Terms of Use

1. Introduction

Welcome to The Observable. These Terms of Use govern your access to LoanMetric, our calculators, and related digital tools.

By using this website, you agree to these terms. This website is designed for individuals exploring financial scenarios in Australia with loan calculator Australia tools.

2. Nature of Service

LoanMetric provides:

• financial calculators (including home loan, car loan, and borrowing capacity tools),
• educational content, and
• AI insights to help explain scenarios.

LoanMetric does not provide financial advice. All information is general in nature only.

3. No Financial Advice

Calculator outputs are estimates only. Results may differ from actual lender assessments, rates, policies, and approval outcomes. You should seek advice from a licensed financial adviser, broker, or other qualified professional before making financial decisions.

This website does not provide personal financial advice. You should use it as a guide and review our methodology to understand assumptions.

4. Accuracy of Information

We aim to keep information accurate and up to date, but we do not guarantee that content is correct, complete, or current at all times. Interest rates, lending criteria, product terms, and other assumptions may change without notice.

5. User Responsibility

You are responsible for entering accurate information and using outputs appropriately. The Observable is not responsible for decisions made based on calculator results or AI-generated content.

6. AI Features Disclaimer

AI insights are automatically generated from your inputs and platform logic. They are not personalised financial advice and may be incomplete, outdated, or incorrect.

7. Limitation of Liability

To the extent permitted by law, The Observable is not liable for loss or damage arising from use of this website, including reliance on calculations, assumptions, or AI-generated outputs.

You use this website at your own risk.

8. Third-Party Links

We may provide links to third-party websites or services for convenience. We are not responsible for their content, security, or privacy practices.

9. Updates to Terms

We may update these Terms of Use from time to time. Continued use of the website after updates means you accept the revised terms.

10. Contact

Questions about these terms can be directed to hello [at] theobservable.com.au.