BrickOutlook is operated by Fat Dog Labs Pty Ltd (we, us and our).
These terms cover our calculators, guides, downloadable materials and other website features. Read them alongside the calculation assumptions and privacy policy. If you do not accept these terms, do not use the service.
A modelling tool, not an advisory service
BrickOutlook supplies general information and mathematical scenarios. It does not assess your objectives, financial situation, borrowing capacity or needs. Use does not establish an adviser, broker, fiduciary, agency or professional-client relationship with us.
Nothing on the site is personal financial, investment, credit, legal or tax advice, a property valuation, an offer of finance, or a recommendation to acquire, retain or dispose of an investment. A comparison, checklist, insight or result is not an endorsement, suitability assessment or prediction.
Your inputs and decisions
You are responsible for checking your inputs, selecting appropriate assumptions and independently verifying results before acting. Check the applicable law, lender terms, professional advice and source documents for your transaction. Do not use this site as the sole basis for a purchase, loan, refinance, tax return or grant application.
Results depend on simplified models. They may omit costs, timing differences, eligibility conditions and features of your loan or property. Blank fields may count as zero without confirming that no cost exists. Examples, default values, historical returns and forecasts do not guarantee future performance. Tax estimates do not establish a deduction or entitlement. The site does not automatically award grants or stamp-duty concessions.
Information can become outdated between reviews. We do not undertake to monitor your circumstances, update a saved scenario, notify you individually of changes, or verify material supplied by you or third parties. Your investment, financing and application decisions remain yours.
Business and professional use
You may use the tools to support your own work, but you remain responsible for any advice, representation or report you give another person, including applicable licensing and professional obligations. Independently validate outputs, disclose material assumptions and identify any changes you make. Do not present a BrickOutlook result as our advice, approval, certification or guarantee.
Permission to use the site
We grant you a non-exclusive permission to use the site for lawful personal or internal business purposes and to download and share your own results, subject to these terms. Keep relevant assumptions and limitations with shared results. Your own information remains yours.
Except for your information and third-party material, the site software, original content, design and branding are owned by us or used under licence. This permission does not allow you to republish our guides, redistribute our software, sell access to the site, or reproduce substantial parts of it as a competing service without written permission. Statutory exceptions and any applicable open-source licences remain available. Ordinary links to public pages and lawful search-engine indexing are permitted.
Misuse and access restrictions
Do not bypass access controls, exploit vulnerabilities, introduce malicious code, interfere with other visitors, impersonate us, infringe another person's rights or use automation that materially disrupts the service. Use of browser-assistant features does not authorise these activities.
We may restrict access where reasonably necessary to address suspected misuse, security risks or legal obligations. Where practicable, we will explain a restriction and allow a genuine mistake to be corrected. Immediate action may be necessary to prevent harm. Restrictions do not remove rights or remedies you already have.
Availability, saving and exports
This is not a records-storage or backup service. We do not promise uninterrupted availability, compatibility with every browser or extension, or permanent availability of a feature. We may maintain, correct, replace or withdraw free features for operational, security, legal or commercial reasons, with advance notice of material planned withdrawals where reasonably practicable.
Browser records may be lost through cleared storage, private browsing, device changes or browser settings. Keep exported backups and check that they contain what you need. We cannot recover records held only on your device. Share links contain a snapshot, not a live or revocable record. You are responsible for deciding who receives links and exported files and for securing those copies.
External services and commercial relationships
Links to government sources and other providers are for reference. We do not control external content, availability, eligibility decisions or services. Any agreement you enter with a lender, broker, agent or other provider is with that provider. A listing or paid placement does not mean we have assessed a provider's suitability for you.
There are no active paid placements or referral arrangements in this version. If introduced, commercial placements will be identified. We may receive advertising or referral revenue, but a future arrangement does not authorise us to send your personal information to a provider without the notice and permission required by law. Future paid services will have their price and relevant terms disclosed before you agree to pay.
Responsibility and limits
Nothing in these terms excludes, restricts or modifies a consumer guarantee, statutory remedy, privacy right or other protection that cannot lawfully be excluded, including under the Australian Consumer Law.
Subject to those protections, we give no additional warranty that information is complete, continuously current or suitable for a particular transaction, or that an assumed investment outcome will occur. These statements do not excuse misleading conduct or override an express commitment we make.
To the extent permitted by law, we are not liable for loss caused by incorrect inputs, unsupported assumptions, market movements, a third party's independent acts, your failure to retain backups or use outside the stated purpose of the service, except to the extent our breach, negligence or other wrongful conduct causes or contributes to that loss.
To the extent permitted by law, neither party is liable to the other for loss that was not reasonably foreseeable as a consequence of its breach. This does not exclude reasonably foreseeable loss merely because it involves profit, an investment, data or a business opportunity. No exclusion in these terms applies to fraud, wilful misconduct or liability the law does not permit us to exclude.
Claims arising from deliberate misuse
If your fraud, deliberate unlawful use or knowing infringement of another person's rights through the site causes a third-party claim against us, you must reimburse our reasonable, evidenced losses and external legal costs to the extent directly caused by that conduct. This does not cover ordinary mistakes, lawful use, or any contribution by our breach, negligence or misconduct.
We must take reasonable steps to reduce those losses, notify you promptly where lawful, and allow you a reasonable opportunity to respond. We will not settle a claim in a way that imposes an admission or non-monetary obligation on you without your consent. These requirements do not expand liability beyond what the law permits.
Changes and disputes
Updated terms will show their revision date. Material changes will be brought to visitors' attention on the site before taking effect where reasonably practicable, except where an urgent legal or security change is needed. Changes apply prospectively and do not alter an existing claim or an agreed paid service retrospectively. You can stop using the free service at any time.
Please contact us about a dispute so we can consider a resolution. This is not a condition of seeking urgent relief, contacting a regulator or exercising a statutory right. Mandatory laws and rights of access to courts or tribunals remain unaffected. An unenforceable provision is severed only to the extent necessary; the remainder continues to operate.
Contact
Address legal or privacy enquiries to Fat Dog Labs Pty Ltd.
legal@example.com
Placeholder only. This address is not monitored and cannot receive enquiries.
Our dedicated contact address is being set up.