UpVal Terms & Conditions

Effective date: 3 July 2026
Last updated: 3 July 2026

1. About these Terms

These Terms & Conditions (Terms) govern your access to and use of UpVal, including our website at upval.io, our application at app.upval.io, and any related services, tools, reports, project pages, request-for-quote tools, builder tools, communications and content we make available (together, the Service).

The Service is operated by UpVal Pty Ltd (ABN 88 699 872 243, ACN 699 872 243) (UpVal, we, us or our), a company incorporated in Australia and based in New South Wales, Australia.

By creating an account, clicking to accept these Terms, accessing the Service, uploading information, requesting an UpVal output, submitting a quote or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, you must not use the Service.

If you use the Service on behalf of a company, partnership, trust, builder, trade business, agency or other organisation, you confirm that you are authorised to bind that organisation, and you includes both you personally and that organisation.

2. Eligibility

To use the Service, you must be at least 18 years old and have the legal capacity to enter into these Terms.

The Service is currently designed for properties and users in New South Wales, Australia. You must not use the Service for properties outside our supported locations unless the Service expressly states that the relevant location is supported.

We may, acting reasonably, refuse, suspend or restrict access to the Service where required by law, where we reasonably believe there is misuse or risk to users, or where we reasonably consider the Service is not appropriate for the relevant project, property or user.

3. What UpVal is

UpVal is a renovation decision-and-preparation layer. It helps homeowners, buyers, investors, builders and trade professionals move from property uncertainty toward builder-ready action by generating first-pass cost ranges, value-uplift indications, planning-pathway flags, editable scopes, scenarios, reports and tools to prepare and exchange requests for quote (RFQs) and quotes.

UpVal may help you:

• upload and organise addresses, floorplans, photos, project notes and renovation goals;

• generate first-pass renovation reports, scopes, assumptions, planning-pathway flags, budget ranges and timeline estimates;

• compare potential renovation options and prepare a clearer brief;

• share project information with a builder, trade professional or collaborator you choose;

• prepare or receive RFQs, quotes and related project information; and

• manage early-stage renovation preparation and communication.

4. What UpVal is not

UpVal provides general information, decision support and first-pass guidance only. You acknowledge and agree that:

• UpVal is not statutory, planning, building, engineering, surveying, architectural, certification or council advice. Planning-pathway indicators, constraints, risk flags and approval references are indicative only and depend on final design, site conditions, certificates, professional assessment and the decisions of the relevant council, certifier, authority or other decision-maker.

• UpVal is not financial, investment, valuation, tax, legal, insurance or lending advice. Cost ranges, value-uplift indications, rental-uplift indications, feasibility outputs and other figures are estimates with inherent uncertainty. They are not guarantees, formal valuations, quantity-surveyor reports, tax advice, legal advice or professional cost estimates.

• UpVal is not a builder, building contractor, project manager, architect, designer, planner, certifier, engineer, surveyor, quantity surveyor, conveyancer, real estate agent, mortgage broker or insurer. Unless we expressly agree otherwise in writing, we do not perform building work, supervise building work, certify building work, lodge applications, manage approvals or act as agent for any builder or homeowner.

• Outputs are generated with the assistance of artificial intelligence and automated processing. They may be incomplete, inaccurate, outdated or based on assumptions that do not match the final site conditions, final design, professional advice, market conditions, council position or builder pricing.

• UpVal does not guarantee any outcome, including any particular approval, cost, quote, timeline, valuation, uplift, resale result, rental result, availability of a builder, quality of building work or commercial result.

You are responsible for the decisions you make and for obtaining your own professional, statutory, financial and legal advice before acting on any UpVal output.

5. Your responsibility to verify outputs

Before relying on or acting on any UpVal output, you must check the output carefully and obtain any professional advice appropriate to your circumstances.

Without limiting this obligation, you should verify:

• property title, boundaries, easements, zoning, heritage status, overlays and planning controls;

• council, certifier and authority requirements;

• measurements, areas, quantities, structural assumptions and site conditions;

• scope, materials, fixtures, finishes and specifications;

• licences, insurances, references and suitability of any builder or trade professional;

• quotes, contracts, payment schedules and deposit requirements;

• taxation, lending, insurance, valuation and investment implications; and

• whether any required approval, consent, certificate, licence, permit, contract or insurance is in place before work starts or money is paid.

