Terms of Use

1. Informational Purpose Only

Affordly provides two types of content: (a) free financial tools — including an affordability calculator, a subscription audit tool, a rent vs buy calculator, and a budget builder — that generate estimates based on information you enter, and (b) editorial articles and insights published on the Affordly Insights section of the site.

Both the calculator results and all editorial content are provided for general informational purposes only. Nothing on Affordly constitutes financial, legal, tax, investment, or professional advice of any kind.

You should consider seeking advice from a qualified financial adviser, accountant, or other licensed professional before making any financial decision.

2. Editorial Content

The articles, guides, and commentary published in Affordly Insights are written to provide general financial education for Australian readers. All figures, statistics, and examples used in articles are approximate, sourced from publicly available information, and may not reflect current market conditions at the time you read them.

Affordly makes no representations or warranties regarding the accuracy, completeness, or timeliness of any editorial content. Financial markets, property prices, interest rates, and other figures change frequently. You should independently verify any information before relying on it.

3. Accuracy of Calculator Results

Affordly's calculators and tools rely entirely on the information you provide. If information entered is incomplete or inaccurate, results will also be inaccurate. We make no guarantees regarding the accuracy, reliability, or completeness of any tool output.

The rent vs buy calculator also relies on regulatory data — including stamp duty rates, first home buyer concession thresholds, First Home Owner Grant amounts, First Home Guarantee price caps, and LMI premium estimates — that is sourced from Australian state and federal government publications and reviewed periodically. This data may not reflect the most recent legislative changes at the time you use the tool. You should independently verify any regulatory figures with the relevant authority before relying on them.

4. User Responsibility

You are solely responsible for how you interpret and use any content, results, or information obtained from Affordly. Financial decisions should not rely solely on automated calculations or general editorial content.

5. Intellectual Property

All content on Affordly — including but not limited to articles, calculator logic, design, copy, and graphics — is the property of Affordly and is protected by Australian copyright law. You may not reproduce, republish, or redistribute any content without prior written permission.

6. External Links

Affordly may link to third-party websites or sources for reference. These links are provided for convenience only. Affordly does not endorse, control, or accept responsibility for the content of any external site.

7. Limitation of Liability

To the fullest extent permitted by law, Affordly and its creators will not be liable for any loss, damage, or financial outcomes resulting from use of the calculator, reliance on any editorial content, or any other use of this website.

8. Changes to the Service

Affordly may modify, add to, or discontinue any part of the service — including any calculator, tool, or editorial content — at any time without notice.