Disclaimer
Important Notice
The estimates and outputs generated by the PropertyCosts.com.au calculator are for illustrative and hypothetical purposes only. This information constitutes General Advice and does not take into account your personal objectives, financial situation, or needs. We have not considered whether the information or the hypothetical scenarios generated are suitable for your specific circumstances. The results must not be relied upon as professional legal, financial, or tax advice, and are not a substitute for consulting a qualified professional. Before making any property investment, finance, or legal decisions, you should seek independent advice from a licensed financial planner, tax professional, or legal practitioner.
1. Scope of Service: Factual Information & General Advice Warning
This platform, PropertyCosts.com.au (The Service), provides cost estimates, calculations, general information, and data regarding property ownership, acquisition, and holding costs in Australia.
A. General Advice Warning (GAW)
The information, estimates, and calculations provided by The Service constitute General Advice only. It is intended for general informational, educational, and illustrative purposes.
The information is prepared without taking into account your personal objectives, financial situation, or needs.
Before making any investment, financial, credit, or legal decisions based on the information provided by The Service, you must consider the appropriateness of the information having regard to your own personal objectives, financial situation, and needs. You should also seek independent professional advice from a qualified financial adviser, tax consultant, or legal practitioner.
B. Non-Financial Product Advice
The Service does not provide Personal Financial Product Advice as defined under the Corporations Act 2001 (Cth). We have not considered, nor should a reasonable person expect us to have considered, any aspect of your personal objectives, financial situation, or needs in providing this information or these calculations.
2. Licensing Status and Credit Assistance Disclaimer
The Service and its operators:
- Do not hold an Australian Financial Services (AFS) Licence issued by the Australian Securities and Investments Commission (ASIC).
- Are not authorised to provide, and do not provide, regulated financial product advice concerning securities, derivatives, superannuation, insurance, or any other financial product regulated under the Corporations Act.
- Do not hold an Australian Credit Licence (ACL) issued by ASIC under the National Consumer Credit Protection Act 2009 (Cth) (NCCPA).
- Do not provide regulated credit assistance. This includes, but is not limited to, suggesting that you apply for a particular credit contract with a particular credit provider, or assisting you to apply for a particular credit contract. Any reference to interest rates, loan repayments, or lending structures are generic, hypothetical market data points only.
3. Calculator and Data Accuracy Limitations
All numerical calculations, forecasts, and estimates provided by the tools within The Service are provided for illustrative purposes only.
- Hypothetical Basis: Results are based on generic, user-entered, or assumed inputs, and market averages, and are not specific to any actual property or loan product.
- Not a Valuation: Any estimation of property value, rental yield, or market price is an automated valuation model (AVM) estimate and must not be relied upon as a professional valuation or an accurate representation of the market sale or rental value of the subject property.
- External Data: We may rely on external or third-party data, including data from government sources, which we do not verify independently. The Service provides no warranties as to the accuracy, reliability, completeness, currency, or suitability of this third-party data.
4. General Exclusion of Liability
To the maximum extent permitted by law, The Service (including its employees, agents, and related entities) excludes all liability for any loss, damage, or cost, howsoever arising (including without limitation, liability in negligence), incurred by any person or entity.
This exclusion of liability applies whether the loss is suffered as a result of:
- Reliance on the accuracy, currency, or completeness of the information or calculation results provided by The Service.
- Decisions made in relation to any financial product or credit contract based on the information provided by The Service.
Your use of The Service is entirely at your own risk.