This website is owned and maintained by Inside Edge Novated Leasing Pty Ltd (“InsideEDGE, we, us and our“) and may be used for informational purposes only. The use of this website is subject to the following terms and conditions which you should read carefully. By accessing, using, and/or downloading this website, materials from it, and the services available through it, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to comply with these terms you must not use this website, download materials from it, or use the services available through it. To contact us, please call us on 1300 551 987.

1. General use and access

This website is designed to be accessed through its principal home pages. If you access the website through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant. You will be referred to certain site pages for further information. This important information will contain details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

2. Keeping your account details safe

If you are provided with a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

You are responsible for any and all use (including without limitation unauthorised use) of the passwords and user identification. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.

3. Reliance

The contents of this website have been prepared without taking into account your particular circumstances, needs or objectives. We do not purport to provide any financial, investment or professional advice and nothing on this website shall be deemed to constitute the offer or provision of financial or other professional advice in any way. We strongly recommend that you seek independent legal, financial and accounting advice before acting on any information on this website.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of this website, this website is provided on an “as is” and “as available” basis, and we make no representations or warranties, express or implied, regarding the operation or availability of this website. The content on this website is provided for general information only. It is not intended to amount to advice on which you should rely. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on this website is accurate, complete or up-to-date. We exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of this website or any part of the content or materials are appropriate or available for use either in Australia or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

4. Limitation of liability

In no event will we, our affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, arising out of or in connection with your use, or inability to use, this website, any websites linked to it, any content on this website or such other websites or any services or items obtained through this website or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

Nothing in this clause affects any liability which cannot be excluded or limited under applicable law. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. Where our liability cannot be excluded, we limit our liability to the fullest extent permitted by the Australian Consumer Law.

You agree to defend, indemnify and hold us, our affiliates, licensors and service providers, and each of their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns, harmless from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable legal fees) arising out of or relating to your violation of these terms or your use of this website, including, but not limited to your use of any information obtained from this website and any use of this website’s content, services and products other than as expressly authorised in these terms.

Access to and use of this website including any data or other information distributed by, downloaded or accessed from or through this site is at the user’s own risk. Further, we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties. You are responsible for configuring your technology to access our website. You should use your own antivirus software.

5. Third party links

We may provide links to other websites or resources for you to access at your sole discretion. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources, and you access third party websites entirely at your own risk and subject to the terms and conditions of use for those websites. You acknowledge and agree that you enter such web sites at your own risk and you waive any actions or claims against us in regard to anything arising from your use of the third party website.

6. Personal data

When you access this website or download information from it, you acknowledge and agree that you have read our privacy policy and consent to us collecting your personal information and using that personal information as contemplated by our privacy policy available to read in full on our website.

7. Intellectual property

We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You must not modify copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged. You must not use any part of the content on our website for commercial purposes without obtaining a license to do so from us or our licensors. If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

The trademark of InsideEDGE, symbols thereof, and any other service marks or trademarks of the InsideEDGE, or logos thereof appearing on this website are trademarks or registered trademarks of the InsideEDGE.  They may not be used, reprinted, duplicated, or changed without our prior written consent.

8. Use of cookies

A cookie is a small file that is sent to your browser and stored on your computer and helps us understand and track your use of our website and where we can improve the information and services we provide to you.

We may work with third parties to research certain usage and activities on our website.  No personal information about you is shared except to the extent it is required to be used by a third party or parties for providing such research, and in the course of conducting this research we and these third parties may place a unique “cookie” on your browser.

We use cookies to gather information on IP addresses, to analyse trends, administer the site, track user’s movements on the site, and gather broad demographic information for aggregate use.  IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages.

If our website requires you to register or login to gain access to the website, cookies are used to assist in this process.  Cookies are used as part of the registration process, they are also used to store the username while the user is logged into the site and to track the number of times the user has tried to log in during a single visit.

You are not obliged to accept a cookie and you can modify your browser so that it will not accept cookies. However, please note that you may not be able to use or access certain parts of the website or online services if you block the use of cookies.

9. Communications

In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, InsideEDGE reserves the right to record all telephone calls and monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes but is not limited to, checks for and blocking of, viruses and other malignant code, criminal activity, and use or content that is unauthorised as being in breach of the terms of use policies.

Messages that you send to InsideEDGE by e-mail may not be secure. InsideEDGE recommends that you do not send any confidential information by e-mail. If you choose to send any messages to InsideEDGE via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

10. Ad-hoc changes to the website

The contents of this website, including these terms and conditions of use, are subject to change this website from time to time. We may update and change our website from time to time to reflect changes to our products, our users’ needs, changes in law, and our business priorities.

