Talking Concepts
September 2025
What's been going on this quarter?
Stay current with Concepts & Results and any updates in the market
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Both good and bad, we want to know how we can improve our service for you.
Dates to Remember
21 September 2025 – Monthly IAS – August lodgement and payment due
21 October 2025 – Monthly IAS – September lodgement and payment due
31 October 2025 – Final date for lodgement of Income Tax Returns if not lodged via a tax agent.
25 November 2025 – Quarterly BAS – September lodgement and payment due
21 November 2025 – Monthly IAS – October lodgement and payment due
Quarterly Super Due Dates –
Super contributions must be received by the employee’s super fund by the following deadlines:
1 July – 30 September → Due by 28 October.
1 October – 31 December → Due by 28 January.
1 January – 31 March → Due by 28 April.
Starting INTEREST RATES
RBA Drops rates by 0.25%!
4.59% p/a Fixed Rate
5.36% p/a Comparison Rate
Based on our lender panel, Bank Australia’s 3 Year Fixed Rate, provides the most competitive Interest Rate. Interest rates are correct as at 25/08/2025 and subject to change at anytime. The comparison rate is based on a loan amount of $500,000, over a 30 year term.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Terms, conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Join our Facebook & Instagram groups
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Staff updates
Farewell Karlo, Welcome Maricar!
We’d like to let you know that Karlo from our Admin department will be finishing up with us. We thank him for his contributions and wish him all the best for the future.
At the same time, we’re pleased to welcome Maricar Coronel, who will be stepping into the Admin role. Maricar brings great experience and we’re excited to have her join the team!
We would also like to welcome Shana Palmos (see image), who has been working in our loans department over the last few months, you may have already spoken with her!
Client Success Stories:
Paying Less Tax with the Right Advice
Our Senior Accountant, Rocky, helped our client Charles S. save thousands in unnecessary tax.
Charles had relocated to the Philippines but was still lodging his tax return as an Australian resident. After reviewing his situation, Rocky advised that Charles should instead lodge as a non-resident for tax purposes.
This simple change meant Charles no longer had to pay Australian tax on his overseas income — resulting in a significant saving and peace of mind knowing his tax is now handled correctly.
At Concepts & Results, we pride ourselves on helping clients navigate complex tax rules so they can keep more of what they earn.
Do You Need to Lodge a TPAR?
Here Are the Signs to Watch For
If your business pays contractors to provide certain services on your behalf, you may be required to lodge a Taxable Payments Annual Report (TPAR).
The TPAR is part of the ATO’s efforts to ensure fairness in the business community by making sure all contractors report their income accurately.
If you’re unsure whether it applies to your business, now is the time to check — the due date is 28 August each year, and penalties apply for late lodgment.
What Is a TPAR?
The TPAR is a report that businesses submit to the ATO outlining payments made to contractors during the financial year. It helps the ATO match income declared by contractors with the payments they received, reducing the risk of under-reported income and ensuring a level playing field for all.
You must report the contractor’s name, address, and ABN, as well as the total amount paid, including GST and any cash payments. This is the same information you would already be using to claim tax deductions or GST credits, so it should be readily available on the invoices you’ve received from contractors.
Does It Apply to Your Business?
You may need to lodge a TPAR if:
- Your business operates in one of the following industries:
- Building and construction
- Cleaning services
- Courier or road freight
- Information technology (IT) services
- Security, investigation or surveillance services
- You’ve hired contractors (not employees) to perform these services on your behalf.
For example:
- A cleaning company that outsources regular jobs to independent cleaners.
- A construction firm that pays sub-contractors to complete part of a project.
- An online store that hires a third-party courier to deliver packages.
Even if these services are not your core business activity, you may still be required to lodge a TPAR if you’ve paid contractors to perform them. That’s a common trap for businesses who assume that because, say, they’re a retail store and not a courier company, TPAR doesn’t apply — but if they hire a courier to deliver goods to customers, that counts.
How to Lodge
Lodging your TPAR is straightforward and can be done online via:
- SBR-enabled software, or
- Online services for business (available via the ATO’s website).
You can also have your registered tax agent lodge it for you. Just make sure the information is complete and accurate to avoid issues down the track.
