Terms & Conditions
Effective Date: 5 August 2026
1. Acceptance of these Terms
By accessing or using the HilmayDigital Negative Gearing Checker you agree
to be bound by these Terms and Conditions. If you do not agree, you must
not use this service.
2. About this Service
The Negative Gearing Checker is an online self-assessment tool designed to
help Australian property investors understand how proposed negative gearing
changes may affect their investment.
The service combines programmed rules with Artificial Intelligence (AI) to
generate a personalised report based on the information provided by the user.
3. General Information Only
This service is provided for general educational and informational purposes
only.
Nothing contained within this website or any generated report constitutes
financial, taxation, accounting, investment or legal advice.
You should seek independent professional advice before making financial,
property or taxation decisions.
4. Customer Accounts
Customers must create a secure account before purchasing assessments.
Purchased assessments and reports remain linked to the registered account and
cannot be transferred to another person.
5. Assessment Tokens
Each purchase includes the number of assessment tokens displayed at the time
of purchase.
- Single Assessment – 1 assessment token
- Multi Assessment – Up to 3 assessment tokens
- Unlimited Assessment – Unlimited assessments for 12 months
6. Token Validity
Unless otherwise stated, all purchased assessment tokens remain valid for
12 months from the date of purchase.
Unused assessment tokens automatically expire after the 12-month validity
period.
Expired assessment tokens cannot be redeemed, refunded, exchanged or
transferred except where required under Australian Consumer Law.
Assessment reports already generated before token expiry remain available in
your account.
7. Payments
Payments are securely processed by Stripe.
HilmayDigital does not store credit or debit card information.
8. Refunds
Due to the digital nature of this service, change-of-mind refunds are
generally unavailable once an assessment has been used or a report has been
generated.
Nothing in these Terms limits your rights under Australian Consumer Law.
9. AI Generated Reports
Reports are produced using customer responses, programmed rules and
Artificial Intelligence.
Although reasonable efforts are made to provide accurate information,
HilmayDigital does not guarantee that reports are complete, accurate or
suitable for every circumstance.
10. Limitation of Liability
HilmayDigital will not be liable for any loss arising from reliance upon the
information contained within this service except where liability cannot be
excluded by law.
11. Australian Consumer Law
Nothing within these Terms excludes, restricts or modifies any rights or
guarantees available under the Australian Consumer Law.
12. Changes to these Terms
HilmayDigital may update these Terms and Conditions from time to time.
Continued use of the service constitutes acceptance of the latest version.
Terms & Conditions
Effective Date: 5 August 2026
1. Acceptance of these Terms
By accessing or using the HilmayDigital Negative Gearing Checker you agree
to be bound by these Terms and Conditions. If you do not agree, you must
not use this service.
2. About this Service
The Negative Gearing Checker is an online self-assessment tool designed to
help Australian property investors understand how proposed negative gearing
changes may affect their investment.
The service combines programmed rules with Artificial Intelligence (AI) to
generate a personalised report based on the information provided by the user.
3. General Information Only
This service is provided for general educational and informational purposes
only.
Nothing contained within this website or any generated report constitutes
financial, taxation, accounting, investment or legal advice.
You should seek independent professional advice before making financial,
property or taxation decisions.
4. Customer Accounts
Customers must create a secure account before purchasing assessments.
Purchased assessments and reports remain linked to the registered account and
cannot be transferred to another person.
5. Assessment Tokens
Each purchase includes the number of assessment tokens displayed at the time
of purchase.
- Single Assessment – 1 assessment token
- Multi Assessment – Up to 3 assessment tokens
- Unlimited Assessment – Unlimited assessments for 12 months
6. Token Validity
Unless otherwise stated, all purchased assessment tokens remain valid for
12 months from the date of purchase.
Unused assessment tokens automatically expire after the 12-month validity
period.
Expired assessment tokens cannot be redeemed, refunded, exchanged or
transferred except where required under Australian Consumer Law.
Assessment reports already generated before token expiry remain available in
your account.
7. Payments
Payments are securely processed by Stripe.
HilmayDigital does not store credit or debit card information.
8. Refunds
Due to the digital nature of this service, change-of-mind refunds are
generally unavailable once an assessment has been used or a report has been
generated.
Nothing in these Terms limits your rights under Australian Consumer Law.
9. AI Generated Reports
Reports are produced using customer responses, programmed rules and
Artificial Intelligence.
Although reasonable efforts are made to provide accurate information,
HilmayDigital does not guarantee that reports are complete, accurate or
suitable for every circumstance.
10. Limitation of Liability
HilmayDigital will not be liable for any loss arising from reliance upon the
information contained within this service except where liability cannot be
excluded by law.
11. Australian Consumer Law
Nothing within these Terms excludes, restricts or modifies any rights or
guarantees available under the Australian Consumer Law.
12. Changes to these Terms
HilmayDigital may update these Terms and Conditions from time to time.
Continued use of the service constitutes acceptance of the latest version.