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PropCred – Terms & Conditions of Use

Effective Date: 13.10.2025
Business Name: PropCred
Registered in: Melbourne, Victoria, Australia

1. About PropCred

PropCred provides customised property data reports based on publicly available and licensed data sources, user-submitted information, and proprietary analysis frameworks. Our goal is to help buyers make more informed property decisions by presenting relevant data in a simplified format.

By purchasing a PropCred report or using our website, you agree to the terms outlined below.

2. No Financial or Property Advice

PropCred is not a licensed real estate agent, financial advisor, or valuer.
We do not buy, sell, negotiate, or represent clients in real estate transactions.
All reports are generated for informational purposes only and should not be relied upon as professional advice.

You must seek independent legal, financial, or property advice before making any property-related decisions. We expressly disclaim any responsibility for actions taken based on the contents of our reports or website.

3. Report Accuracy & Limitations

While we strive to ensure our data is current and our analysis is rigorous, PropCred reports are based on:

  • Third-party datasets (e.g., property sales data, planning overlays, demographic info)

  • Information you provide at the time of order

  • Available data at the time of report generation

We cannot guarantee complete accuracy or completeness of information. All property data is subject to change, and users should verify critical details independently (e.g. zoning, legal restrictions, future developments).

4. Custom Product & Delivery

Each report is custom-built using user-provided inputs and verified datasets.
We begin processing your order immediately upon payment.

Typical delivery time: Within 4 hours of purchase (unless stated otherwise on the product page).
Delivery method: PDF or digital format, sent to the email provided at checkout.

5. Refund Policy

Due to the personalised nature of our reports and the immediate resources used in preparing them, we do not offer refunds for change of mind or dissatisfaction with expected outcomes.

Under Australian Consumer Law, you are entitled to a remedy if your report:

  • Is not delivered

  • Is significantly different from what was advertised

  • Contains major errors that make it unusable

During our beta testing period, we offer a one-time free review of your report if requested within 48 hours of delivery. You may submit specific questions or concerns for review by one of our senior analysts.

6. Intellectual Property

All content, reports, branding, and design elements provided by PropCred are protected by copyright and intellectual property law. You may use your report for personal or internal business purposes only.
You must not reproduce, resell, distribute, or republish our reports or website content without written permission.

7. User Responsibilities

You agree to:

  • Provide accurate and complete property information at the time of ordering

  • Use the report for your own personal or internal decision-making

  • Not misrepresent PropCred as a licensed property advisory or real estate service

8. Limitation of Liability

To the fullest extent permitted by law, PropCred and its directors, employees, or affiliates are not liable for any loss, damage, or expense arising from:

  • Use of or reliance on our reports

  • Errors, omissions, or outdated information

  • Delays in delivery

  • Decisions made based on our content

Our liability is limited, at our option, to re-supplying the report or refunding the purchase price in accordance with ACL rights.

9. Jurisdiction

These Terms are governed by the laws of Victoria, Australia. Any disputes will be handled through the courts of Victoria.