Terms of Use

SmartHL, also published as the Smart Home Loan Repayment Planner (the “Service”), is operated by Sunshine Tech. References in these terms to “we”, “us” and “our” mean Sunshine Tech.

By accessing or using the Service, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use the Service.

The Service is an informational calculator. It provides factual information and mathematical projections based solely on the figures you enter. Nothing produced by the Service constitutes financial product advice, credit assistance, or a recommendation under the Corporations Act 2001 (Cth) or the National Consumer Credit Protection Act 2009 (Cth).

We do not consider your objectives, financial situation, or needs. Before acting on any output from the Service, you should consider its appropriateness to your circumstances and obtain advice from an appropriately licensed financial adviser or credit provider.

All results are estimates. The Service makes simplifying assumptions, including but not limited to:

• a constant interest rate for the full loan term;
• regular, on-time repayments of the amounts entered;
• no establishment fees, ongoing fees, redraw fees, or lender charges;
• no changes to your loan product, offset arrangement, or repayment type;
• no impact from taxation, government charges, or lenders mortgage insurance.

Real-world outcomes will differ. Your lender’s calculations are authoritative — not ours. You should always confirm figures directly with your lender.

The Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that any calculation is accurate, complete, or fit for any particular purpose.

Nothing in these terms excludes, restricts, or modifies any guarantee, right, or remedy you may have under the Australian Consumer Law that cannot lawfully be excluded.

To the maximum extent permitted by law, we exclude all liability for any loss or damage (including indirect, incidental, special, or consequential loss, loss of profits, or loss of opportunity) arising from or in connection with your use of, or reliance on, the Service or its output — however that loss arises, whether in contract, tort (including negligence), statute, or otherwise.

Where liability cannot lawfully be excluded, our total aggregate liability is limited to the resupply of the Service or the cost of having the Service resupplied.

All content in the Service — including the source code, design, layout, branding, logo, text, and graphics — is owned by us or our licensors and is protected by Australian and international copyright law. All rights are reserved.

You may use the Service for your own personal, non-commercial purposes. You must not copy, reproduce, republish, scrape, frame, resell, reverse engineer, or create derivative works from any part of the Service without our prior written permission.

You agree that you will not:

• use the Service for any unlawful, fraudulent, or misleading purpose;
• present output from the Service to third parties as personalised financial advice;
• attempt to gain unauthorised access to, interfere with, or disrupt the Service or any related system;
• use automated means to access, scrape, or overload the Service;
• impersonate the Service, or create a copy or clone of it that could mislead users.

The Service runs entirely in your browser. The figures you type in are held in memory for the duration of your visit and are discarded when you refresh or close the tab. Scenarios you choose to save are written to your browser’s local storage and remain on your device until you delete them. Neither is transmitted to or stored on our servers, and we cannot access them.

Because saved scenarios live on your device, clearing your browser data will permanently delete them, and anyone with access to your device and browser profile may be able to view them. See our Privacy Policy for further detail.

The Service may display advertising or contain links to third-party websites. We do not control, endorse, or accept responsibility for third-party content, products, or services. Any dealings you have with a third party are solely between you and that third party.

We may modify, suspend, or discontinue the Service, and may update these Terms of Use, at any time without notice. Continued use of the Service after any change constitutes acceptance of the revised terms. The “last updated” date above indicates when these terms were last revised.

These Terms of Use are governed by the laws of Australia. You submit to the non-exclusive jurisdiction of the courts of Australia and any courts competent to hear appeals from them.

If you have questions about these Terms of Use, please get in touch via our contact page, which lists our current contact details.