Disclaimer

HouseIQ provides general information about properties based on publicly available data. All information presented in HouseIQ reports is provided for informational and educational purposes only.

HouseIQ is not a licensed real estate agent, financial adviser, mortgage broker, conveyancer, solicitor, building inspector, valuer, or insurance broker. Nothing in any HouseIQ report constitutes advice within the meaning of any of these professions. Specifically:

• Not financial advice: HouseIQ does not hold an Australian Financial Services Licence (AFSL). Report content does not constitute financial product advice as defined under the Corporations Act 2001 (Cth).
• Not legal advice: HouseIQ is not a law firm and report content does not constitute legal advice. You should instruct a conveyancer or solicitor for all aspects of a property transaction.
• Not insurance advice: Insurance premium estimates in HouseIQ reports are approximations derived from publicly available industry data. Your actual premium will depend on your insurer, the specific property, your claims history, and other factors. Always obtain a formal insurance quote before relying on any cost estimate.
• Not a valuation: HouseIQ does not provide formal property valuations. Comparable sales data and price trend analysis are provided for general context only.

HouseIQ aggregates data from multiple sources including Queensland government datasets, local council databases, and commercial data providers. Each data source has its own limitations:

Flood Zone Data

Flood zone classifications are sourced from Queensland Government flood mapping data and local council flood planning overlays. These classifications:

• Are based on modelled historical flood events and may not reflect future flood risk
• Are updated periodically and may not reflect recent rezoning, levee construction, or drainage infrastructure changes
• Vary in methodology between different councils — classifications from different councils should not be directly compared
• Do not account for the specific elevation, construction, or drainage characteristics of individual properties within a flood zone

Being classified as “in a flood zone” does not mean a property will flood. Being outside a flood zone does not guarantee a property will not experience flood damage. For a definitive flood risk assessment, consult the relevant local council and/or a licensed hydrological engineer.

Bushfire Risk Data

Bushfire prone area designations are sourced from Queensland Fire and Emergency Services (QFES) mapping. These designations reflect historical fire behaviour patterns and vegetation mapping. Actual fire risk depends on many factors including current vegetation state, weather conditions, and land management practices.

Development Applications (DAs)

DA data is sourced from council development registers. HouseIQ searches within approximately 800 metres of the subject property. Limitations include:

• Not all councils publish real-time DA data — there may be a lag of days to weeks between lodgement and appearance in HouseIQ data
• Approved DAs may not proceed to construction; refused DAs may be appealed and subsequently approved
• The description of a DA in council records may differ from what is ultimately built
• Larger infrastructure or state-significant projects may be assessed by state government rather than local council and may not appear in council DA registers

Grant and Stamp Duty Calculations

Grant eligibility and stamp duty calculations are based on Queensland government thresholds and rules current at the time of report generation. These:

• May change with Queensland State Budget announcements or legislative amendments
• Depend on the final, verified contract price — not an indicative offer price provided at report time
• Are subject to eligibility conditions that HouseIQ cannot fully verify (prior property ownership history, citizenship status, etc.)
• Do not constitute a determination of grant eligibility by the Queensland Revenue Office

Always verify current thresholds and your eligibility directly with the Queensland Revenue Office or a licensed conveyancer before relying on grant or duty estimates.

AI-Generated Verdict

The AI verdict section is generated by a large language model (Claude, by Anthropic) based on the data collected for your report. AI-generated content:

• May contain errors, omissions, or misinterpretations of the underlying data
• Reflects the data available at the time of report generation only
• Does not incorporate any information about the specific property’s condition, title, or legal encumbrances
• Is not reviewed by a human expert before delivery

HouseIQ reports do not include and are not a substitute for:

• Building and pest inspection: HouseIQ cannot assess the physical condition of a property. Always obtain a licensed building and pest inspection report before exchanging contracts.
• Title search and encumbrances: HouseIQ does not search the Queensland Land Titles Register. Easements, covenants, caveats, and other encumbrances on title are not reported.
• Body corporate / strata records: For units and townhouses, HouseIQ does not review body corporate records, levies, or defect reports.
• Heritage listings: Properties subject to local or state heritage overlays may have significant development restrictions not captured in HouseIQ data.
• Environmental contamination: HouseIQ does not search contaminated land registers or assess environmental risk beyond flood and bushfire zone data.
• Infrastructure plans: Planned road upgrades, rail corridors, or utility easements proposed by government but not yet gazetted may not appear in HouseIQ data.

To the maximum extent permitted by law, HouseIQ provides the service on an “as is” and “as available” basis without any warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.

Before making any property purchase decision, we strongly recommend you obtain independent advice from:

• A licensed conveyancer or solicitor (for contract review, title search, legal advice)
• A licensed mortgage broker or bank (for financing and serviceability assessment)
• A licensed building and pest inspector (for physical property condition)
• Your insurer (for building insurance quotes and flood cover confirmation)
• A licensed financial adviser if applicable (for investment and tax considerations)

If you have questions about this disclaimer or a specific data point in your report, contact us at hello@houseiq.com.au