I/we hereby engage InvestDoor Pty Ltd as our property investment advisor. This engagement includes, but is not limited to, the development of a Strategic Investment Plan (SIP), exclusive property opportunities, and additional property-related services based on the information provided by us in our Personal Financial Fact Find.

Engagement Terms

1. Provision of Information
2. • I/we acknowledge that the creation of a Strategic Investment Plan (SIP) requires our detailed financial information, which we will provide through the Financial Fact Find form.
   • I/we give permission for InvestDoor Pty Ltd to use this information solely to develop our tailored investment plan and offer relevant services. We also authorise the sharing of this data with InvestDoor’s affiliated partners who are directly involved in providing these services.
3. Accuracy of Information
4. • I/we understand that our Strategic Investment Plan (SIP) and all related advice are based on the accuracy of our information. We agree to notify InvestDoor Pty Ltd of any significant changes in our financial or personal circumstances that may affect the plan’s relevance or effectiveness.
5. Financial and Tax Advice Limitations
6. • I/we acknowledge that InvestDoor Pty Ltd does not provide financial, tax, or legal advice. We are encouraged to consult licensed professionals for specialised financial and tax guidance.
   • InvestDoor may refer clients to professionals within its network, but we retain the responsibility for independently verifying any advice received.
7. Assumptions and Projections
8. • I/we understand that property recommendations and financial projections in the Strategic Investment Plan (SIP) are based on past performance data and forecasted trends. These are estimations and not guaranteed outcomes. InvestDoor Pty Ltd may receive commissions on specific transactions and services related to property purchases and associated financial services.

Privacy Policy

At InvestDoor Pty Ltd, your privacy is of utmost importance. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) to ensure the confidentiality and security of your information.

Affiliated Companies Covered by This Policy

The following InvestDoor-associated entities adhere to our privacy policy standards:

• Our Financial Services Pty Ltd t/a LendDoor

Australian Privacy Principles Compliance

We operate in strict adherence to the Privacy Act and the APPs, which govern the handling of personal data by private sector organisations.

Definition of Personal Information

The types of information InvestDoor holds about clients include:

• Full name, date of birth, and contact details
• Financial details, investment portfolios, and real estate holdings
• Any other personal or financial data provided by the client during consultation

Collection Methods

InvestDoor collects personal information essential to performing its services. Information may be gathered through:

• Our website (e.g., service orders, sign-ups for premium content, contact forms)
• Interactions such as events, direct calls, emails, and other means

Use of Personal Information

Your information is used solely to:

• Confirm identity, process requests, and fulfil orders
• Respond to inquiries, maintain communication, and gather feedback
• Conduct necessary background checks, prevent fraud, and maintain secure business systems

With your consent, we may also use your information to provide updates on services or products of potential interest. You may unsubscribe from promotional communications at any time.

Disclosure of Personal Information

For the purpose of providing comprehensive services, we may share personal data with:

• Affiliates within InvestDoor’s business network
• Trusted external service providers, including overseas entities, for purposes like IT support, marketing, and payment processing

We may also disclose information to:

• Credit bureaus, legal representatives, and government bodies when required by law
• Accountants, lawyers, and business consultants involved in asset management, audits, or organisational risk assessment

Access and Correction of Personal Data

You have the right to request access to or correction of your personal information. If access is denied due to legal constraints or privacy considerations for other parties, we will notify you. In cases of extensive data access requests, reasonable fees may apply.

Security of Personal Information: We prioritise the protection of your information through secure electronic and physical storage methods.

Changes to Privacy Policy

Updates to our Privacy Policy may be made periodically to remain compliant with the Privacy Act. Changes will be reflected on our website.

Property Recommendation Process

1. Identification and Selection of Properties
2. • InvestDoor identifies and suggests investment properties that align with your portfolio strategy. Recommendations are based on the financial data and investment goals outlined in your Strategic Investment Plan (SIP).
3. Financial Analysis of Property
4. • Each recommended property includes cash flow projections and a breakdown of financials, helping you make an informed decision regarding investment suitability.
5. Expression of Interest and Property Hold
6. • Once you express interest, an expression of interest (EOI) and holding deposit may be required to secure the property.
7. Mortgage Planning
8. • InvestDoor coordinates with an affiliated mortgage strategist to help finalise your financing strategy and develop a tailored loan proposal.