Important Changes to Be Aware Of
The ATO will no longer accept paper TPAR lodgments after 28 August 2025. That means all businesses will need to transition to digital reporting by then. If you haven’t already, now’s a good time to check that your accounting software supports TPAR lodgment or speak to your accountant to get set up.
Need Help?
If you’re unsure whether your payments qualify or whether your business is required to report, speak with your accountant or tax adviser. We can help you review your transactions, meet your obligations, and avoid unnecessary penalties.
Staying on top of TPAR requirements is just one more way to keep your business running smoothly and compliantly.
Crypto & SMSFs
A Warning For Trustees
As interest in cryptocurrency continues to grow, an increasing number of self-managed super funds (SMSFs) are incorporating digital assets into their investment strategies.
While the potential for high returns can be appealing, the world of crypto is still relatively new and comes with significant risks. For SMSF trustees, it’s essential to tread carefully and comply with superannuation regulations to protect your fund and your future.
In recent years, SMSF trustees may have lost access to their crypto holdings due to theft, scams, forgotten passwords, and platform collapses. The lack of traditional consumer protections in the crypto world makes due diligence more critical than ever.
Here are some essential tips to help you manage crypto investments within your SMSF safely and responsibly:
- Use a Correctly Named Wallet
The crypto wallet holding your SMSF’s assets must be registered in the name of the SMSF, not your personal name. This is crucial for ensuring the legal ownership of the investment and maintaining your SMSF’s compliance with the Superannuation Industry (Supervision) Act 1993.
- Separate SMSF and Personal Crypto Investments
You must never mix personal and SMSF crypto assets. Combining them may breach the sole purpose test and could result in compliance action from the ATO. Keeping clear separation between personal and SMSF assets is a fundamental part of managing your fund legally and ethically.
- Use Reputable Trading Platforms
Only buy and trade cryptocurrency on legitimate, well-reviewed platforms. Look for businesses registered with relevant authorities, secure HTTPS connections, and clear trading policies. Independent reviews and user feedback can offer valuable insights into a platform’s reliability.
- Keep Accurate Records
Thorough recordkeeping is a must. This includes every purchase, sale, and transfer of crypto assets. Crypto sales and transfers are considered disposals and may be subject to capital gains tax (CGT). Maintaining complete records is essential for accurate tax reporting and successful audits. You should also keep documentation for wallet creation and any changes made.
- Safeguard Your Passwords
Lost or stolen passwords are one of the most common reasons SMSF trustees lose access to their crypto assets. Never share your wallet password and always store it securely, preferably using a password manager or an encrypted offline method.
- Avoid Related Party Transactions
SMSFs must transact at arm’s length. That means avoiding deals with related parties that aren’t conducted on commercial terms. This rule applies to crypto just as it does to any other investment.
- Maintain Valuation Records
Auditors require accurate market valuation of crypto assets each year. Ensure you can provide appropriate documentation that reflects fair market value at year-end.
- Beware of Scams and Impersonators
The ATO has warned of impersonators claiming to be representatives investigating crypto tax evasion. These scammers may request wallet access or personal information. Always verify the identity of anyone claiming to be from a government agency and never share sensitive information over the phone or email.
Crypto can be an exciting frontier for SMSF trustees, but it comes with serious responsibilities. Ensuring compliance, protecting your assets, and maintaining good records are all essential steps.
When in doubt, seek licensed advice to make sure your fund remains secure, compliant, and aligned with your long-term retirement goals.
Maximising Rental Property Deductions:
What You Can (and Can’t) Claim
Owning a rental property can be a great way to build wealth, but it also comes with a range of tax responsibilities. As a landlord, understanding what you can and can’t claim as a deduction is key to maximising your return while staying on the right side of the ATO.
The Australian Taxation Office (ATO) has clear guidelines around rental income and allowable deductions. Here’s what you need to know.
Declare All Rental Income
Before diving into deductions, it’s important to understand that all rental-related income must be declared. This includes:
- Rent received from tenants
- Rental bond money retained (e.g. for damage or unpaid rent)
- Insurance payouts related to the rental
- Reimbursements for expenses (like water or electricity)
- Government rebates or grants
- Income from short-term rental platforms (such as Airbnb or Stayz)
Whether you’re renting out a property long-term or casually letting it during holidays, income must be reported in your tax return for the year it was received.
What Can You Claim as a Deduction?
