Effective Date: 12/11/2026
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.
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
Your use of PlateRiver.NET is subject to the disclaimers published on our Disclaimers page, which forms part of these Terms of Use
Please review the Disclaimers page carefully before relying on any content, tool, calculator, game, listing, result, or service available through the Site.
By using the Site, you acknowledge and accept the disclaimers and limitations described therein.
9. Limitation of Liability
To the fullest extent permitted by law, Plate River shall not be liable for any loss, damage, expense, liability, claim, or cost arising from or related to your use of the Site or any services provided through it.
Further information regarding limitations, exclusions, and liability disclaimers can be found on our Disclaimers page.
Nothing in these Terms excludes any rights that cannot be excluded under applicable law, including the Australian Consumer Law.
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.