If an output appears wrong, uncertain, incomplete or inconsistent with other information you hold, you must not rely on it unless it has been independently verified.

6. Builder and trade network

UpVal may operate or facilitate access to a curated network of builders and trade professionals and may help users exchange project information, RFQs, quotes, assumptions, schedules and related communications.

You acknowledge and agree that:

• builders, trade professionals, consultants and other third-party users are independent third parties and are not employees, agents, representatives, partners or subcontractors of UpVal;

• inclusion, listing, matching, curation, introduction, ranking, score, badge, invitation or availability on UpVal is not a guarantee or endorsement of any third party's licence, insurance, solvency, capacity, availability, workmanship, conduct, quote, price, timeline or suitability;

• UpVal may carry out limited onboarding, curation or information checks, but these checks are not a substitute for your own due diligence;

• UpVal is not a party to any building contract, quote, RFQ, engagement, consultancy, variation, payment arrangement or building works between users, unless UpVal expressly states in writing that it is a party to that specific arrangement;

• any arrangement for building, renovation, design, consultancy, supply, trade work or related services is solely between the relevant users or third parties; and

• to the maximum extent permitted by law, UpVal is not responsible for the acts, omissions, representations, quotes, work, delays, defects, disputes, licence status, insurance status, insolvency or conduct of any builder, trade professional, consultant or other third party.

7. NSW residential building protections

Because UpVal is currently designed for New South Wales renovation projects, the following additional protections apply.

7.1 For homeowners, buyers and property users

Before engaging a builder or trade professional, you should independently check that they:

• hold the licences required for the work they will perform;

• hold appropriate insurance, including Home Building Compensation Fund cover where required;

• have provided a written contract where required;

• have provided a lawful payment schedule and deposit request;

• have given you enough information to understand scope, exclusions, provisional items, assumptions, timelines and variation processes; and

• are suitable for your project.

For NSW residential building work, you should be aware that:

• a written contract is generally required for home building work over the applicable statutory threshold;

• statutory deposit limits may apply;

• Home Building Compensation Fund cover may be required for projects over the applicable statutory threshold before work starts or payment is accepted; and

• requirements may change, so you should check the current NSW Government, Building Commission NSW, Fair Trading NSW or other official guidance before signing or paying.

7.2 For builders and trade professionals

If you use the Service as a builder, trade professional or professional user, you represent and warrant that:

• you hold all licences, registrations, qualifications, insurances and approvals required for the work, services and locations you represent that you can perform;

• all business, licence, insurance, pricing, quote, capacity, availability and service-area information you provide is accurate, current and not misleading;

• you will comply with all applicable laws, including the Home Building Act 1989 (NSW), the Australian Consumer Law, applicable safety laws, employment laws, insurance obligations and industry-specific licensing requirements;

• you will not request or accept an unlawful deposit, progress payment or other payment;

• you will provide required contracts, notices, certificates and insurance evidence directly to the customer where required by law; and

• you will not represent that UpVal has approved, guaranteed, certified, supervised or endorsed your work unless we have expressly authorised that representation in writing.

7.3 UpVal documents are not building contracts

Unless expressly stated otherwise in a separate written agreement, an UpVal report, scenario, scope, estimate, RFQ, quote comparison, quote book, project page, schedule, assumption list or communication is a preparation and information document only. It is not a residential building contract, variation, approval, certificate, insurance certificate, statutory notice or professional report.

You must not treat an UpVal output as a substitute for a compliant written building contract, professional advice, council or certifier decision, licence check, insurance certificate, project-specific approval or statutory requirement.

8. Accounts and security

You must provide accurate, current and complete information when creating an account and using the Service. You must keep your information up to date.

You are responsible for maintaining the confidentiality and security of your login credentials and for all activity under your account, except to the extent caused by UpVal's breach of these Terms, negligence or unlawful conduct. You must notify us promptly if you become aware of unauthorised access, suspected compromise or a security issue.