Here are some of the most common deductible expenses landlords can claim:
- Interest on Loans – You can claim the portion of interest paid on your loan used to purchase, renovate, or maintain the property (but not the principal).
- Council Rates and Water Charges – If you pay these costs as the landlord, they are deductible.
- Repairs and Maintenance – Costs for fixing damage or wear and tear from tenants are deductible. However, improvements or renovations are treated differently.
- Property Management Fees – Including agent commissions, advertising for tenants, and legal expenses related to leases.
- Depreciation – On eligible assets like appliances, carpets, and hot water systems, using a quantity surveyor’s depreciation schedule.
- Insurance Premiums – Including building, contents, and landlord insurance.
- Travel Costs – If you incur travel costs for inspections or maintenance, these are no longer deductible for most individuals from 1 July 2017 (with some exceptions for corporate landlords).
- Pest Control, Cleaning, and Gardening – Necessary upkeep expenses can be claimed, provided they are directly related to the property’s rental.
Be Careful with Capital Works and Improvements
It’s important to distinguish between repairs and capital improvements. While repairs can be claimed immediately, improvements—like replacing a kitchen or adding a deck—must be claimed over several years through capital works deductions. This is a common area where landlords get tripped up.
Part-Year or Private Use? Adjust Accordingly
If the property was only rented for part of the year or used personally at any time, you can only claim deductions for the portion of the expenses that relate to the rental period. Likewise, if you rent out part of your home (e.g. a room or granny flat), you must apportion expenses fairly.
Keep Records
To back up your claims, keep detailed records of all income, expenses, contracts, and receipts. The ATO requires records to be kept for at least five years, and being able to substantiate claims is crucial in the event of an audit.
By understanding your obligations and entitlements, you can make your investment work harder for you—both at tax time and over the long term.
Speak to your accountant to ensure your rental property deductions are accurate, compliant, and fully optimised.
Apportioning Rental Interest Expenses
Getting It Right for Tax Time
If you own a rental property, there’s a good chance you’re claiming interest expenses as part of your tax deductions. It’s one of the most common (and often one of the largest) claims for landlords.
But there’s a catch – you can only claim interest to the extent that it relates to earning assessable rental income.
That means in many situations, you’ll need to apportion (split) your interest expenses between deductible and non-deductible portions.
Getting this wrong can lead to over-claiming, which may result in amended returns, penalties, and unwanted ATO attention.
Let’s walk through when and how interest needs to be apportioned – and some common pitfalls to avoid.
When Do You Need to Apportion Interest?
The ATO outlines several situations where apportioning is necessary:
- Co-ownership of the Property
If you own a rental property with another person, you generally split interest expenses according to your legal ownership share.
- Joint tenants each own an equal share, so deductions are split 50/50.
- Tenants in common may own unequal shares (e.g. 70% / 30%), and interest must be split accordingly.
Even if one person pays all the loan repayments, the deduction is still based on ownership unless there’s a legally enforceable agreement stating otherwise – and the payments match that agreement.
- Mixed-Purpose Loans
If your loan was used partly for the rental property and partly for something private – such as buying a car or funding a holiday – you’ll need to work out what proportion relates to the property.
For example:
- Loan amount: $400,000
- $380,000 used for rental purchase, $20,000 for personal expenses
- Total interest for the year: $35,000
Deductible interest = $35,000 × (380,000 ÷ 400,000) = $33,250
The non-deductible portion ($1,750 in this example) can’t be claimed. And if the loan is refinanced or repayments alter the mix, you’ll need to adjust the calculation each year.
- Private Use of the Property
If you (or friends/family) use the property for any part of the year, you can’t claim interest for that period.
Say you rent the property for 9 months and use it privately for 3 months – only 75% of the interest is deductible. If only part of the property is rented (e.g. you rent out one room via Airbnb), you’ll also need to apportion based on both time and space.
- Part-Year Rentals
If the property is only genuinely available for rent for part of the year – for example, due to renovations or because you didn’t list it on the market – interest must be apportioned to cover only the rental period.
How to Stay on the Right Side of the ATO
Here are some tips to make sure your claims are correct and easy to substantiate:
- Keep clear records of loan purpose, rental periods, and any private use.
- Separate loans for private and investment purposes wherever possible – it makes apportionment simpler.
