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Terms of Service

Last Updated: January 19, 2026

1. Acceptance of Terms

By accessing or using ClimateScore ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

ClimateScore provides informational climate risk assessments for properties in Victoria, Australia. Our scores aggregate publicly available data from government sources including but not limited to:

  • Country Fire Authority (CFA) bushfire maps
  • Bureau of Meteorology (BoM) weather data
  • Melbourne Water flood overlays
  • VicEmergency historical records
  • Council planning overlays
  • Insurance Council data

3. Informational Purposes Only

⚠️ IMPORTANT DISCLAIMER

ClimateScore is provided for informational purposes only and does not constitute professional advice of any kind. The Service is not a substitute for:

  • Professional building inspections
  • Engineering assessments
  • Financial advice
  • Legal advice
  • Insurance advice
  • Real estate advice

4. No Warranties or Guarantees

We make no warranties, express or implied, regarding:

  • Accuracy: Climate risk data is based on historical patterns and publicly available information. Actual risks may differ.
  • Completeness: Our data may not capture all relevant risk factors for a property.
  • Timeliness: While we strive to update data regularly, there may be delays in reflecting the most current information.
  • Suitability: Scores may not be suitable for your specific circumstances or risk tolerance.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

ClimateScore and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from:

  • Use or inability to use the Service
  • Reliance on any information provided by the Service
  • Property purchase or investment decisions
  • Insurance claims or denials
  • Property damage from climate events
  • Financial losses of any kind

Maximum Liability: In any event, our total liability to you shall not exceed the amount you paid to use the Service (currently $0 for free tier).

6. User Responsibilities

You agree to:

  • Use the Service for lawful purposes only
  • Not rely solely on ClimateScore for property decisions
  • Conduct independent due diligence including professional inspections
  • Consult with qualified professionals (building inspectors, insurance agents, financial advisors, etc.)
  • Verify all information independently
  • Not redistribute or resell our data without permission

7. Data Sources and Methodology

Our risk scores are calculated using publicly available government data. Our methodology includes:

  • Aggregation of multiple data sources
  • Weighted algorithms based on historical incident patterns
  • Geographic analysis using GIS data
  • Regular updates from official sources

Limitations: Our scores cannot predict future events, account for all local factors, or replace on-site professional assessments.

8. Changes to Service

We reserve the right to modify or discontinue the Service at any time without notice. We may also update our methodology, data sources, or scoring algorithms.

9. Indemnification

You agree to indemnify and hold harmless ClimateScore, its operators, and affiliates from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

10. Governing Law

These Terms are governed by the laws of Victoria, Australia. Any disputes shall be resolved in the courts of Victoria.

11. Contact

For questions about these Terms, contact us at: hello@climatescore.com.au

Summary for Users:

ClimateScore provides informational risk scores based on public data. We make no guarantees about accuracy and you should always get professional advice before making property decisions. Use at your own risk.

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