These Terms & Conditions (“Terms”) apply to your access to and use of True Cost Tools™, including our websites, calculators, decision tools, web applications, digital products, reports and related educational content.
True Cost Tools™ is operated by:
Connected Freedom Media Pty Ltd
ABN 20 620 654 266
Suite 44140
3/2237 Gold Coast Hwy
Mermaid Beach QLD 4218
Australia
Email: [email protected]
In these Terms, “we”, “us” and “our” refer to Connected Freedom Media Pty Ltd.
True Cost Tools are educational tools designed to help you explore financial scenarios, assumptions and trade-offs.
They provide mathematical modelling and educational information based on information and assumptions entered by you and/or default assumptions provided within the tool.
True Cost Tools do not provide personal financial, investment, tax, legal, credit or accounting advice.
Nothing within our websites, tools, reports, videos, emails or other content is intended to tell you whether you should buy, sell, rent, borrow, invest or make any particular financial decision.
We do not know your complete financial circumstances, objectives or needs.
You remain responsible for your own decisions.
Where appropriate, you should consider obtaining advice from a suitably qualified and, where required, licensed professional who can consider your individual circumstances.
Any projections, comparisons, scores or results produced by True Cost Tools are hypothetical estimates based on the information and assumptions used in the calculation.
Future property prices, rents, interest rates, investment returns, inflation, taxation, expenses and other variables cannot be known in advance.
Historical performance does not guarantee future performance.
Actual outcomes may differ materially from scenarios generated by our tools.
The purpose of scenario modelling is not to predict exactly what will happen.
It is to help you understand how different assumptions and decisions may affect an outcome.
The usefulness of any result depends substantially on the accuracy and reasonableness of the information and assumptions used.
You are responsible for reviewing information you enter and deciding whether the assumptions used are appropriate for the scenario you wish to explore.
Where we provide default assumptions, these are provided as starting points for educational modelling.
Default assumptions are not predictions, guarantees or recommendations.
Where practical, True Cost Tools may allow you to change assumptions and compare how different inputs affect the result.
Further information about the assumptions, methodology and limitations of individual tools is available through our Assumptions & Methodology information.
The True Cost of Property is an educational decision tool that allows users to model and compare hypothetical property and capital-allocation scenarios.
Depending on the information entered and scenarios selected, these may include buying property, continuing to own property, renting, rentvesting, selling property and deploying capital differently.
The tool may model outcomes including projected cash flow, net worth and accessible capital from today through to a retirement age selected by the user.
A scenario producing a numerically higher projected net worth, greater cash flow or more accessible capital does not mean that scenario is necessarily the best or most appropriate choice for you.
Financial outcomes are only one part of a decision.
True Cost Tools cannot objectively quantify every personal consideration, including lifestyle preferences, security of tenure, family circumstances, emotional preferences, career plans, risk tolerance, personal attitudes toward debt or the value you place on home ownership, flexibility or access to capital.
The results are information for you to consider — not a recommendation.
True Cost Tools are not a substitute for professional advice.
Depending on the decision you are considering, you may wish to obtain advice from professionals such as a licensed financial adviser, accountant or registered tax agent, solicitor, mortgage broker or other appropriately qualified professional.
Our tools may help you understand different scenarios and identify questions you wish to discuss with those professionals.
They do not replace professional advice based on your complete individual circumstances.
Some True Cost Tools may allow you to request that a result, score, snapshot or report be saved or sent to you by email.
Where you choose to use this functionality, information you enter into the tool and information generated from those inputs may be stored in association with your email address so that we can provide the requested service.
Our handling of this information is governed by our Privacy Policy.
We do not sell your personal information or individual True Cost Tool results.
Third-party technology providers may process or store information on our behalf where necessary to operate our websites, applications, email systems and related services.
Providing an email address to receive a requested result, score, snapshot, report, product access or transactional communication does not, by itself, require you to consent to ongoing marketing communications.
Where you separately consent to receive marketing communications, we may send educational content, product updates and promotional offers from True Cost Tools™, Be You. Get Paid. and/or Connected Freedom Media Pty Ltd.
You may unsubscribe from marketing communications at any time using the unsubscribe facility provided or by contacting us.
We may still send service-related or transactional communications reasonably necessary to provide a product or service you have requested or purchased.
Prices will be displayed in the currency identified on the relevant sales or checkout page.
Payment for paid products is required before access is provided unless otherwise stated.
Payments may be processed by third-party payment providers such as Stripe.
We do not ordinarily receive or store your complete payment card details.
You are responsible for ensuring that information supplied during purchase is accurate and that you are authorised to use the payment method provided.
