Important Notice
All information, analysis, and AI-generated content provided by Abora is for general informational purposes only. It does not constitute financial, legal, investment, or property advice. Abora holds no Australian Financial Services Licence (AFSL) and is not a certified valuer, solicitor, or licensed financial adviser. Always seek independent professional advice before making any property or investment decision.
1. General Information Disclaimer
The information available on the Abora Platform — including suburb profiles, market analysis, property comparisons, AI-generated summaries, and investment-related data — is provided for general informational purposes only. It is not tailored to your personal financial situation, investment objectives, or particular needs.
Nothing on the Platform should be interpreted as:
- Financial product advice under the Corporations Act 2001 (Cth)
- Personal financial advice from a licensed financial adviser
- Legal advice of any kind
- A certified property valuation under any state valuation legislation
- A recommendation to buy, sell, or hold any property or financial product
Always seek independent professional advice from a licensed financial adviser (AFSL holder), a solicitor or conveyancer, and/or an API-registered property valuer before making any property or investment decision.
2. Property Valuation Disclaimer
AVM Margin of Error — Critical Disclosure
Abora's Automated Valuation Model (AVM) estimates carry an inherent margin of error of approximately ±15–20% of actual market value under normal market conditions. This margin may be significantly wider for:
- Rural, regional, or thinly traded markets
- Unique or atypical properties
- Rapidly changing market conditions
- Properties with limited comparable sales data
2.1 Not a Certified Valuation
AVM estimates generated by the Platform are not certified property valuations within the meaning of:
- The Valuation of Land Act 1960 (Vic)
- Equivalent legislation in other Australian states and territories
- Australian Property Institute (API) professional standards
2.2 When a Certified Valuation is Required
You must engage an API-registered valuer — and not rely on Abora's AVM — for:
- Mortgage or refinancing applications (lender-instructed valuations)
- Family law property settlements
- Estate administration and probate
- Compulsory acquisition and compensation claims
- Stamp duty assessments
- Legal disputes involving property value
- SMSF property acquisitions
3. Financial Information Disclaimer
No AFSL: Abora Pty Ltd does not hold an Australian Financial Services Licence (AFSL). The Platform does not provide financial product advice as defined under the Corporations Act 2001 (Cth).
Financial data on the Platform — including rental yield estimates, historical capital growth data, gross and net yield calculations, interest rate information, and borrowing capacity indicators — is:
- General in nature and not tailored to your individual circumstances
- Based on historical data which is not a reliable guide to future performance
- Subject to material change depending on market conditions, tax law, and interest rates
- Not verified for accuracy by a licensed financial adviser
For independent financial guidance:
4. AI-Generated Content Disclaimer
LLM Hallucination Risk: AI language models can produce confident-sounding but factually incorrect outputs. All AI-generated content on the Platform must be independently verified before being relied upon.
Abora uses artificial intelligence, including large language models (LLMs) and machine learning algorithms, to generate property summaries, suburb insights, market commentary, and recommendations. These outputs:
- Are generated automatically and may not reflect current market conditions
- May contain inaccuracies, omissions, or outdated information
- Are not reviewed by a licensed professional before delivery
- Should not be the sole basis for any property or investment decision
4.1 Items to Independently Verify
Before purchasing or making decisions about a property, verify the following from official sources:
5. Data Currency Disclaimer
Abora endeavours to provide current and accurate property and market data. However:
Property Listings & Price Data
Data is refreshed on a best-effort daily basis. Market conditions can change rapidly. Data may be delayed, incomplete, or affected by feed outages from upstream providers. Always verify current listing status directly with the relevant real estate agent.
ABS Census Data
Demographic data is based on the 2021 Census. Significant demographic changes since 2021 may not be reflected. This data will be updated when the next ABS Census cycle is published.
Government & Regulatory Data
Zoning, infrastructure, and planning information is drawn from publicly available government sources and can change without notice. Always verify with the relevant council or state planning authority.
Interest Rates & Economic Data
Interest rates and economic indicators are updated periodically but may not reflect the most recent announcements. Refer to the Reserve Bank of Australia (rba.gov.au) for current rates.
6. Third-Party Content Disclaimer
The Platform may display or link to content, data, or tools from third-party sources including:
Abora does not endorse, warrant, or accept responsibility for:
- The accuracy or completeness of third-party content
- Errors, omissions, or data quality issues in upstream provider feeds
- The policies or practices of third-party websites
- Any loss or damage arising from your use of third-party content
Abora is an independent technology company. It is not affiliated with, endorsed by, or a partner of REA Group, Domain Holdings, the REIV, the Australian Property Institute, or any government body, unless expressly stated in writing.
7. Investment Risk Disclaimer
Past Performance Warning
Past performance data shown on the Platform is not indicative of future results. Property markets can and do fall. All investments carry risk, including the risk of losing your entire capital.
7.1 General Risks
- Market value fluctuations (both up and down)
- Rental vacancy and loss of rental income
- Interest rate increases raising debt servicing costs
- Illiquidity — property cannot be quickly converted to cash
- Concentration risk from a single-asset position
- Legal risks including settlement failure and disputes
- Regulatory and planning changes affecting property use and value
7.2 Leveraged Property Risk
Borrowing to invest in property (leverage) amplifies both gains and losses. If property values fall, your losses may exceed your initial investment. Mortgage payments may exceed rental income, requiring ongoing cash contributions.
7.3 Limitation of Liability (ACL)
To the maximum extent permitted by the Australian Consumer Law (ACL) (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), Abora excludes all liability for loss or damage arising from reliance on Platform content for investment decisions. Where liability cannot be excluded under the ACL, it is limited to the resupply of the relevant service. Consumer Guarantees under the ACL are not excluded by this Disclaimer.
This Disclaimer should be read together with our Terms & Conditions and Privacy Policy. · Questions: hello@abora.com.au