TERMS OF SERVICE

1. Introduction and Agreement

1.1 About These Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and House And Land Packages Pty Ltd (ABN 92 631 641 408) ("HALP", "we", "us", or "our"). By accessing or using any of our websites, platforms, or services, you agree to be bound by these Terms.

For Advertisers, these Terms also include the Listing Agreement, which is incorporated by reference. In the event of any inconsistency between these Terms and the Listing Agreement regarding listing specifics, the Listing Agreement prevails.

1.2 Our Platforms

These Terms apply to all HALP platforms including www.halp.com.au, www.boutiquedevelopments.com.au, associated mobile apps and related websites in our network.

1.3 Acceptance of Terms

By accessing or using our services, you acknowledge you have read and understood these Terms, agree to be bound by them and our Privacy Policy, represent you are at least 18, and have authority to enter into this agreement.

1.4 Changes to Terms

We may modify these Terms at any time. We will update the "Last Updated" date, notify registered users by email, and prominently display material changes.

2. Description of Services

HALP operates property discovery and business directory platforms — property listings, off-the-plan info, developments, boutique/luxury showcases, school-zone integration, calculators, mortgage broker connections, market insights, and enhanced advertiser visibility. HALP is an information and advertising platform — not a real estate agent, developer, builder or financial advisor.

Lead Routing: Property listing inquiries go directly to the listing agent, developer or builder. HALP does not store or access these inquiries. Platform inquiries (Contact Us, Join Us, Advertise With Us) are managed by HALP.

No Agency Relationship: HALP does not act as your agent, provide property/financial/legal/tax advice, or guarantee the accuracy of third-party listings.

Service Availability: Services are provided "as is" and "as available". Our infrastructure includes AWS, Synergywholesale, Google Workspace, Stripe, Pipedrive, ActiveCampaign and Zapier.

3. User Accounts and Registration

Account holders must provide accurate info, keep credentials secure, be 18+, may only create one account, and (for business accounts) provide a valid ABN/ACN. You are responsible for all activity under your account. We may suspend/terminate for breaches, false info, fraud, non-payment or long inactivity.

4. User Conduct and Prohibited Activities

You must comply with laws, use services lawfully, provide truthful information, respect IP, and act in good faith. Prohibited: automated scraping, disruption, unauthorized access, reverse engineering, false content, malware, spam, phishing, illegal activities, harassment, and commercial misuse (resale, competing use, scraping listings). Violations may result in suspension, content removal, legal action, referral to law enforcement, or permanent bans.

5. Property Listings and Information

Property listings are provided by third parties and HALP does not own, control or verify all listing information. Property info may change without notice; images may not reflect the final product; land sizes are approximate; school zone info is for reference only. Always verify critical information directly with the property provider. School catchment zones change frequently — verify with the relevant education department and school.

6. Business Directory Listings

Advertisers must hold a valid ABN/ACN, be a legitimate operating business, comply with all applicable laws, and hold necessary professional licenses. Listings must be accurate and comply with Australian Consumer Law. Free and premium subscriptions apply. Premium is auto-renewing until canceled. Advertisers must handle inbound leads professionally, respond promptly, respect privacy laws, and honour listing representations.

7. Payment Terms (Advertiser Subscriptions)

Pricing is as displayed on our website or in the applicable Listing Agreement, in AUD, exclusive of GST unless stated, subject to 30 days notice for changes. Payments are processed by Stripe Payments Australia Pty Ltd, which is PCI-DSS Level 1 certified. HALP does not store your full card number, expiry date or CVV on its own systems; payment credentials are handled through tokenized payment methods provided by Stripe, and only the resulting payment token, card brand and last four digits are retained for billing, refunds and fraud prevention. Subscriptions auto-renew and you may cancel any time before the next billing date. No partial refunds for unused time. Pro-rata refunds for technical issues preventing access are processed within 14 business days. Non-payment may result in suspension (7 days) or removal (14 days).

8. Intellectual Property Rights

HALP and its licensors own all platform content, design, code, trademarks (including "HALP", "House And Land Packages", "Boutique Developments") and databases. Users receive a limited, non-exclusive, non-transferable, revocable licence for personal, non-commercial use. User-generated content remains yours; you grant HALP a worldwide royalty-free licence to use it. Copyright infringement claims: legal@halp.com.au.

9. Disclaimers and Limitations

HALP does not provide financial, mortgage, investment, legal, tax or real estate advice. Calculators provide estimates only. We facilitate connections but do not control third parties' conduct. Data may contain errors, be outdated, or change without notice. Services are provided as-is with no guarantees of uninterrupted access. Payment security relies on industry-standard measures and PCI-DSS compliant processors.

10. Limitation of Liability

To the maximum extent permitted by law, HALP is not liable for direct, indirect, incidental, consequential or punitive damages. Where liability cannot be excluded, our total liability is capped at $100 AUD for free services or, for paid services, the lesser of $1,000 AUD or amounts paid in the prior 12 months. Nothing excludes rights under the Australian Consumer Law. You indemnify HALP against claims arising from your breach of these Terms, violations of law or third-party rights, your platform use, submitted content, or interactions with other users.

