Terms of Use

About the gameplans.com.au website

This is a website operated and managed by gameplans.com.au (ABN 33254590463) (referred to in these Terms of Use as “gameplans.com.au”) under the domain name “www.gameplans.com.au” (“gameplans.com.au website”). Your use of and access to the gameplans.com.au website is governed by these Terms of Use, the Privacy and Security Statement, notices, disclaimers and other terms and conditions contained on the gameplans.com.au website (referred to collectively as “the Terms and Conditions”).

Use of the gameplans.com.au website

By using the gameplans.com.au website you agree to the Terms and Conditions. You agree that you are responsible and liable for your use of the gameplans.com.au website. If you have signed up for the gameplans.com.au website, you must keep your account details and password safe and secure and free from unauthorised use and disclosure at all times. You are responsible and liable for any use of the gameplans.com.au website by anyone using your account details and password, even where that use is unauthorised or without your knowledge. You may use the information available on the gameplans.com.au website for your personal reference only.

Links to other websites

The gameplans.com.au website may contain links to other websites operated by third parties ("Third Party websites"). gameplans.com.au does not endorse, or approve of the operators of Third Party websites or the information contained on them, and makes no warranties or representations regarding the information and material on those Third Party websites ("Third Party Material"). All offers and statements relating to goods and services available on Third Party websites are the responsibility of and given by the Third Party website operator.

Third party services

Some services as indicated on the gameplans.com.au website are provided by third parties. These services may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, gameplans.com.au accept no liability in respect of such third party services and provide no warranty and give no endorsement in respect of such services or any party connected with them. We do, however, welcome your feedback or suggestions concerning these services.

Third party data

The property data used by gameplans.com.au and displayed on the gameplans.com.au website is sourced from one or more third parties. No warranty or representation is made by gameplans.com.au regarding the accuracy or completeness of the property data.

gameplans.com.au price predictions

gameplans.com.au provides predictions of sale prices. gameplans.com.au price predictions are based on a range of data sources which are subject to availability at the time and as such predictions may not be available for all property plans. gameplans.com.au price predictions are a guide of potential sale price. gameplans.com.au price predictions are not a bank valuation. No property has been inspected for this purpose.

Disclaimers

While we make every effort to ensure that information is as accurate as possible, gameplans.com.au do not warrant the accuracy, adequacy or completeness of information on this website. All information is subject to change without notice. gameplans.com.au recommends that you undertake your own investigations before making or accepting an offer. gameplans.com.au does not guarantee that the gameplans.com.au website or Third Party websites will be free from viruses, or that access will be uninterrupted or error free.

Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, gameplans.com.au have no liability to you or any other person or body corporate for any losses, damages, liabilities, claims and expenses arising out of, in connection or referable to, the supply or use of the whole or any part of the material or information on the gameplans.com.au website or any Third Party Material, whether such liability arises in contract, tort including negligence, statute or otherwise.

Termination

Your access to the gameplans.com.au website may be terminated or suspended at any time by gameplans.com.au without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by gameplans.com.au will survive termination, however, you will no longer be authorised to access the gameplans.com.au website.

Jurisdiction

The law applicable to use of the gameplans.com.au website is the law of the State of Victoria, Australia.

Property as an investment

Property is generally a relatively illiquid asset class and it is often difficult to gain access to funds quickly if the asset needs to be sold. While the ownership of property with a reasonable rental yield can assist with expected holding costs, residential property can also incur unexpected repairs costs and there may also be periods where the property is vacant, and no rental income is received. For the above reasons, we consider that property is generally most effective as a long-term investment (minimum 10 years), with time in the market allowing both the rental income and the market value of the property time to grow and compound in a tax-efficient manner. Therefore, it is also considered important to maintain a reasonable cash buffer in case of unforeseen repairs costs or vacancy periods. Buying property with the potential to renovate or develop can be the most effective strategy and use of your borrowing capacity.

Licensing

gameplans.com.au do not operate as licensed financial advisers. This document considers specific recommendations for property market strategies only. Where appropriate or necessary we recommend that you seek the appropriate advice of a financial adviser. We do not accept liability for financial decisions made by you.

Returns

Please note that the future returns from property investment are unknown, and past performance is no guarantee of future results. All forms of investment involve risk and may incur loss. We accept no responsibility for losses incurred from investment strategies undertaken by you. We accept no responsibility for projections in this report and assumptions relating thereto.

Risks of investment property

There are risks related to the acquisition and sale of investment property, and you purchase or sell investment property at your own risk. We base our opinions and recommendations on known comparable sales and market trends that exist at the time of preparing this document and do not make any financial guarantees. You should seek and be satisfied with your own legal and financial advice and carry out any other research necessary before making financial decisions. No representation, guarantee, warranty etc. We make no representation, guarantee, warranty, promises or undertaking as to the: (i) suitability of any properties purchased or sold by you; or (ii) any financial viability or guarantee in respect of your property purchases or sales. You should make your own enquiries before any property purchases or sales, including obtaining the appropriate legal and financial advice. To the maximum extent allowable by law, we, our agents, and employees will not be liable for any loss or damage suffered or incurred by you in relation to any property purchase or sale.

Retention of information

You have provided us with your information and have granted us permission to retain the information on our files and provide details as required to product issuers.

Legislative changes

There may be future and unforeseen legislative changes that have a negative impact on property and/or other investment classes.

Forecasting assumptions

Our forecasts assume no major macro events materially affecting residential property markets and no major economic shocks.

Mortgage advice

We do not act as licensed mortgage advisors. We recommend you seek advice from a licensed mortgage advisor before proceeding.

Copyright and trademark

Copyright in the material on the gameplans.com.au website is owned or licensed by gameplans.com.au (ABN 33254590463). Except where necessary for viewing this website on your browser, or as expressly permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no material on the gameplans.com.au website (or any part of it) may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of gameplans.com.au. gameplans.com.au will not be responsible for any loss or damage arising from any of the above acts which are not authorised by gameplans.com.au. "gameplans.com.au.com" is a trademark of gameplans.com.au (ABN 33254590463).

Linking to the gameplans.com.au website

Please Contact us if you would like to place a link to any part of the gameplans.com.au website.

Acceptance and changes to terms of use

You acknowledge and accept that your use of the gameplans.com.au website indicates your acceptance of the Terms and Conditions. These are the current Terms of Use and they replace any other terms of use for the gameplans.com.au website. gameplans.com.au may at any time vary the Terms and Conditions (including these Terms of Use) by publishing the varied terms of use on the gameplans.com.au website and you agree to continue to be bound by the Terms and Conditions as varied. You accept that by doing this, gameplans.com.au has provided you with sufficient notice of the variation. gameplans.com.au reserves any rights not expressly granted in the Terms and Conditions.