- Document co-ownership agreements if your ownership or repayment arrangements differ from the norm.
- Be consistent in how you calculate apportionment from year to year.
Why Accuracy Matters
Interest deductions can be substantial, and the ATO keeps a close eye on property-related claims. Overstating deductions – even by mistake – can lead to costly adjustments. On the flip side, under-claiming means you could be missing out on legitimate tax savings.
Getting apportionment right ensures:
- You claim the maximum allowed deduction without crossing compliance lines.
- You have the documentation to support your claim in case of a review.
- You avoid unexpected tax bills down the track.
Apportioning rental interest expenses might not be the most exciting part of property investing, but it’s an essential one. If your property isn’t purely rented 100% of the time or your loan isn’t solely for the rental, there’s a strong chance apportionment applies.
If you’re unsure how to calculate your deduction – especially with mixed-purpose loans or complex ownership structures – it’s worth getting tailored advice.
We can help you work through the numbers so you can claim confidently, compliantly, and in full.
Understanding PAYG Instalments
What Business Owners Need to Know
As a business owner, staying on top of your tax obligations is essential, not just at tax time, but throughout the financial year.
One of the key systems the ATO uses to help businesses manage their income tax is the Pay As You Go (PAYG) instalment system.
If your business earns income outside of salary and wages—such as business income, investment income, or trust distributions—PAYG instalments are likely to apply. Let’s take a look at how it works, what it means for you, and how to stay compliant.
What Is PAYG Instalment?
PAYG instalments are regular prepayments made towards your expected annual income tax liability. Rather than paying a lump sum when your tax return is lodged, PAYG helps you spread out your tax bill over the year, making it more manageable and improving cash flow planning.
The system applies to many various types of businesses, including sole traders, partnerships, companies, and trusts. If you receive income that hasn’t had tax withheld—such as profits from business or investments—you may be required to pay instalments.
When Do You Start PAYG Instalments?
The ATO will typically notify you if you’re required to start PAYG instalments. This usually happens if:
- Your most recent tax return shows instalment income above the threshold ($4,000 or more),
- Your tax payable is over $1,000, and
- You are not entitled to a full refund of the PAYG withheld.
Once notified, you’ll be entered into the PAYG instalment system from the next quarter. However, you can also voluntarily enter the PAYG system—something many growing businesses choose to do to avoid a surprise tax bill later.
How Are Instalments Calculated?
There are two main ways your instalments can be calculated:
- Instalment Amount – a fixed amount set by the ATO based on your previous tax return.
- Instalment Rate – a percentage applied to your actual income for the quarter.
If you expect your income to be lower or higher than last year, you can choose the method that best reflects your situation. You also have the flexibility to vary your instalments if your circumstances change—but it’s crucial to estimate carefully, as underestimating could lead to interest charges.
What Should You Do Now?
If you’ve received a PAYG instalment notice, check your myGov or Online Services for Business account to view your obligations. If you haven’t been notified but expect to earn business or investment income this year, consider whether voluntarily opting in to PAYG instalments makes sense for your situation.
It’s also worth having a chat with your accountant to:
- Confirm your PAYG obligations
- Choose the best calculation method
- Review your cash flow so you’re ready for each instalment
PAYG instalments are designed to make managing tax easier for business owners.
By spreading your tax payments over the year, you can reduce stress and avoid large, unexpected tax bills at the end of the financial year.
If you’d like help working out your PAYG position or planning ahead for upcoming instalments, we’re here to support you every step of the way.
Insights & Expertise: Explore Our Latest Resources
We believe that informed clients make the best financial decisions. That’s why we’ve curated a collection of free resources to help you understand the lending process, mortgage strategies, and financial planning.
RBA slashes cash rate to lowest level in over 2 years
✍️The Adviser
The Reserve Bank of Australia (RBA) has lowered the cash rate by 25 basis points to 3.60%, marking the third cut this year and the lowest level since May 2023. The decision was unanimous, with the board citing easing inflation and a steady labour market.
RBA governor Michele Bullock said the bank expects inflation to remain within its 2–3% target and employment to hold near current levels. She noted rates may need to fall further but emphasised ongoing uncertainty: “The board will continue to focus on the data to guide its policy response.”