11. Dispute Resolution

Informal Resolution: Contact legal@halp.com.au and allow 30 days for investigation.

Governing Law: New South Wales, Australia; exclusive jurisdiction of NSW courts.

Arbitration (optional): If informal resolution does not resolve the dispute, either party may elect binding arbitration administered by the Australian Dispute Resolution Association (ADRA) under its rules then in effect. Arbitration will be conducted in Sydney, New South Wales, by a single arbitrator, in the English language. Each party bears its own costs and an equal share of the arbitrator's fees unless the arbitrator determines otherwise. The arbitrator's award is final and binding and may be entered in any court of competent jurisdiction.

Class Action Waiver: To the extent permitted by law, disputes are resolved individually.

Injunctive Relief: Either party may seek equitable relief in court for IP, confidentiality, prohibited activities or irreparable harm.

17.2 Property Listing Inquiry Flow

Property listing inquiries are sent directly to the listing agent/developer — HALP does not store, read or process them. The advertiser becomes the data controller and their privacy policy governs.

17.3 Platform Inquiry Forms

HALP collects and stores information submitted through Contact Us, Join Us and Advertise With Us forms in Pipedrive, ActiveCampaign and Google Drive. Our Privacy Policy governs this data.

17.4 User Acknowledgment

By submitting an inquiry, you acknowledge that property listing inquiries go directly to advertisers, that HALP is not responsible for how advertisers handle your information, and that platform inquiries are managed by HALP under our Privacy Policy.

17.5 Advertiser Obligations

Advertisers agree to handle inquiries lawfully, maintain their own privacy policy, use information only for legitimate purposes, not spam or harass, and comply with Australian Consumer Law and fair trading regulations.

12. General Provisions

These Terms, together with our Privacy Policy and any referenced policies, constitute the entire agreement. Invalid provisions will be limited or eliminated. Our failure to enforce a provision does not waive it. You may not assign without our consent. Notices to you may be sent by email, website posting or in-app notice. Legal notices to us: 235 Glen Huntly Road, Elsternwick VIC 3185 / legal@halp.com.au. English version prevails.

13. Special Terms for Specific Services

Mortgage Calculators: estimates only, not pre-approvals; do not replace professional advice.

School Zone Data: aggregated from public government sources; verify with the relevant state education department and school. Enrolment is not guaranteed.

Property Alerts: by subscribing, you consent to receive email/SMS notifications. Frequency depends on market activity and your criteria.

Home Loan Referrals: we may receive referral fees; brokers are independent, licensed third parties; loan approval is not guaranteed.

14. Contact Information

Support: support@halp.com.au / 1300 137 406 (Mon–Fri 9–5 AEST) Tech: tech@halp.com.au Business: business@halp.com.au Legal: legal@halp.com.au Privacy: privacy@halp.com.au Copyright: copyright@halp.com.au

15. Frequently Asked Questions

Q: What is HALP? HALP operates property discovery and business directory platforms. We facilitate connections — we are not a real estate agent, developer, builder or financial advisor. (See sections 1 and 2.)

Q: Who can use HALP's services? 18+ with authority to enter the agreement. Business accounts require ABN/ACN. (See sections 1.3 and 3.1.)

Q: What happens when I submit a property inquiry? Property listing inquiries go directly to the advertiser; the advertiser's privacy policy applies. Contact Us / Join Us / Advertise With Us forms are managed by HALP. (See sections 17.2 and 17.3.)

Q: How accurate is the information? Property and school-zone data come from third parties and may be outdated. Always verify with the property provider, education department or school. (See sections 5.2 and 5.4.)

Q: How do subscriptions and payments work? Displayed in AUD, exclusive of GST unless stated, processed via Stripe. Subscriptions auto-renew. Pricing may change with 30 days notice. (See sections 7.1 and 7.2.)

Q: Can I get a refund? Cancel any time before next billing date. No refunds for voluntary cancellations. Pro-rata refunds for technical issues within 14 business days. (See section 7.4.)

Q: What is HALP's liability? Capped at $100 AUD (free) or lesser of $1,000 AUD or amounts paid in prior 12 months (paid). Australian Consumer Law rights are not excluded. (See section 10.)

Q: What laws govern these Terms? NSW, Australia with exclusive jurisdiction of NSW courts. Informal resolution first via legal@halp.com.au. (See section 11.)

Q: Can HALP change these Terms? Yes — updates to the "Last Updated" date, email to registered users, prominent notices for material changes. (See section 1.4.)

Q: How do I contact HALP? Support: support@halp.com.au / 1300 137 406. Legal: legal@halp.com.au. Privacy: privacy@halp.com.au. Copyright: copyright@halp.com.au. Postal: 235 Glen Huntly Road, Elsternwick VIC 3185. (See sections 12.8 and 14.)