Terms of Service
1. What HomeCareCompass is
HomeCareCompass is an independent online estimator for Australia’s Support at Home program. The free estimator calculates indicative costs from the details you enter, using the published Australian Government schedules. The paid Decision Pack is a personalised PDF report generated from those same details.
We are independent of the Australian Government and of aged care providers. We are not a government service, an aged care provider, a broker, or an agent for any provider.
2. General information only — not advice
Everything on this site, including the Decision Pack, is general information only. It is not financial advice, legal advice, tax advice, or aged care advice, and it does not take your personal objectives, financial situation or needs into account. Services Australia determines actual contribution rates, and the Department of Health, Disability and Ageing administers the Support at Home program — their determinations prevail over any estimate we produce.
Before acting on anything in an estimate or Decision Pack, consider its appropriateness to your circumstances and, where appropriate, seek advice from a qualified professional. Free, independent aged care advocacy is available from OPAN on 1800 700 600.
3. Estimates and their limits
Estimates are calculated from the government schedules current at the date shown on the page or report, and from the details you enter. They depend on the accuracy of those details. Rates, budgets, caps and rules change over time (they are indexed and amended by government), provider prices vary, and your exact contribution rate is set by Services Australia — so an estimate can differ from your actual costs. Where the rules make an exact figure impossible, we show an honest range rather than false precision.
4. Buying a Decision Pack
- Price. The price is shown on the page and at checkout before you pay. Payments are processed by Stripe; we never see or store your card details.
- Delivery. The Decision Pack is generated automatically after payment and emailed to the address you give at checkout, normally within minutes. Check your spam folder if it hasn’t arrived, and contact us if it still hasn’t — we will re-send it.
- One-off purchase. There is no subscription and no recurring charge.
- Your inputs. The pack is built from the details you entered at the time of purchase. If you made a mistake in your inputs, contact us — we’re reasonable people and will usually regenerate it.
5. Refunds
Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these terms limits those rights. If your Decision Pack is not delivered, is materially faulty, or is not what was described, contact us at hello@homecarecompass.com.au and we will re-supply it or refund you, as the law requires and common decency suggests.
Because the Decision Pack is digital content generated and delivered immediately from your inputs, we don’t offer change-of-mind refunds once it has been delivered — but if something has genuinely gone wrong, talk to us before assuming the worst.
6. Fair use
You may use the estimator and your Decision Pack for personal, family or professional decision-support purposes. You must not scrape, bulk-query or resell the service, misrepresent our outputs as government determinations, remove our attribution or disclaimers from a Decision Pack, or use the site in a way that interferes with its operation for others.
7. Intellectual property
The site, its calculation methodology, content and design are ours. Your Decision Pack is yours to keep, print, and share with your family, advisers and providers. The underlying government schedules and rules are Commonwealth material and remain subject to their own terms.
8. Liability
To the extent permitted by law, and other than the consumer guarantees referred to in section 5, we exclude liability for loss arising from reliance on estimates or reports, from decisions made using them, and from events outside our reasonable control. Where liability cannot be excluded but can be limited, it is limited, at our option, to re-supplying the relevant service or paying the cost of re-supply.
9. Privacy
Our Privacy Policy explains what we collect and how we handle it. The short version: as little as possible, and never sold.
10. Changes to these terms
We may update these terms from time to time. The effective date at the top will change when we do. Changes apply from publication and don’t affect purchases already made.
11. Governing law
These terms are governed by the laws of Victoria, Australia.