AI & Financial Disclaimer

HOMR Pty Ltd (ABN pending) is not a licensed financial adviser, financial planner, mortgage broker, property valuer, or investment adviser under Australian law.

All information provided on this platform — including but not limited to rental yield estimates, capital growth projections, investment scores, suburb comparisons, and market analysis — is general information only and does not constitute personal financial advice, property valuation, or an investment recommendation.

This information has not been prepared with regard to your individual financial situation, objectives, or needs. Before making any property investment decision, you should:

• Seek independent financial advice from a licensed financial adviser (AFSL holder)
• Obtain a formal property valuation from a registered valuer
• Seek independent legal advice regarding contracts and transactions
• Conduct your own due diligence on any property
• Consider your own financial circumstances, objectives, and risk tolerance

HOMR uses artificial intelligence (AI) and large language models (LLMs) to generate property analysis, suburb insights, and investment commentary. You should be aware that:

• AI can make errors. AI-generated content may contain inaccuracies, outdated information, or incorrect analysis. Always verify AI outputs independently.
• Projections are not predictions. Any forward-looking statements about property values, rental yields, or capital growth are based on historical data and statistical models. Past performance does not guarantee future results.
• AI does not know your circumstances. The AI does not have access to your complete financial situation and cannot provide personalised advice.
• Data may be incomplete. Property data is sourced from third parties and may not reflect the most current market conditions, recent sales, or property modifications.

HOMR aggregates data from multiple third-party sources to provide property intelligence. While we endeavour to ensure data accuracy, we do not guarantee the completeness, accuracy, reliability, or timeliness of any data displayed on the platform.

Data sources include:

• GNAF (Geocoded National Address File) — Australian address data, licensed under the End User Licence Agreement by Geoscape Australia
• Overture Maps Foundation — Points of interest and geographic features, provided under the CDLA Permissive 2.0 and ODbL licences
• OpenStreetMap — Geographic data, provided under the Open Data Commons Open Database Licence (ODbL)
• Australian Bureau of Statistics (ABS) — Statistical area boundaries and demographic data, provided under Creative Commons Attribution 4.0
• ACARA — School information and ratings, sourced from public data published by the Australian Curriculum, Assessment and Reporting Authority
• State Government Data — Planning zones, hazard maps, and environmental data from Queensland, NSW, and Victorian government open data portals
• Real estate agencies — Property listing data sourced from publicly listed agency websites

Each data source is subject to its own terms, licences, and update schedules. HOMR is not responsible for errors or omissions in third-party data.

To the maximum extent permitted by Australian law (including the Australian Consumer Law under Schedule 2 of the Competition and Consumer Act 2010):

• HOMR excludes all liability for any loss, damage, or expense arising from the use of or reliance on information provided on this platform, including AI-generated analysis.
• HOMR is not liable for any decision made or action taken by you based on information available on this platform.
• HOMR is not responsible for the conduct, services, or advice provided by any real estate agent, agency, or other third party you connect with through this platform.
• HOMR's total aggregate liability for any claim is limited to the amount you paid to HOMR in the 12 months preceding the claim, or AUD $100, whichever is greater.

Nothing in this disclaimer excludes or limits liability that cannot be excluded or limited under Australian Consumer Law, including guarantees relating to the supply of services.

HOMR connects property buyers with real estate agents and agencies. HOMR does not:

• Employ, control, or direct any real estate agent or agency
• Verify the accuracy of property listings or agent claims
• Guarantee the quality of service provided by any agent
• Act as a party to any property transaction
• Provide escrow, conveyancing, or settlement services

All interactions with real estate agents are between you and the agent/agency directly. HOMR is a technology platform that facilitates discovery and connection only.