We may require identity, business, licence, insurance, payment or other verification before providing access to particular features.

9. Your Content

Your Content means all information, files, floorplans, images, addresses, budgets, project details, scope notes, quotes, messages, documents and other materials you submit, upload, generate, send, receive or make available through the Service.

You retain ownership of Your Content. You grant UpVal a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process, adapt, transmit, display and use Your Content solely to:

• operate, provide, secure, maintain and improve the Service;

• generate UpVal outputs and related project materials;

• share Your Content with users or third parties you choose to involve in a project;

• process Your Content through our service providers and AI providers;

• provide support, resolve disputes, investigate misuse and protect the Service; and

• create aggregated or de-identified data that does not reasonably identify you or your property.

You represent and warrant that you own or have the rights and permissions needed to submit Your Content, that your submission and our permitted use of Your Content will not breach any law or third-party right, and that Your Content is accurate to the best of your knowledge.

You are responsible for keeping your own copies of important documents, files and communications. The Service is not intended to be your only record-keeping system.

10. UpVal outputs and intellectual property

The Service, including its software, workflows, user interface, design, text, prompts, systems, branding, templates and output formats, is owned by UpVal or its licensors and is protected by law.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purpose.

You may use UpVal outputs generated for your own project for legitimate personal or internal business purposes, including discussing your project with professional advisers, councils, certifiers, builders, trades and other project participants. You must not sell, resell, scrape, bulk-export, redistribute, repackage or use the Service or its outputs to build, train or improve a competing product or service without our written consent.

11. Acceptable use

You must not:

• use the Service unlawfully, fraudulently or in breach of these Terms;

• upload or submit content that is unlawful, infringing, misleading, defamatory, malicious, confidential without permission, or that you have no right to share;

• misrepresent your identity, authority, property ownership, business status, licence status, insurance status, qualifications, availability or relationship with another person;

• use the Service to give legal, planning, building, engineering, financial, valuation, tax or other regulated advice unless you are properly qualified and authorised to do so;

• attempt to gain unauthorised access to the Service, another account, another project, our systems or our service providers;

• interfere with, overload, disrupt, reverse engineer, scrape, copy, benchmark or monitor the Service except as permitted by law or agreed by us in writing;

• upload malware, harmful code or content designed to damage, disable, intercept or interfere with systems or data;

• use the Service, outputs, prompts, data, UI, structure or workflows to develop, train or improve a competing product or service;

• use the Service to harass, threaten, discriminate, spam, mislead or harm any person; or

• do anything that could damage UpVal, the Service, other users or the integrity of the builder/trade network.

12. Fees, subscriptions and payments

Some parts of the Service are free and others are paid. Current plans, inclusions, limits, prices and billing periods are shown within the Service or on our website.

Unless stated otherwise:

• fees are payable in Australian dollars;

• prices displayed to consumers are inclusive of GST where GST applies;

• payments are processed by Stripe or another payment provider we identify;

• by subscribing, upgrading or purchasing, you authorise us and our payment provider to charge your payment method for the applicable fees;

• a tax invoice or receipt will be provided or made available where required; and

• you are responsible for ensuring your payment details are current.

12.1 Subscriptions and renewal

Paid subscriptions renew automatically for the applicable billing period unless cancelled before renewal. We will make renewal terms available before you subscribe. You can cancel through the Service where that functionality is available, or by contacting us.

Cancellation takes effect at the end of the current paid billing period unless we agree otherwise or the law requires otherwise. You will continue to have access to the relevant paid features until the end of that period, subject to these Terms.

12.2 Refunds and consumer guarantees

Except where required by law, fees are not refundable merely because you change your mind, stop using the Service, no longer need the Service or cancel partway through a billing period.

Nothing in these Terms excludes, restricts or modifies your rights under the Australian Consumer Law or any other law that cannot be excluded. If you are entitled to a remedy under the Australian Consumer Law, we will provide that remedy.

12.3 Changes to pricing or plans

We may change our pricing, plans, inclusions, limits or paid features from time to time. We will give reasonable notice of changes that materially affect an active paid subscription.

