Terms & Conditions
Last updated: 02/04/2026
1. Acceptance of Terms
By accessing and using Smart Property Tools (smartpropertytools.com.au), you accept and agree to be bound by these Terms & Conditions. If you do not agree, please do not use this site.
2. No Financial Advice
IMPORTANT: Smart Property Tools provides general information and calculators only. We are NOT a financial adviser, credit licensee, tax agent, or legal adviser. Nothing on this site constitutes financial, tax, credit, or legal advice.
Our calculators are estimators based on published government rates and standard formulas. They do not account for your personal circumstances, preferences, or constraints.
Always consult a licensed professional (mortgage broker, financial adviser, tax agent, or lawyer) before making any financial decisions.
3. Disclaimer of Accuracy
While we strive for accuracy, we do not guarantee that:
- All information is accurate, up-to-date, or complete
- Calculator results are error-free or apply to your situation
- Government rates, taxes, or thresholds have not changed
- Links to external sites are accurate or current
You use our calculators at your own risk. We recommend verifying results with official sources (ATO, state revenue offices, your lender) before relying on them.
4. Limitation of Liability
To the maximum extent permitted by law, Smart Property Tools and its owners, staff, and partners are not liable for any:
- Direct or indirect loss, damage, or expense arising from your use of this site
- Loss of profit, revenue, or business opportunity
- Inaccuracy or incompleteness of information or calculator results
- Financial decisions made based on our calculators
- Third-party services or partner conduct
- Technical errors, system downtime, or security breaches
This applies even if we have been advised of the possibility of such loss or damage.
5. Acceptable Use
You agree not to:
- Use the site for any illegal purpose or in violation of any laws
- Attempt to gain unauthorized access to our systems
- Transmit malware, viruses, or disruptive code
- Scrape, crawl, or automate access to our site without permission
- Harass, abuse, or threaten other users or staff
- Publish false, defamatory, or misleading content
- Infringe on intellectual property rights
6. Intellectual Property
All content on Smart Property Tools (including text, graphics, logos, images, calculator code) is the intellectual property of Smart Property Tools or its licensors and is protected by copyright and other laws.
You may view and print pages for personal, non-commercial use only. You may not reproduce, distribute, or transmit content without our written permission.
7. Third-Party Links
Our site may contain links to external websites (ATO, government agencies, partner sites). We are not responsible for the content, accuracy, or practices of these sites. Your use of linked sites is at your own risk and subject to their terms.
8. Referral Fees
Smart Property Tools receives referral fees when you are introduced to mortgage brokers, buyers agents, or other financial professionals through our lead capture forms.
This does not cost you extra and does not influence the accuracy of our calculators. We are transparent about this arrangement in our Privacy Policy and on every lead form.
9. Lead Capture Forms
When you submit your details through a lead capture form, you:
- Consent to be contacted by our partner professionals
- Consent to your information being shared with mortgage brokers, buyers agents, or other advisers
- Acknowledge that Smart Property Tools receives a referral fee
- Agree to the partner's terms and privacy practices
You can opt out of contact at any time by replying "unsubscribe" to any partner communications or by contacting us.
10. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING:
- Warranty of merchantability
- Warranty of fitness for a particular purpose
- Warranty of non-infringement
- Warranty of title
We do not warrant that the site will be uninterrupted, error-free, or secure.
11. Indemnification
You agree to indemnify, defend, and hold harmless Smart Property Tools and its owners, staff, and partners from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from your use of the site or violation of these terms.
12. Termination of Access
We reserve the right to terminate or restrict your access to the site at any time, without notice, if we believe you have violated these terms or engaged in illegal activity.
13. Changes to These Terms
We may update these Terms & Conditions at any time. Material changes will be noted by updating the "Last updated" date above. Your continued use of the site constitutes acceptance of the updated terms.
14. Governing Law
These Terms & Conditions are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of NSW.
15. Contact Us
If you have questions about these Terms & Conditions, please contact: