Terms and Conditions

Welcome to Suburb Edge ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website, services, and property investment analysis tools. By accessing or using Suburb Edge, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using Suburb Edge, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

1.1 Legal Capacity

You must be at least 18 years old and have the legal capacity to enter into these Terms. By using our services, you represent and warrant that you meet these requirements.

1.2 Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or prominent website notice. Continued use of our services after changes constitutes acceptance of the updated Terms.

2. Description of Services

Suburb Edge provides the following services:

2.1 Property Investment Analysis

• ROI calculations and projections
• Borrowing capacity assessments
• Property comparison tools
• Market trend analysis
• Investment strategy guidance

2.2 Data and Information Services

• Property market data aggregation
• Historical price trends
• Neighborhood statistics
• Economic indicators
• Investment performance metrics

2.3 Educational Content

• Property investment guides
• Market analysis articles
• Webinars and tutorials
• Newsletter updates

3. User Accounts and Registration

3.1 Account Creation

To access certain features, you must create an account by providing accurate and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Keeping your account information current and accurate

3.2 Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent or illegal activities
• Abuse our services or other users

4. Subscription Services and Payments

4.1 Subscription Plans

Suburb Edge offers the following subscription plans:

• Monthly Plan: $40 AUD per month
• Quarterly Plan: $120 AUD every 3 months
• Annual Plan: $300 AUD per year

4.2 Payment Processing

Payments are processed through our secure payment partner, Whop. By subscribing, you agree to:

• Provide accurate billing information
• Authorize recurring charges according to your chosen plan
• Pay all applicable taxes and fees
• Comply with Whop's terms of service

4.3 Billing and Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled. You will be charged the then-current subscription fee. We will notify you of any price changes in advance.

4.4 Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of the current billing period. We do not offer refunds for partial billing periods, except as required by law.

5. Acceptable Use Policy

5.1 Permitted Uses

You may use Suburb Edge for:

• Personal property investment research
• Educational purposes
• Legitimate business activities
• Sharing information with your professional advisors

5.2 Prohibited Uses

You may not:

• Use our services for illegal or unauthorized purposes
• Reproduce, distribute, or sell our content without permission
• Attempt to reverse engineer or access our systems
• Submit false, misleading, or fraudulent information
• Interfere with or disrupt our services
• Use automated systems to scrape our data
• Resell or redistribute our services
• Violate any applicable laws or regulations

6. Intellectual Property Rights

6.1 Our Intellectual Property

Suburb Edge and all related content, including but not limited to:

• Website design and layout
• Software and algorithms
• Analysis tools and calculators
• Logos, trademarks, and branding
• Educational content and guides

Are owned by us or our licensors and protected by intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use our services for their intended purpose. This license does not permit:

• Commercial redistribution
• Modification or derivative works
• Removal of copyright notices
• Use for competing services

6.3 User Content

You retain ownership of any content you submit to our services. By submitting content, you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with our services.

7. Disclaimers and Limitations

7.1 No Warranty

Our services are provided "as is" without any warranty of any kind. We specifically disclaim:

• Accuracy or completeness of information
• Fitness for a particular purpose
• Merchantability
• Non-infringement
• Uninterrupted or error-free operation

7.2 Data Accuracy

While we strive to provide accurate information, we cannot guarantee:

• Real-time accuracy of property data
• Completeness of market information
• Accuracy of third-party data sources
• Correctness of calculations or projections

7.3 Limitation of Liability

To the maximum extent permitted by law, Suburb Edge shall not be liable for:

• Investment losses or financial damages
• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the amount paid for our services

8. Third-Party Services and Links

8.1 Third-Party Content

Our services may include information from third-party sources. We are not responsible for:

• Accuracy of third-party information
• Third-party website content or policies
• Actions of third-party service providers
• Availability of external services

8.2 Payment Processing

Payments are processed by Whop. Your use of Whop's services is subject to their terms and conditions. We are not responsible for Whop's services or any issues arising from payment processing.

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9.1 Data Security

While we implement security measures to protect your information, no system is completely secure. You acknowledge the inherent risks in transmitting information over the internet.

9.2 Australian Privacy Compliance

We comply with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs) in our handling of personal information.

10. Indemnification

You agree to indemnify and hold harmless Suburb Edge, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any law or regulation
• Your infringement of third-party rights
• Investment decisions based on our information

11. Termination

11.1 Termination by You

You may terminate your account at any time by:

• Cancelling your subscription through account settings
• Contacting our support team
• Ceasing to use our services

11.2 Termination by Us

We may terminate or suspend your account immediately if you:

• Breach these Terms
• Engage in illegal activities
• Pose a security risk
• Fail to pay subscription fees

11.3 Effect of Termination

Upon termination:

• Your access to our services will cease
• We may delete your account data
• Outstanding payment obligations remain
• Survival clauses continue to apply

12. Governing Law and Jurisdiction

12.1 Applicable Law

These Terms are governed by the laws of Australia, without regard to conflict of law principles.

12.2 Jurisdiction

Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Australia.

12.3 Dispute Resolution

Before initiating legal proceedings, parties agree to attempt good faith resolution through:

1. Direct negotiation
2. Mediation (if negotiation fails)
3. Arbitration (if mediation fails)

13. Force Majeure

We shall not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including:

• Natural disasters
• Government actions or regulations
• Internet or telecommunications failures
• Acts of terrorism or war
• Pandemics or public health emergencies

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be replaced with an enforceable provision that most closely reflects our intent.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other referenced policies, constitute the entire agreement between you and Suburb Edge regarding our services.

16. Contact Information

17. Professional Advice Recommendation

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These Terms and Conditions are effective as of September 16, 2025. By using Suburb Edge, you acknowledge that you have read, understood, and agree to be bound by these Terms.