The content on this site, including field notes, is general information. It does not take into account your objectives, financial situation or needs. It is not financial, tax, accounting or legal advice. We do not hold an Australian financial services licence and are not a registered tax agent or BAS agent. Get advice suited to your circumstances before you act on anything you read here.
Our services
Any work we do for you is governed by a separate engagement letter. If that letter conflicts with these terms, the engagement letter applies.
Using the site
You may view, download and print content from this site for your own use or your business's internal use. You may not copy, republish or sell it without our written permission. You must not use the site in a way that breaks the law, interferes with its operation, or tries to gain access to systems or data you are not entitled to.
Intellectual property
We own, or are licensed to use, the content, design, logos and trade marks on this site. Superstar Economics, Quorum, The Few, Outlier and Ratio are our names. Nothing on this site gives you a licence to use them.
Field notes by email
If you subscribe, we will send you field notes by email. You can unsubscribe at any time using the link in any email or by writing to info@theratio.com.au.
Links to other sites
This site links to sites we do not control, such as LinkedIn and Instagram. We are not responsible for their content or their privacy practices.
Accuracy and availability
We take care to keep the site accurate and current, but we do not promise that it is complete, error-free or always available. We may change or remove content at any time.
Liability
Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded. Subject to that, we are not liable for any loss arising from your use of this site or your reliance on its content. Where our liability cannot be excluded but can be limited, it is limited, at our option, to supplying the service again or paying the cost of having it supplied again.
Privacy
Our Privacy Policy explains how we handle personal information.
Changes to these terms
We may update these terms. The date at the top shows when they last changed. Your continued use of the site means you accept the current terms.
Governing law
These terms are governed by the laws of Victoria, Australia. You agree to the non-exclusive jurisdiction of the courts of Victoria.
Contact
Email info@theratio.com.au or write to PO Box 24427, Melbourne VIC 3000.