Terms & Conditions
Last updated: 21 July 2026
1. Acceptance of Terms
By accessing and using Own It Sooner ("the Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Service.
2. Description of Service
Own It Sooner is a mortgage calculator tool that helps users visualise loan amortization, track extra payments, and estimate potential interest savings. The Service is provided for informational and educational purposes only.
3. Disclaimer
The calculations and information provided by Own It Sooner are estimates only and should not be considered as financial advice. We make no guarantees about the accuracy, completeness, or reliability of any calculations or information provided. Calculations do not include tax and/or other fees and charges that may be included in your mortgage.
You should consult with a qualified financial advisor, mortgage broker, or lender before making any financial decisions based on information from this Service.
4. User Accounts
Some features of the Service may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
5. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorised access to the Service or its systems
- Interfere with or disrupt the Service's operation
- Use automated systems to access the Service without permission
6. Intellectual Property
All content, features, and functionality of the Service, including but not limited to text, graphics, logos, and software, are owned by Own It Sooner and are protected by intellectual property laws.
7. Limitation of Liability
To the fullest extent permitted by law, Own It Sooner shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
8. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on this page with a new "Last updated" date.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Australia, without regard to its conflict of law provisions.
10. Contact
If you have any questions about these Terms, please contact us through our website.