Last updated: 1 January 2026
1. Acceptance of Terms
By accessing and using the Penny Black website or engaging our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.
2. Our Services
Penny Black provides premium property advisory services including buyer advocacy, off-the-plan guidance, downsizing consultations, and investment strategy. Our services are advisory in nature and are tailored to individual client circumstances. Formal engagement is subject to a separate advisory agreement.
3. No Financial Advice
The information provided on this website and through our advisory services does not constitute financial, legal, or tax advice. All content is of a general nature and does not take into account your individual financial situation or objectives. We recommend seeking independent professional advice before making any property or investment decisions.
4. Limitation of Liability
To the fullest extent permitted by law, Penny Black shall not be liable for any indirect, incidental, special, or consequential damages arising from or related to the use of our website or services. Our liability in respect of any claim shall not exceed the fees paid by you for the specific service giving rise to the claim.
5. Intellectual Property
All content on this website - including text, graphics, logos, images, and software - is the property of Penny Black or its licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.
6. Website Use
When using our website, you agree not to:
- Use the website for any unlawful purpose or in violation of these terms
- Attempt to gain unauthorised access to any systems or data
- Transmit any malicious code, viruses, or harmful content
- Collect or harvest personal information of other users
- Use automated systems to access the website without permission
7. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of these external sites. Inclusion of any link does not imply endorsement by Penny Black.
8. Indemnification
You agree to indemnify and hold harmless Penny Black, its directors, officers, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of our website or services, or your breach of these terms.
9. Modifications
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to this page with an updated revision date. Your continued use of our website or services after such changes constitutes acceptance of the revised terms.
10. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Victoria, Australia. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Victoria.
11. Contact
For questions regarding these Terms and Conditions, please contact us at:
Email: hello@pennyblack.au
Phone: +61 3 9000 0000
Address: Level 14, 350 Collins Street, Melbourne VIC 3000