We do not guarantee that our website, or any content on it, will always be available, uninterrupted, or error-free. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons.

Every time you wish to use this website, please check these terms to ensure you understand the terms that apply at that time. Your continued use of this website after any changes are posted will indicate your acceptance of such changes.  You must stop using our website if you do not agree with the updated terms and conditions.

You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions and that they comply with them.

11. Enforceability

In the event any provision of these terms and conditions of use and access of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Last updated February 2023.

12. On-line calculators

Packaged fortnightly cost.

Calculations provided are an estimate only and do not constitute a quote or offer of finance. Packaged fortnightly cost is based on the following assumptions:

1) product is an InsideEDGE Novated Lease

2) the inputs you provide regarding your location, annual kms travelled, novated lease term and annual salary;

3) the weekly cost includes finance and estimated costs for fuel, registration, insurance, servicing and repairs, tyres and roadside assistance based on previous assumptions, which finance and estimated costs may have changed at the time a lease quotation is provided;

4) includes potential GST and PAYG savings over the term of the lease. The calculations include a provision for fringe benefits tax and exclusion on electric vehicles where applicable (FBT) calculated using the ECM method.

At the end of the lease, a Residual Value obligation will apply, and GST will be payable on the Residual Value amount if you purchase your vehicle. The vehicle cost component is based on the manufacturer’s standard RRP driveaway; actual pricing may change at the time a lease quotation is provided. The cost does not include any optional extras unless stated. Any additional optional extras would impact the cost of the vehicle to you. Your individual circumstances have not been taken into account and will impact the overall cost amount and the benefits of a novated lease. Given all vehicle pricing provided is indicative only, for the purposes of assisting you with your vehicle selection process, all orders and delivery times will be subject to stock availability.  Specific vehicles may attract other taxes or levies, for example, luxury car tax. Where the vehicle is an EV/PHEV, federal or state-based incentives have not been factored in and may be applied at the time a lease quotation is provided. All reasonable care has been taken, however, InsideEDGE provides no warranties and makes no representation that the information provided is appropriate for your particular circumstances or indicates you should follow a particular course of action.

Independent advice.

Prior to entering a novated lease arrangement, you should seek independent qualified financial advice as the complexities of a novated lease could have a significant impact on your financial situation.

Packaged cost comparison.

Novated lease comparison based on 2023-2024 income tax rates. The examples are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for independent professional taxation and financial advice. For the purposes of this example we have not taken into account the impact of salary sacrificing gross salary for fringe benefits on the calculation of your superannuation guarantee contributions. This calculation also does not take into account the impact of any tax offset including but limited to, the lower and middle-income tax offset to which you may be entitled. All reasonable care has been taken in preparing these materials however, InsideEDGE provides no warranties and makes no representation that the information provided is appropriate for your particular circumstances or indicates you should follow a particular course of action.

For any further information or to speak to someone directly, please click here.

13. FBT Exempt novated lease

The tax savings forecast in this document requires a Reportable Fringe Benefit Amount {RFBA) to be noted by your employer on your pay slips and payment summary to the ATO. Whilst there is no FBT payable on this lease under the current legislation, the RFBA will increase your assessable income for a number of Government benefits and personal obligations that are calculated from your assessable income. For more information please refer to our Reportable FBT page. Please contact a licenced financial advisor for assistance with the calculation of changes to your benefits and obligations.

14. InsideEDGE novated lease quotes, models & marketing material

While InsideEDGE makes every effort to provide accurate and complete information, InsideEDGE makes no express or implied representation as to the accuracy or completeness of the information provided and will not be liable to you or your employer, in any respect. The Gross Income is nett of any other package deductions, it does not include income from other sources – other factors may also affect your income for Medicare Levy Surcharge purposes. The Nett Income calculation is based on a number of assumptions and the estimates do not include and HECS or Child Maintenance liabilities or any Low Income Tax Offset (LITO) that may be applicable. The exact amount of your income tax can only be calculated upon lodgment of your Income Tax Return or obtaining advice from your financial advisor. InsideEDGE recommends that you obtain your own independent advice when considering salary packaging. Each campaign may vary in baseline figues used to generate the savings or the weekly costs through a novated lease. These parameters are as of 1st June, 2024 using a gross salary figure of $130,000, ACT 2601 postcode, 10,000Km over a 5 year lease term. Models are generated to show how the calculations and savings are achieved and can be presented when neccessary.