Terms of Use

Acceptance

By accessing or using LoanMetric, you agree to be bound by these Terms of Use. If you do not agree, you must not use the website.

Service Description

LoanMetric provides online calculators and general information relating to loans, borrowing scenarios, investment property tax impact estimates, and take-home pay estimates.

The service is designed for educational and illustrative purposes only.

No Financial or Credit Advice

LoanMetric does not provide:

• Personal financial advice
• Tax advice
• Credit assistance
• Lending recommendations

Nothing on this website constitutes financial product advice within the meaning of the Corporations Act 2001 (Cth), nor credit assistance under the National Consumer Credit Protection Act 2009 (Cth).

You should obtain independent advice from a qualified financial adviser, tax professional, mortgage broker, lender, or accountant before making financial decisions.

Assumptions and Estimates

All calculations are based on the information you enter and the assumptions built into the calculator at the time of use.

Results are estimates only and may not reflect:

• Actual lender assessment criteria
• Serviceability buffers
• Policy changes
• Individual tax circumstances
• Fees, charges, or rate variations

Calculator logic and assumptions may change over time without notice.

Accuracy and Availability

We aim to keep calculations and content accurate and up to date. However, we do not guarantee:

• Continuous or uninterrupted availability
• That calculations are error-free
• That information is complete or current

We may modify, suspend, or discontinue features at any time without notice.

User Responsibilities

You are responsible for:

• Verifying loan terms, rates, fees, and policies directly with lenders
• Confirming tax outcomes with the Australian Taxation Office (ATO) or a tax professional
• Ensuring income and expense inputs are accurate
• Making your own independent financial decisions

LoanMetric does not verify the accuracy of information you enter.

Acceptable Use

You agree not to:

• Use the service for unlawful purposes
• Attempt to interfere with or disrupt the website
• Reverse-engineer or copy calculator logic
• Use automated systems to scrape or extract data without permission

We may restrict access if misuse is detected.

Third-Party Services and Data

LoanMetric may rely on third-party providers for hosting, analytics, monitoring, or data inputs.

We are not responsible for inaccuracies, delays, or outages caused by third-party services.

Intellectual Property

All content, calculator logic, branding, design, and materials on LoanMetric are owned by or licensed to us.

You may use the website for personal, non-commercial purposes only.

Limitation of Liability

To the maximum extent permitted by law, LoanMetric is not liable for:

• Losses arising from reliance on calculator estimates
• Financial decisions made based on website content
• Data delays or inaccuracies
• Service interruptions or technical failures

Nothing in these Terms excludes liability that cannot be excluded under Australian law.

Indemnity

You agree to indemnify LoanMetric against claims, losses, or damages arising from your misuse of the website or breach of these Terms.

Changes to These Terms

We may update these Terms from time to time. The latest version will always be published on this page with the updated effective date.

Governing Law

These Terms are governed by the laws of New South Wales, Australia.

Contact

For questions regarding these Terms, please use the contact form on our Contact page.