Unless otherwise expressly stated, your purchase or access to a True Cost Tool is for your personal use only.
You must not, without our prior written permission:
Nothing in this section prevents you from sharing your own results with professional advisers or other people assisting you with your own financial decisions.
Some True Cost Tools may be offered as beta releases.
A beta product is made available while we continue testing and improving its functionality, usability and educational value with real users.
Beta products may contain errors, limitations or functionality that is subsequently modified, improved or removed.
We may update calculations, assumptions, interfaces, features or educational material during a beta period.
Where beta access is offered at a discounted or founding price, any specific conditions applying to that offer will be stated on the relevant sales or checkout page.
We welcome feedback from beta users and may use that feedback to improve current and future True Cost Tools.
Our products and services come with rights and consumer guarantees that may apply under the Australian Consumer Law.
Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded, restricted or modified.
We may also offer voluntary refund guarantees in addition to your statutory rights.
Where a specific guarantee — including the True Cost “Lightbulb Guarantee” — is offered on a sales page, the conditions stated with that offer apply.
A voluntary refund guarantee does not limit any rights you may otherwise have under Australian law.
We take reasonable steps to make True Cost Tools useful, accurate and available.
However, we cannot guarantee that websites, applications or tools will always operate without interruption, technical problems or errors.
Access may occasionally be unavailable due to maintenance, updates, hosting issues, security requirements or circumstances outside our reasonable control.
If we identify an error in a calculation, assumption or other material part of a True Cost Tool, we may correct or update the tool.
Where we consider an identified error likely to have materially affected previously generated results, we may take reasonable steps to notify affected users where practicable.
Unless otherwise stated, content, branding, written materials, reports, educational materials, original methodologies, design elements and original components of True Cost Tools are owned by or licensed to Connected Freedom Media Pty Ltd and are protected by applicable intellectual property laws.
True Cost™, True Cost Tools™ and associated branding may not be used in connection with another product or commercial service without our permission.
Some software, technology, data or other components used within our products may be provided or licensed by third parties and remain the property of their respective owners.
True Cost Tools rely on third-party technology and service providers to operate.
These may include providers of hosting, cloud infrastructure, customer relationship management, email delivery, payment processing, analytics, advertising, security and other technical services.
Our websites, applications and emails may also contain links to third-party websites or services.
Unless expressly stated otherwise, the inclusion of a third-party link does not constitute an endorsement or recommendation.
We are not responsible for the availability, content, security, accuracy or privacy practices of third-party websites or services that we do not control.
We handle personal information in accordance with our Privacy Policy.
Our Privacy Policy explains the types of information we may collect, how we use and disclose it, how information entered into True Cost Tools may be handled and how you can contact us about your personal information.
By using our websites and services, you acknowledge that you have had the opportunity to review our Privacy Policy.
To the maximum extent permitted by law, Connected Freedom Media Pty Ltd is not responsible for losses arising solely because actual future circumstances or outcomes differ from hypothetical scenarios, estimates or projections generated by a True Cost Tool.
You acknowledge that financial and property decisions involve uncertainty and that a mathematical model cannot account for every factor relevant to an individual decision.
You should not rely on a True Cost Tool as the sole basis for a significant financial, property, investment, taxation or legal decision.
Where our liability cannot lawfully be excluded, nothing in these Terms is intended to exclude, restrict or modify that liability or any consumer guarantee, right or remedy available to you under applicable Australian law.
You must not use our websites, applications or tools:
We may restrict or suspend access where we reasonably believe a user is misusing a product or compromising its security or operation.
We may improve, modify or discontinue features, tools or products from time to time.
Where you have purchased access to a specific product, we will take reasonable steps to avoid materially reducing the core functionality you purchased without reasonable justification.
Nothing in this section limits rights you may have under Australian Consumer Law.
We may update these Terms from time to time to reflect changes to our products, technology, business practices or legal obligations.
The current version will be published on our website and will display the date it was last updated.
Where a change materially affects an existing paid service, we may provide additional notice where appropriate.
These Terms are governed by the laws of Queensland, Australia.
You and Connected Freedom Media Pty Ltd submit to the jurisdiction of the courts of Queensland and any courts entitled to hear appeals from them.
Nothing in this section limits any rights you may have under applicable Australian consumer law concerning where proceedings may be brought.
If you have questions about these Terms, please contact:
Connected Freedom Media Pty Ltd
ABN 20 620 654 266
Suite 44140
3/2237 Gold Coast Hwy
Mermaid Beach QLD 4218
Australia
Email: [email protected]