Effective Date: 20th August 2025

1. Acceptance of Terms 

By accessing or using FreedomTrack.ai (“Website”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree with these Terms, you must discontinue use of the Website.

2. Educational Purpose Only 

FreedomTrack.ai provides general, factual, and educational information to help users understand mortgage payoff strategies and personal goal tracking.  We do not provide financial, investment, legal, or tax advice.  All information and tools are for educational purposes only and should not be considered personal financial advice.

3. Eligibility 

You must be 18 years or older to use this Website or purchase our digital products.

4. User Responsibilities 

You agree to use the Website and tools for lawful, personal, and non-commercial purposes only. You agree not to:

- Share or resell access to the content or tools.

- Use the materials for misleading or unlawful purposes.

- Attempt to reverse-engineer or disrupt the platform or digital assets.

5. Intellectual Property

All content, digital products, brand assets, and materials available on this Website are the property of FreedomTrack.ai or its licensors.  They are protected by copyright, trademark, and intellectual property laws.  You may not reproduce, distribute, or modify any materials without written permission.

6. Digital Products & Delivery 

Our products are sold through third-party platforms (e.g., Gumroad).  Upon purchase, products are delivered digitally.  All sales are final unless otherwise stated. Refunds are not guaranteed.

7. Third-Party Tools & Affiliate Links 

This Website may contain links to third-party tools or services.  Some links may be affiliate links, meaning we may earn a small commission at no extra cost to you.  We are not responsible for the content, policies, or practices of third-party websites.

8. Privacy & Data Use 

We collect limited personal information (e.g., name and email) only to deliver our services (e.g., via Tally, MailerLite, or Gumroad).  We do not sell your data. 

For more, see our Privacy Policy.

9. Limitation of Liability 

FreedomTrack.ai is not liable for any damages, direct or indirect, arising from the use or inability to use the tools or content provided. Users are responsible for their own financial decisions.

10. Changes to Terms 

We may revise these Terms at any time. Any changes will be posted here, and continued use of the Website constitutes acceptance of those changes.

11. Governing Law 

These Terms are governed by the laws of Queensland, Australia.