Disclaimers & Legal Notices

1. Nature of Information Provided

BitcoinSuper provides general educational information about Bitcoin and Self-Managed Super Funds (SMSFs). We do not provide personal financial advice, tax advice, legal advice, or investment recommendations.

BitcoinSuper operates as an educational publisher. All content on this website is designed to help users understand:

• The structure and mechanics of SMSFs
• How Bitcoin can be held within SMSF structures
• Regulatory requirements and compliance obligations
• Methodology and assumptions used in modelling
• Risks and trade-offs associated with Bitcoin SMSFs

This information is general in nature and does not take into account your personal circumstances, objectives, financial situation, or needs. You should not rely on this information as a substitute for professional advice.

2. No Financial Advice / No AFSL

BitcoinSuper is not an Australian Financial Services Licence (AFSL) holder and does not provide financial services or personal financial advice under the Corporations Act 2001 (Cth).

What this means:

• BitcoinSuper does not provide recommendations about whether you should establish an SMSF
• BitcoinSuper does not provide recommendations about asset allocation or investment strategy
• BitcoinSuper does not provide advice about whether Bitcoin is suitable for your circumstances
• BitcoinSuper does not provide tax advice or legal advice

If you require personal financial advice, tax advice, or legal advice, you must consult appropriately qualified professionals who are licensed to provide such advice under Australian law.

3. Modelling, Performance & CAGR Disclaimers

All modelling, projections, and performance comparisons on BitcoinSuper are illustrative only. They are not predictions, forecasts, or guarantees of future results.

Historical performance does not guarantee future results. Bitcoin's historical performance (including its 10-year CAGR of approximately 85% from 2015-2024) is a mathematical fact about past performance. It is not an indicator of future performance.

Modelling limitations: All calculators, projections, and comparisons on this website:

• Ignore taxes, fees, and transaction costs
• Ignore volatility and sequence of returns risk
• Ignore drawdowns and interim losses
• Ignore regulatory changes and policy risk
• Assume steady compound growth (CAGR) which does not reflect real-world volatility
• Are based on assumptions that may not hold true

CAGR is illustrative only. Compound Annual Growth Rate (CAGR) smooths volatile returns into a single annualized figure. A 30% CAGR over 10 years does not mean the asset grew 30% each year — it means the average annual growth was 30%, which could include years of -50% and years of +150%.

For detailed methodology and assumptions, see Assumptions & Methodology.

4. Risk Disclosure

Bitcoin SMSFs involve significant risks across multiple categories. This section provides a high-level summary. For detailed risk analysis, see the Risk Register.

Risk categories include:

• Market risk: Bitcoin is highly volatile and can experience extreme price movements
• Operational risk: Loss of private keys, technical errors, or security breaches can result in total loss
• Regulatory risk: Rules governing SMSFs and Bitcoin can change, potentially affecting legality or tax treatment
• Compliance risk: SMSF trustees must meet ongoing compliance obligations or face penalties
• Liquidity risk: Bitcoin may be difficult to sell quickly at desired prices
• Counterparty risk: Reliance on exchanges, custodians, or service providers introduces risk
• Technology risk: Bitcoin relies on technology that could fail, be hacked, or become obsolete
• Concentration risk: Holding a single asset (Bitcoin) in an SMSF creates concentration risk

This is not an exhaustive list. For comprehensive risk analysis, including severity assessments and mitigations, see the Risk Register.

5. SMSF Responsibility & Compliance

As an SMSF trustee, you are legally responsible for all decisions and compliance obligations. BitcoinSuper does not assume any responsibility for your SMSF's compliance or performance.

Trustee responsibilities include:

• Legal responsibility: SMSF trustees are personally liable for all decisions and compliance failures
• ATO compliance: SMSFs must comply with all Australian Taxation Office (ATO) rules and regulations
• Annual audits: SMSFs must undergo annual audits by an approved SMSF auditor
• Separation of assets: SMSF assets must be kept separate from personal assets
• Investment strategy: SMSFs must have and follow a documented investment strategy
• Record keeping: SMSFs must maintain detailed records of all transactions and decisions
• Reporting: SMSFs must lodge annual returns and comply with reporting obligations

Penalties for non-compliance: Failure to comply with SMSF rules can result in:

• Administrative penalties
• Tax penalties
• Disqualification of trustees
• Loss of SMSF status
• Civil and criminal penalties in serious cases

BitcoinSuper provides educational information only. We do not provide compliance services, audit services, or legal advice. You must engage appropriately qualified professionals (SMSF administrators, auditors, tax agents, legal advisers) to ensure your SMSF complies with all applicable laws and regulations.

6. Execution Support Boundary

BitcoinSuper offers execution support consultations. These consultations are technical and educational only. They do not constitute financial advice, tax advice, or legal advice.

What execution support consultations include:

• Clarifying the SMSF setup sequence and common failure points
• Helping you think through secure storage and key management
• Reality-checking the work involved and trustee responsibilities
• Pointing you to appropriate resources and specialists
• Technical guidance on operational processes

What execution support consultations do not include:

• Personal financial advice or investment recommendations
• Price predictions or performance promises
• Tax advice or legal advice (we will suggest you consult qualified professionals)
• "Do it for me" shortcuts without trustee responsibility
• Endorsements of specific products, services, or providers

Referrals: If BitcoinSuper refers you to third-party service providers (such as SMSF administrators, auditors, or custody providers), such referrals do not constitute endorsements. You must conduct your own due diligence and make your own decisions about which service providers to engage.

All execution support conversations are technical and educational only. Andy (BitcoinSuper's founder) does not provide financial, tax, legal, or investment advice.

7. Regulatory Change & Sovereign Risk

The regulatory environment governing SMSFs and Bitcoin can change. Past compliance does not guarantee future compliance.

Regulatory change risk:

• Rules can change: Australian Taxation Office (ATO) rules, Australian Prudential Regulation Authority (APRA) regulations, and government policy can change at any time
• Tax treatment can change: The tax treatment of Bitcoin in SMSFs could be modified by legislation or ATO rulings
• Superannuation policy risk: Government policy on superannuation, SMSFs, or cryptocurrency could change
• Past compliance ≠ future compliance: What is compliant today may not be compliant tomorrow

Regulatory timestamps: BitcoinSuper includes regulatory timestamps on relevant pages (e.g., "Regulatory status as of January 2026"). These timestamps indicate when information was current. Always verify current rules with the ATO or qualified professionals.

Sovereign risk: Governments have the power to change laws, regulations, and tax treatment. In extreme cases, governments could:

• Prohibit Bitcoin holdings in SMSFs
• Change tax treatment retroactively
• Impose additional compliance requirements
• Modify superannuation rules in ways that affect SMSFs

BitcoinSuper cannot predict or control regulatory changes. You must stay informed about current rules and consult qualified professionals to ensure ongoing compliance.

8. Jurisdiction

BitcoinSuper operates in Australia and provides information relevant to Australian superannuation law and regulations.

Applicable law: All information on BitcoinSuper is provided in the context of:

• Australian law and regulations
• Australian Taxation Office (ATO) rules and guidance
• Australian Prudential Regulation Authority (APRA) regulations
• Corporations Act 2001 (Cth)
• Superannuation Industry (Supervision) Act 1993 (Cth)
• Income Tax Assessment Act 1997 (Cth)

International users: If you are not an Australian resident or do not have an Australian SMSF, the information on BitcoinSuper may not be relevant to your circumstances. You should consult professionals in your jurisdiction.

Jurisdiction for disputes: Any disputes arising from the use of BitcoinSuper's website or services will be governed by Australian law and subject to the exclusive jurisdiction of Australian courts.