Treasurer Jim Chalmers welcomed the move, calling it a reflection of “substantial and sustained progress” on inflation.
Industry leaders also backed the decision, highlighting benefits for borrowers. Finance Brokers Association of Australia’s Peter White said each cut helps more people qualify for loans, while MFAA CEO Anja Pannek urged lenders to pass on the full reduction to households.
Broker groups expect the cut to lift borrowing capacity, ease mortgage stress, and spur activity in the housing market. Some predict one or two more cuts this year if inflation and growth remain subdued.
Pepper Money’s Barry Saoud added the shift signals more supportive conditions: “Lower rates are expected to boost borrowing capacity, lift buyer sentiment, and re-energise demand.”
Why a One-Size-Fits-All Approach to Retirement Doesn’t Work
When it comes to retirement planning, there’s no shortage of advice – from rules of thumb like “you’ll need 70% of your pre-retirement income” to blanket strategies about when to downsize or how to invest.
While these can be helpful starting points, the reality is that no two retirements look the same.
Trying to apply a one-size-fits-all approach can lead to missed opportunities, unnecessary stress, and even financial shortfalls.
- Different Lifestyles Mean Different Costs
One person’s dream retirement might involve international travel and frequent dining out, while another might prefer a quiet life in the countryside tending to a garden. These lifestyle differences directly impact how much money you’ll need. Generic retirement formulas rarely account for personal priorities, hobbies, or location-specific living costs.
Example: A retiree in Sydney will likely face much higher living expenses than someone in regional Tasmania – even if their daily lifestyle is similar.
- Health and Longevity Are Unique to You
Your health status plays a huge role in shaping your retirement needs. Someone in excellent health may plan for decades of active living, while someone managing chronic conditions may need to prioritise medical care costs.
Longevity is another factor – and while none of us can predict exactly how long we’ll live, family history and lifestyle can help guide realistic planning.
- Income Sources Vary Widely
Some retirees rely heavily on superannuation, others on investment income, and some on part-time work or rental properties. A generic retirement strategy might not consider how to maximise the specific income streams available to you – or how to protect them from market volatility and tax implications.
- Personal Goals Change the Equation
Retirement isn’t just about covering living costs; it’s also about fulfilling personal goals. This could mean helping children or grandchildren financially, donating to causes you care about, or starting a small passion project. A tailored plan makes space for these ambitions.
- Life Can Be Unpredictable
Unexpected events – from a change in family circumstances to shifts in the economy – can upend even the best-laid retirement plans. Having a flexible, personalised strategy ensures you can adjust without derailing your long-term financial security.
The Bottom Line:
Retirement planning is deeply personal. While general guidelines can help you get started, the most effective strategies are those built around your lifestyle, health, goals, and resources.
Working with a trusted adviser can help ensure your plan is realistic, adaptable, and truly your own – giving you the best chance of enjoying the retirement you’ve envisioned. Why not start a conversation with one of our team today to find out how we can help?
Home Guarantee Scheme Brought Forward, Price Caps Lifted
✍️ The Adviser
The federal government has accelerated the expansion of the Home Guarantee Scheme, with the start date moved forward to 1 October 2025 and property price caps increased.
From October, all first-home buyers will be able to purchase with just a 5% deposit, without income caps or limits on places. Property caps will also rise sharply, including Sydney to $1.5 million, Melbourne to $950,000, Brisbane to $1 million, and Perth to $850,000.
Prime Minister Anthony Albanese said the move will “help young people and first home buyers achieve the dream of home ownership sooner” by cutting deposit saving times, avoiding thousands in mortgage insurance, and making loans more accessible.
Housing Minister Clare O’Neil added that the change was designed to “level the playing field” for younger Australians who have struggled to break into the property market.
Industry groups welcomed the reforms. FBAA managing director Peter White said the decision will put “more younger Australians within reach of realising their home ownership dreams,” while MFAA CEO Anja Pannek noted the higher price caps and unlimited places will give brokers more scope to help first-home buyers.
Lenders also backed the announcement, with NAB’s Matt Dawson highlighting that removing income caps and expanding eligibility will allow more Australians to buy sooner: “The reality is many people assume they can’t buy a home because they don’t have a 20 per cent deposit. The scheme shows homeownership can happen much sooner than expected.”
