Terms of Service
Governing the use of Little Ledger House mortgage refinancing resources within the State of Victoria, Australia. Last Updated: 2024.
Subject and Acceptance of Terms
Welcome to Little Ledger House. These Terms of Service ("Terms") constitute a legally binding agreement between you and Little Ledger House regarding your access to and use of our digital platforms, including mortgage refinancing guides and financial calculation models.
By accessing this site, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws of Victoria, Australia. If you do not agree, you must cease use of our services immediately.
We reserve the right to modify these Terms at any time. Continued use of the platform after changes are posted constitutes acceptance of the new Terms. We recommend checking this page regularly for updates.
Description of Services
Little Ledger House provides educational content, data analysis, and tools designed to help Victorian homeowners understand mortgage refinancing logic. Our services include:
- / Comprehensive Mortgage Refinancing Guide Victoria.
- / Analytical Victoria Market Data 2024.
- / Algorithmic Financial Calculation Models.
IMPORTANT: Little Ledger House is not a bank, credit provider, or financial licensed advisor. The information provided is for general informational purposes only and does not constitute a "Credit Activity" as defined under the National Consumer Credit Protection Act 2009 (Cth).
Rules of Use and Prohibitions
Permitted Use
You are granted a non-exclusive, non-transferable, revocable license to access our content for personal, non-commercial research purposes regarding mortgage structures.
Strict Prohibitions
- • Use of automated bots, scrapers, or spiders to extract financial data.
- • Misrepresentation of identity or providing false financial data in calculators.
- • Reverse engineering of our Step-by-Step Refinancing Logic.
- • Any activity that violates the Spam Act 2003 (Cth).
Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and data compilations (specifically the Mortgage Terminology Index), is the property of Little Ledger House or its content suppliers and is protected by Australian and international copyright laws.
The compilation of all content on this site is the exclusive property of Little Ledger House, with copyright authorship for this collection by Little Ledger House.
Disclaimer of Warranties
The services are provided on an "as is" and "as available" basis.
Little Ledger House makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content, or materials included. You expressly agree that your use of this site is at your sole risk. To the full extent permissible by the Australian Consumer Law (ACL), we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
Limitation of Liability
Little Ledger House, its directors, officers, and employees will not be liable for any damages of any kind arising from the use of any service, or from any information, content, materials, or products included on the site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.
This limitation applies specifically to financial decisions made based on our Refinance Journal or calculations. We are not responsible for mortgage rate fluctuations or bank rejection of refinancing applications.
Applicable Law and Jurisdiction
By visiting Little Ledger House, you agree that the laws of the State of Victoria, Australia, without regard to principles of conflict of laws, will govern these Terms of Service.
Any dispute relating in any way to your visit to this site shall be adjudicated in the courts of Victoria, and you consent to exclusive jurisdiction and venue in such courts. We adhere to the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) as detailed in our Privacy Policy.
Contact and Entity Details
Legal Entity
Little Ledger House
Electronic Inquiry
Physical Notice
156 Collins Street, Melbourne, VIC 3000, Victoria+1 (987) 998-2599