Terms of Service

Portfolio Foundations is operated by Foundation First Buyers Agency Pty Ltd. In these terms, “Portfolio Foundations”, “we”, “us” and “our” refer to Foundation First Buyers Agency Pty Ltd and the Portfolio Foundations application it operates.

You can contact us about these terms at info@portfoliofoundations.com.au.

Portfolio Foundations is provided on an ongoing basis. As with any software:

• it may contain bugs, errors, incomplete features and inaccurate inputs or outputs
• features may be unavailable, change, or be added or removed at any time
• your access may be changed, suspended or ended at any time, with or without notice

You should not rely on the service being available, complete or error-free, and you should keep your own records of anything important.

Portfolio Foundations is property portfolio modelling and client reporting software. It provides:

• property portfolio modelling
• scenario comparison
• a Strategy Builder for modelling strategy moves
• Strategy Snapshot reports
• client workspace support for buyer's agents

All outputs are modelled planning estimates based on the assumptions entered. They are not a prediction, guarantee or recommendation.

Portfolio Foundations does not provide financial advice, tax advice, legal advice, credit advice, lending advice, lending approval, investment recommendations, or a recommendation to buy, sell, hold, renovate, refinance or acquire property.

Portfolio Foundations provides factual modelling and planning information only. It is not a substitute for advice from a qualified professional. See our Disclaimer for more detail.

• You are responsible for the accuracy and completeness of the information and assumptions you enter.
• You must check the assumptions used and confirm that they are appropriate for your situation.
• You must engage qualified professionals (such as a broker, accountant, solicitor, financial adviser or lender) where needed.
• You must not rely on Portfolio Foundations outputs as the sole basis for any decision.

• If you enter information about a client, you confirm you have that client's permission or authority to do so.
• You must not enter information you are not authorised to collect, hold or use.
• You are responsible for how you prepare and share Strategy Snapshots with clients, and for presenting outputs as modelled planning estimates.
• You must not remove, hide or alter disclaimers on exported or printed reports.

• Client workspaces you create are stored securely in our cloud database under your account and are available across your devices.
• You remain responsible for the accuracy of the client information you enter and for keeping your own independent records of client reports where needed.

• Paid plans are subscriptions billed in Australian dollars at the price and interval shown before checkout.
• Payments, invoices, payment methods and subscription changes are processed by Stripe under its own terms and privacy practices.
• If a trial is offered, its duration and the date charging begins are shown before checkout. Unless you cancel before the trial ends, the paid subscription starts automatically.
• You can change or cancel a subscription through the billing portal. Cancellation takes effect at the end of the current paid billing period unless checkout or the billing portal states otherwise.
• Plan changes may be prorated by Stripe. Taxes or other charges will be shown where applicable.

Except where required by the Australian Consumer Law or another applicable law, fees already paid are not refundable merely because you stop using the service before the end of a billing period. Contact info@portfoliofoundations.com.au if you believe a charge is incorrect.

You must use Portfolio Foundations lawfully and responsibly. Full guidelines are set out in our Acceptable Use policy, which forms part of these terms. Among other things, you must not misuse the service, present outputs as guaranteed or approved, remove disclaimers, or interfere with the service.

• The Portfolio Foundations application, design, report formats, software and branding are owned by or licensed to us.
• You own, or are responsible for, the data and information you enter.
• You are granted a limited, non-exclusive, non-transferable right to access and use Portfolio Foundations for its intended purpose.
• You must not copy, resell, reverse engineer or create derivative products from Portfolio Foundations except as permitted by law.

Portfolio Foundations may be unavailable, interrupted or changed at any time. Features may be added, modified or removed. We do not guarantee uninterrupted or error-free access, and we may perform maintenance or updates without notice.

Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you may have under the Australian Consumer Law or other laws that cannot lawfully be excluded, restricted or modified.

To the maximum extent permitted by law, Portfolio Foundations is provided on an “as is” and “as available” basis, and we are not liable for any loss or damage arising from your use of, or reliance on, Portfolio Foundations or its outputs, including decisions made based on modelled estimates. Where our liability cannot be excluded but can be limited, our liability is limited to the maximum extent permitted by law.

We may suspend or end your access to Portfolio Foundations at any time, including for misuse, breach of these terms, a security risk, or on closure or discontinuation of the service. You may stop using Portfolio Foundations at any time. Some provisions (including intellectual property, disclaimers and liability) survive termination.

These terms are governed by the laws of Victoria, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state and the Commonwealth of Australia.

We may update these terms from time to time. If we make material changes, we may ask you to accept the updated terms before continuing to use Portfolio Foundations. Continued use after an update means you accept the updated terms.