A price increase will not apply to your current paid billing period unless you agree. If a material change to paid features substantially reduces what you purchased for the then-current paid period, you may cancel and request a reasonable pro-rata refund or credit for the unused affected portion, unless the change was required by law, security, misuse prevention or a third-party service issue outside our reasonable control.

12.4 Third-party payments and building work payments

If the Service enables payments, invoices, deposits or payment links connected with builders, trades, suppliers or other third parties, those payments are between the relevant parties unless UpVal expressly states otherwise in writing.

You must not treat any UpVal payment flow as confirmation that a builder or trade professional has complied with licensing, contract, insurance, deposit, Home Building Compensation Fund or other legal requirements. Before paying a deposit or other amount for building work, you should confirm that all required contracts, certificates, insurance and statutory requirements are in place.

13. Communications and marketing

We may send you service, security, billing, project, RFQ, quote, account and transactional communications that are necessary or useful for providing the Service.

We may send marketing communications only where permitted by law. Marketing communications will identify the sender and include a lawful unsubscribe or opt-out mechanism where required. We will continue to send non-marketing service communications where necessary to operate your account or project.

14. Privacy

Our collection, use, holding and disclosure of personal information is described in our Privacy Policy, which forms part of these Terms.

You must not submit personal information about another person unless you have authority to do so and, where required, have made them aware of our Privacy Policy.

15. Third-party services and external resources

The Service relies on and may link to third-party services and external resources, including Supabase, Stripe, Anthropic, analytics providers, error-tracking providers, mapping providers, email providers, council websites, NSW Government websites, planning resources and builder/trade websites.

Third-party services and external resources are governed by their own terms, policies and availability. To the maximum extent permitted by law, we are not responsible for third-party services, external websites, third-party content, outages, decisions, data, pricing, changes or failures.

16. Service availability and changes

We aim to provide a useful, reliable and secure Service, but we do not guarantee that the Service will be uninterrupted, error-free, always available, always accurate or free from loss, corruption, cyber incident or delay.

We may, acting reasonably, modify, suspend, withdraw, replace or discontinue parts of the Service, including for security, maintenance, legal compliance, third-party provider changes, misuse prevention, product improvement or genuine business reasons. Where practicable, we will give reasonable prior notice of a change that we consider would materially and adversely affect your use of a paid feature.

Where a change materially and adversely affects an active paid subscription, we will take reasonable steps to notify affected users and, in addition to your rights under section 12.3 and the Australian Consumer Law, you may cancel the affected subscription and receive a pro-rata refund or credit for the unused portion of the period you have paid for.

17. Suspension and termination

You may stop using the Service at any time and may request account closure by contacting us.

We may suspend, restrict or terminate your access to the Service if:

• you breach these Terms;

• you fail to pay fees when due;

• we reasonably suspect fraud, unlawful conduct, security risk, misuse, misleading information or harm to another user;

• we reasonably consider that your use creates a material legal, regulatory, operational, security or reputational risk;

• required by law, a court, regulator or payment provider; or

• we discontinue the Service or relevant part of it.

Where reasonable in the circumstances, we will give notice and an opportunity to respond before suspension or termination. We may act immediately where we reasonably consider it necessary to protect users, third parties, the Service, evidence, security or legal compliance.

Any suspension will be limited to what we reasonably consider necessary and will be lifted once the relevant issue is resolved. If we suspend or terminate your access other than because of your breach or conduct — for example, because we discontinue the Service or a paid feature — we will refund a pro-rata portion of any prepaid fees for the unused period.

On termination, your right to use the Service ends. Sections that by their nature should survive termination continue to apply, including sections 4 to 7, 9 to 15 and 18 to 24.

18. Australian Consumer Law and Non-excludable Rights

Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right, remedy or warranty that you have under the Competition and Consumer Act 2010 (Cth), including the Australian Consumer Law, or any other law that cannot lawfully be excluded, restricted or modified (Non-excludable Rights).

Our services may come with guarantees that cannot be excluded under the Australian Consumer Law. Where we are permitted to limit our liability for a failure to comply with a consumer guarantee or other Non-excludable Right, our liability is limited, at our option, to re-supplying the relevant service or paying the cost of having the relevant service re-supplied.

