← Back to Home

Terms of Service

Last updated: 12 January 2026

1. Agreement to Terms

By accessing or using Ratey ("the Service"), operated at ratey.com.au, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

These terms apply to all users of the Service, including users of the website and mobile application.

2. Description of Service

Ratey is a property wealth tracking and management application that helps Australian property owners:

  • Monitor mortgages, equity, and net worth
  • Track property valuations
  • Calculate borrowing capacity
  • Analyse investment property returns
  • Compare interest rates

3. User Accounts

3.1 Registration

To use certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorised use.

3.3 Age Requirement

You must be at least 18 years old to use this Service.

4. User Responsibilities

You agree to:

  • Provide accurate information about your properties and finances
  • Use the Service only for lawful purposes
  • Not attempt to gain unauthorised access to the Service
  • Not interfere with or disrupt the Service
  • Not use the Service for any commercial purpose without our consent

5. Financial Information Disclaimer

Important: Ratey is an informational tool only. The Service does not provide:

  • Financial advice
  • Credit advice
  • Legal advice
  • Tax advice
  • Investment recommendations

All calculations, valuations, and estimates provided by the Service are for informational purposes only and should not be relied upon for making financial decisions. Property valuations are estimates based on third-party data and may not reflect actual market values.

You should always consult with qualified professionals (financial advisers, mortgage brokers, accountants, lawyers) before making any financial decisions.

6. Third-Party Services

The Service may integrate with or contain links to third-party services, including:

  • Property valuation providers
  • Authentication services (Google, Apple)
  • Analytics providers

We are not responsible for the content, privacy policies, or practices of any third-party services. Your use of such services is at your own risk.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Ratey and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

8. Limitation of Liability

To the maximum extent permitted by Australian law:

  • The Service is provided "as is" without warranties of any kind
  • We do not warrant that the Service will be uninterrupted, secure, or error-free
  • We do not warrant the accuracy of property valuations or calculations
  • We shall not be liable for any indirect, incidental, special, or consequential damages

Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us (if any) in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Ratey and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service or violation of these Terms.

10. Termination

We may terminate or suspend your account and access to the Service at our sole discretion, without notice, for conduct that we believe:

  • Violates these Terms
  • Is harmful to other users or the Service
  • Is fraudulent or illegal

You may terminate your account at any time by contacting us. Upon termination, your right to use the Service will cease immediately.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Australia. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Australia.

13. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you may have under the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified by agreement.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Us

If you have questions about these Terms of Service, please contact us at:

Email: support@ratey.com.au
Website: ratey.com.au