Tax Deductions to Know for 2024–2025:
A Guide for Individuals Preparing Their Return
As the 2025-26 financial year kicks off and the 2024-25 ends, it heralds the start of another tax season of receipt-chasing, deductions and paperwork.
Whether you’re lodging your return early or waiting until the October deadline, understanding what you can legally claim as a tax deduction can make a real difference to your refund — or your bill.
As accountants, we know how easy it is to overlook deductions or make assumptions that don’t align with current ATO rules. That’s why seeking professional advice can be invaluable. Below, we break down some of the key deductions that may apply to you this year.
- Work-Related Expenses
If you incur expenses as part of earning your income, you may be able to claim them — but they must be directly related to your job, and not reimbursed by your employer. Some commonly claimed deductions include:
- Home office expenses: With hybrid and remote work now the norm for many, you may be eligible to claim a portion of your electricity, internet, and depreciation of office equipment. For 2024–2025, the ATO continues to allow the fixed rate method (currently 70c/hour), but accurate records of hours worked from home are essential.
- Tools, uniforms, and protective gear: If your job requires a specific uniform, protective clothing, or tools, you may be able to claim these costs — including laundry expenses for eligible workwear.
- Education and training: Courses that directly relate to your current job (not a new career path) may be deductible, including fees, textbooks, and travel.
- Vehicle and Travel Expenses
If you use your personal vehicle for work-related travel (excluding your usual commute), you may be able to claim a deduction. The cents-per-kilometre method remains popular, with the 2024–2025 rate set at 88 cents per km. Keep a logbook or detailed diary to support any claim.
Note: Travel between home and work is generally not deductible unless you’re carrying heavy tools or moving between worksites.
- Donations and Gifts
Did you donate to a registered charity this year? Donations of $2 or more to organisations with Deductible Gift Recipient (DGR) status are claimable — just make sure you have a receipt.
- Cost of Managing Tax Affairs
Fees paid to a registered tax agent or accountant to prepare and lodge your return are tax-deductible. This includes associated costs like travel to your accountant or subscriptions to tax-related publications.
- Investment-Related Deductions
If you earn income from shares, rental properties, or managed funds, there are a range of deductions you may be entitled to, including:
- Interest on loans used to invest
- Management fees
- Accounting advice
- Repairs and maintenance for rental properties
- Depreciation on eligible assets (like appliances or furniture)
Keep in mind that deductions must relate to the period the property or investment was generating income — not just held for future gain.
Why Getting Professional Help Matters
The ATO’s data matching capabilities are stronger than ever, and simple errors — such as claiming deductions without proper substantiation — can trigger audits or delays.
While tax software has become more accessible, it can’t always replace the tailored advice and strategic insight of an experienced accountant.
At tax time, every dollar counts. We’ll help you:
- Maximise your eligible deductions
- Avoid costly mistakes or red flags
- Plan for the year ahead (especially if you’ve had changes in work, income, or investment strategy)
The tax rules change frequently, and what was deductible in the 2023-24 financial year may not be in the 2024-25 year.
If you want peace of mind — and potentially a better result — reach out to our team to book your tax return appointment today.
2025 Cancer Council Fundraising Initiative
In previous years, C&R has supported the Cancer Council with a single annual fundraiser. This year, we’re taking it further by hosting multiple smaller fundraising events throughout 2025, with the goal of raising $6,000 by December 31st. 💛
Our planned events include Australia’s Biggest Morning Tea 🍰, Dry July 🚫🍷, Daffodil Day 🌼, and more! All can join our Cancer Council team and donate through a dedicated link, and we encourage everyone—colleagues, family, and friends—to participate as events are announced.
Cancer has personally impacted many of us, and we’re committed to doing what we can to support research, prevention, and those affected. Together, we can make a difference! 💙✨
Progress raised
By electronic signing you've helped save...
323m
KG of wood
100 Central Parks
7.2bn
L of Water
2,886 Olympic Pools
727m
Kg of CO2
1,778 Fire Tucks
47.7m
KG of Waste
3,754 Garbage Trucks
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DISCLAIMER: Whilst all care is taken in the preparation of the material in this newsletter, the information provided is of a general nature and individuals should seek advice as to their own specific needs. Accordingly, no responsibility for errors or omissions is accepted by Concepts & Results group of companies or any member or employee.