Terms of Use

Effective Date: 23/04/2026

1. Introduction

These Terms of Use (“Terms”) govern your access to and use of PlateRiver.NET (“Plate River”, “we”, “our”, “the Site”) and all services we provide, including:

• Internet Speed Test
• SSL Certificate Checker
• Loan Repayments Calculator
• Chinese Chess gameplay
• Learning and practice tools
• Classifieds listings at classifieds.plateriver.net
• Any other tools or features we may introduce

By using our website or services, you agree to these Terms and our Privacy Policy.
If you do not agree, you must stop using the Site immediately.

2. Account Registration

Some features may require optional registration or sign‑in through third‑party platforms (e.g., Google or Facebook).

By registering, you agree that:

• You will provide accurate information
• You will keep your login credentials secure
• You are responsible for all activity under your account
• You authorise us to access basic information from third‑party login providers, as described in our Privacy Policy

You may delete your account at any time.

3. Acceptable Use

You agree to use PlateRiver.NET only for lawful purposes.

You must not:

• Violate any applicable laws or regulations
• Interfere with or disrupt the Site or its services
• Attempt to gain unauthorised access to accounts or systems
• Misuse tools for unintended purposes (e.g., automated scraping, spam, abuse)
• Upload harmful, misleading, or inappropriate content
• Use the Site to harass, defraud, or harm others

We may suspend or terminate access for violations of these Terms.

4. Tools and Games

PlateRiver.NET provides various tools and games, including:

• Internet Speed Test
• SSL Certificate Checker
• Loan Repayments Calculators (Simple, Advanced and Professional)
• Chinese Chess

These tools are provided for convenience only.
We do not guarantee accuracy, performance, or suitability for any specific purpose.

Loan Repayments Calculator Disclaimer

PlateRiver.NET provides several loan repayment calculators, including Simple, Advanced and Professional versions. These tools are offered strictly for general information and estimation purposes. They are not financial advice, loan approval, or a quote from any lender.

While we aim to provide accurate estimates using daily‑interest and amortisation models, the results generated by these calculators:

• may differ from the calculations used by banks and lenders
• may not include fees, charges, or lender‑specific rounding rules
• do not represent financial advice or a lending decision
• do not guarantee eligibility for any loan product

You acknowledge that all financial decisions should be based on information obtained directly from your lender or a licensed financial professional. PlateRiver.NET is not responsible for any loss, cost or consequence arising from reliance on calculator outputs.

5. Directory: User‑Generated Content

PlateRiver.NET provides a directory platform where users may submit business listings.

By submitting a listing, you agree that:

• You have the right to publish the content
• Your content is accurate and lawful
• Your listing does not infringe any copyright, trademark, or other rights
• You grant Plate River a non‑exclusive licence to display and distribute your content as part of the Site

5.1 Prohibited Listings

You may not submit listings that involve:

• Illegal services
• Adult or sexual services
• Misleading or fraudulent offers
• Dangerous or restricted items
• Medical, therapeutic, or health claims that require licensing
• Content that violates Australian law

We may remove or restrict listings at our discretion.

5.2 Moderation Rights

We reserve the right to:

• Edit, hide, or remove any listing
• Restrict or suspend accounts
• Block categories or content that violate policies

We are not required to provide reasons for removal.

6. Intellectual Property

All content on PlateRiver.NET — including text, graphics, logos, icons, images, software, and layout — is the intellectual property of Plate River or its licensors.

You may not:

• Copy
• Reproduce
• Modify
• Distribute
• Create derivative works

except for personal, non‑commercial use.

7. Changes to Services

We may modify, suspend, or discontinue any part of the Site at any time without notice.

Your continued use of the Site after changes means you accept the updated Terms.

8. Disclaimers

PlateRiver.NET and all services are provided “as is” and “as available”.

We do not guarantee:

• Accuracy or reliability
• Uninterrupted or error‑free operation
• Suitability of any tool or result for a particular purpose

Your sole remedy for dissatisfaction is to stop using the Site.

9. Limitation of Liability

• To the fullest extent permitted by law, Plate River is not liable for:
• Direct, indirect, incidental, or consequential damages
• Loss of data, profits, or business
• Personal injury or death
• Issues arising from interactions between users
• Content posted by users
• Errors or interruptions in service

You use the Site at your own risk.

10. Severability

If any part of these Terms is found invalid or unenforceable, the remaining sections remain in full effect.

11. Governing Law

These Terms are governed by the laws of New South Wales, Australia.

Any disputes must be resolved in the courts of New South Wales.

If you access the Site from outside Australia, you are responsible for complying with local laws.

12. Notifications & Communication

By using the Site, you consent to receive:

• Essential service notifications
• Account‑related messages

You may opt out of marketing emails at any time.
You cannot opt out of service‑critical notifications.

13. Contact Us

If you have questions about these Terms, please contact us using the form on our website.