19. Disclaimers

Subject to your Non-excludable Rights, and to the maximum extent permitted by law:

• the Service and all outputs are provided as is and as available;

• we do not warrant that the Service or outputs will be accurate, complete, current, fit for a particular purpose, suitable for your project, uninterrupted, error-free, secure or free from harmful components;

• we do not warrant that any cost range, value-uplift indication, planning-pathway flag, timeline, scope, builder match, RFQ, quote or other output will be achieved, accepted, approved or correct;

• we do not warrant any builder, trade professional, consultant, supplier, council, certifier, authority, third-party website, third-party service or external resource; and

• you remain responsible for independent verification, professional advice and final decisions.

20. Limitation of liability

Subject to your Non-excludable Rights, and to the maximum extent permitted by law:

• we are not liable for indirect, incidental, special, consequential, exemplary or punitive loss or damage;

• we are not liable for loss of profit, revenue, savings, goodwill, opportunity, business interruption, data, reputation, property value, rental value, expected uplift or expected outcome;

• we are not liable for loss or damage arising from your reliance on outputs, estimates, assumptions, planning indicators or AI-generated content where you have not obtained appropriate independent verification;

• we are not liable for the acts, omissions, representations, quotes, work, delays, defects, disputes, insolvency, licence status, insurance status or conduct of builders, trade professionals, suppliers, consultants or other third parties; and

• our total aggregate liability arising out of or in connection with the Service is limited to the greater of: (a) the total fees you paid to UpVal for the Service in the 12 months before the event giving rise to the liability; and (b) AUD $1,000.

Nothing in these Terms limits or excludes liability to the extent that liability cannot be limited or excluded by law, including liability for fraud, wilful misconduct or a breach of your Non-excludable Rights.

21. Indemnity

To the maximum extent permitted by law, you agree to indemnify UpVal and its officers, employees and contractors against loss, damage, liability and reasonable costs (including reasonable legal costs) to the extent they arise from and are reasonably attributable to:

• your breach of these Terms;

• your unlawful, negligent or fraudulent use of the Service;

• Your Content;

• your misrepresentation of identity, ownership, authority, licence, insurance, qualification or business status;

• your dealings with another user, builder, trade professional, supplier, consultant or third party; or

• your breach of any law or third-party right.

You are not required to indemnify us to the extent the relevant loss, damage, liability or cost is caused by UpVal's breach of these Terms, negligence, fraud, wilful misconduct or unlawful act.

22. Complaints and dispute resolution

If you have a complaint or dispute, please contact us first using the details in section 24 so we can try to resolve it quickly and in good faith.

This section does not prevent either party from seeking urgent injunctive or equitable relief, contacting a regulator, exercising rights under the Australian Consumer Law, or taking any action that cannot lawfully be restricted.

23. Governing law

These Terms are governed by the laws of New South Wales, Australia. You and UpVal submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts entitled to hear appeals from those courts.

24. General

Changes to these Terms. We may update these Terms from time to time to reflect changes to the Service, our providers, our business, or legal or regulatory requirements. We will post the updated Terms with a new Last updated date and, where a change is material, take reasonable steps to notify you in advance — for example, through the Service or by email — before it takes effect. Material changes will not apply retrospectively. If you do not agree to an updated version, you may stop using the Service and close your account before the change takes effect. Your continued use of the Service after that time means you accept the updated Terms, except where the law requires a different form of consent.

If any provision of these Terms is found to be void, invalid or unenforceable, it will be severed or read down to the minimum extent necessary, and the remaining provisions continue in effect.

Our failure to enforce a right is not a waiver of that right.

You may not assign, novate or transfer your rights or obligations under these Terms without our written consent. We may assign, novate or transfer these Terms as part of a merger, restructure, sale of business, transfer of assets or change in control, provided this does not materially reduce your rights under these Terms.

These Terms, together with the Privacy Policy and any plan-specific or feature-specific terms presented to you, form the entire agreement between you and UpVal regarding the Service.

25. Contact

UpVal Pty Ltd
ABN 88 699 872 243
ACN 699 872 243
7 Vista Street, Mosman NSW 2088, Australia
Email: hello@upval.io
Phone: +61 466 539 998