Risk Disclaimer and Liability Limitations

1. Investment Risks and Outcome Disclaimer
2. • I/we understand that property investment carries inherent risks, and InvestDoor Pty Ltd does not guarantee specific investment results, returns, or the accuracy of forecasted projections based on past performance data.
3. Scope of InvestDoor’s Role
4. • InvestDoor serves solely as a facilitator of property recommendations and not as a licensed real estate agency, financial planning, or legal advice provider. Property details provided (e.g., pricing, area) are sourced from third-party data, and while we strive for accuracy, we cannot guarantee completeness or currency.
5. Estimation and Projection Limitations
6. • Forward-looking estimates are based on proprietary methods and do not guarantee financial gain. Investment results are subject to change due to market conditions, economic shifts, and personal circumstances, and the potential for significant losses exists.
7. Assumption of Investment Risk
8. • I/we understand that we assume all responsibility for investment risks, potential financial losses, and due diligence on the properties. InvestDoor bears no liability for the outcomes of investment decisions.
9. Factors Influencing Investment Success
10. • Numerous factors impact investment performance, including economic cycles and individual investment choices. InvestDoor makes no assurances regarding "average earnings," and clients should seek financial, legal, or real estate professional counsel to corroborate any information provided.

Future-Focused Statements

Statements we provide that aren’t historical facts—including comments on our strategic direction or objectives—are forward-looking and subject to inherent risks. Terms like “anticipate,” “believe,” “expect,” “may,” “plan,” and similar language reflect predictions rather than guarantees.

These statements rely on the current economic environment and anticipated actions. They aren’t guarantees of future outcomes, and unforeseen factors could alter them significantly.

We do not guarantee any outcome from these statements and encourage you not to rely solely on them. We aren’t responsible for updating forward-looking statements unless required by law.

Non-Disparagement

Each party agrees not to make, support, or participate in any critical, derogatory, or negative remarks about the other party or its representatives in any format.

If disclosure is legally required, the disclosing party will, if feasible, notify the other in advance and provide reasonable assistance in securing confidentiality.

Personal Information

To fulfil our services, we may share your personal information within our network of InvestDoor-related companies to support investment and wealth-building efforts.

Intellectual Property

• Ownership: All Intellectual Property (IP) related to InvestDoor’s services remains with InvestDoor.
• Assignment: You transfer to InvestDoor any rights to IP created during the engagement, which becomes our property upon its creation.
• Support of IP Rights: You’ll provide any assistance needed to secure InvestDoor’s IP rights worldwide as requested.
• Permitted Use: Using or reproducing InvestDoor’s IP or that of our clients or affiliates requires written consent unless it directly supports our engagement.
• Moral Rights: You consent to InvestDoor making necessary adjustments to any Works without naming you as the author, and you confirm this consent is voluntary.

Limitations of Liability

• No Warranties: InvestDoor, its affiliates, and representatives offer no warranties regarding the suitability or performance of services. We do not guarantee specific outcomes or error-free operations, compatibility, or fulfilment of particular expectations.
• Force Majeure: If performance is delayed by factors beyond our control, we’re entitled to a reasonable extension to fulfil our obligations without liability for such delays.
• Remedies for Breach: For any breach of non-disparagement obligations, parties agree that damages may be insufficient, and equitable remedies, including injunctive relief, may be pursued.

General Provisions

• Further Assurances: Each party agrees to complete any documents or actions reasonably required to implement these Terms fully.
• Severability: If any provision is invalid in a particular location, it will be adjusted as needed without impacting other locations or provisions.
• No Waiver: A delay or choice not to enforce a right doesn’t waive that right, nor does partial enforcement prevent future full enforcement.
• Assignment: Neither party may assign its rights without prior consent.
• Governing Law and Jurisdiction: This agreement is governed by the laws of Victoria, Australia, with exclusive jurisdiction granted to its courts for any disputes.

Definitions

• Business Day: Refers to weekdays that aren’t public holidays in Victoria.
• InvestDoor Membership: Refers to the access provided to members under this agreement.
• Governmental Agency: Any federal, state, or local government body.
• GST: Defined as in GST Law.
• IP Rights: Includes all Intellectual Property and Relevant IP created within the scope of this engagement.
• Membership Fee: The fee payable for InvestDoor membership services.
• Personal Information: As defined in the Privacy Act.
• Privacy Act: The Privacy Act 1998 (Cth).
• Related Bodies Corporate: Companies affiliated with InvestDoor.
• Representatives: Those acting on behalf of InvestDoor, including employees and contractors.

Interpretation

When interpreting this document, please consider the following:

• Headings are for clarity only.
• References to statutes, rules, or regulations include any updates or replacements.
• Definitions apply in all variations of a term.
• Time references are in VIC, and all amounts are in Australian dollars.
• Singular and Plural terms are interchangeable, and all genders are included.