1. Introduction

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These Terms of Service ("Terms") govern your use of services provided by Homeowner Now Pty Ltd ("Homeowner Now," "we," "our," or "us") through www.homeownernow.com.au and our related services. We specialise in helping Australians prepare for homeownership using innovative property solutions.

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2. Definitions

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• "Services" means our homeownership readiness assessment, and facilitation services
• "Client" or "you" refers to any individual using our Services
• "Property Professional" means real estate agents, mortgage brokers, financial advisors, and other relevant professionals
• "Assessment" means our evaluation of your homeownership readiness
• "Personal Information" has the meaning given in the Privacy Act 1988 (Cth)

3. Our Services

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3.1 Core Services

We provide:

• Homeownership readiness assessments
• Financial capability evaluations
• Property market guidance
• Connection to Property Professionals & Finance Channel Partners
• Educational resources about homeownership
• Ongoing support throughout the home buying journey

3.2 Service Limitations

We do not:

• Provide financial advice as defined in the Corporations Act 2001 (Cth)
• Act as a credit provider under the National Consumer Credit Protection Act 2009
• Guarantee loan approval or property purchase outcomes
• Act as real estate agents under state Real Estate and Business Agents Acts
• Provide legal advice or conveyancing services

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4. Client Obligations

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4.1 Information Provision

You must:

• Provide accurate financial and personal information
• Update information if circumstances change
• Disclose relevant factors affecting homeownership capacity
• Respond to reasonable requests for additional information
• Maintain accurate contact details

4.2 Engagement Requirements

You agree to:

• Participate in assessment processes
• Complete required forms and surveys
• Attend scheduled consultations
• Engage honestly with Property Professionals & Finance Professionals
• Follow recommended steps toward homeownership

5. Assessment Process

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5.1 Initial Assessment

We will:

• Review your financial situation
• Assess your homeownership readiness
• Identify areas for purchasing
• Provide guidance on the property purchase process
• Connect you with relevant Property Professionals & Financial Partners

5.2 Ongoing Assessment

We may:

• Monitor your progress
• Update recommendations
• Adjust your homeownership pathway
• Request updated information
• Modify connection services

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6. Professional Connections

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6.1 Referral Services

We may connect you with:

• Mortgage brokers
• Real estate agents
• Residential home builders
• Financial advisors
• Property developers
• Investment funds
• Other relevant professionals
• Construction and building companies

6.2 Referral Disclosures

We:

• May receive referral fees & upfront fees for your data and conversion
• Have commercial relationships with partners
• Do not guarantee professional services
• Are not responsible for third-party advice or liability
• Disclose relevant commercial arrangements
• We do not guarantee anything and you should seek your own financial advice when considering to utilise one of our platform partners services, including but not limited to investment services, residential builds or use of buyers agents.

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7. Fees and Charges

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7.1 Service Fees

• Assessment fees as quoted
• Connection service fees if applicable
• Additional service fees as advised
• GST inclusive pricing
• Payment terms as specified

7.2 Third-Party Fees

You acknowledge:

• Professional service fees are separate
• Property purchase costs are additional
• Government fees and charges apply
• Insurance costs are separate
• Other costs may be incurred

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8. Privacy and Data

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8.1 Information Handling

We comply with:

• Privacy Act 1988 (Cth)
• Australian Privacy Principles
• Credit Reporting Privacy Code
• Spam Act 2003
• Do Not Call Register Act 2006

8.2 Information Sharing

We may share information with:

• Property Professionals
• Financial institutions
• Credit reporting bodies
• Government agencies
• Other relevant parties

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9. Compliance with Laws

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9.1 Regulatory Framework

We operate under:

• National Consumer Credit Protection Act 2009
• Australian Consumer Law
• State and Territory property laws
• Anti-Money Laundering and Counter-Terrorism Financing Act 2006
• Real Estate and Business Agents Acts

9.2 Professional Standards

We maintain:

• Required licenses and registrations
• Professional indemnity insurance
• Staff training and compliance
• Quality assurance processes
• Complaint handling procedures

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10. Disclaimers and Limitations

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10.1 Service Disclaimers

• Outcomes not guaranteed
• Property values may change
• Lending criteria may vary
• Market conditions fluctuate
• Individual circumstances affect results

10.2 Australian Consumer Law

Nothing in these Terms restricts:

• Statutory guarantees
• Consumer protections
• Mandatory warranties
• Legal rights
• Access to remedies

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11. Termination

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11.1 Termination Rights

We may terminate services if:

• Information provided is false
• Engagement requirements not met
• Fees remain unpaid
• Laws or regulations require
• Services are no longer suitable

11.2 Effect of Termination

Upon termination:

• Outstanding fees remain payable
• Information sharing continues as permitted
• Referral relationships may continue
• Records retained as required
• Refunds assessed per policy

12. Disputes and Complaints

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12.1 Internal Resolution

• Written complaint submission
• 30-day response timeframe
• Internal review process
• Resolution proposals
• Appeal rights

12.2 External Resolution

Access to:

• Australian Financial Complaints Authority (if applicable)
• State/Territory consumer protection offices
• Office of the Australian Information Commissioner
• Courts and tribunals
• Industry ombudsman services

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13. Contact Details

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As follows:

Homeowner Now Pty Ltd
Phone: (07) 2112 8422
Email: support@homeownernow.com.au
Website: www.homeownernow.com.au

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14. Acknowledgment

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By using our Services, you acknowledge these Terms and understand our role in facilitating your journey to homeownership.

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