Terms of Use
Last updated: 4 June 2026
These Terms of Use govern your access to and use of the brokerpal platform, website, and related services (the "Platform") operated by brokerpal ("we", "us", "brokerpal"). By registering for an account or joining the waitlist, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Platform.
1. Beta / Pre-Launch Status
The Platform is currently in pre-launch (beta). During this period features, pricing, and functionality may change. We will use reasonable endeavours to notify waitlist members of material changes by email. Paid access is governed by these Terms from the date your subscription commences, and the 30-day money-back guarantee (clause 3) applies from your first payment date.
2. Who May Use brokerpal
The Platform is intended for Australian Credit Licence (ACL) holders and authorised credit representatives operating under the National Consumer Credit Protection Act 2009 (Cth), and their employees and subcontractors. By using brokerpal you represent that you hold, or act under, a current ACL or authorised credit representative appointment, are at least 18 years of age, and will comply with all applicable laws including the NCCP Act, Privacy Act 1988 (Cth), and ASIC responsible lending guidance. brokerpal is not a consumer-facing service and must not be used to process your own personal loan applications.
3. Subscription, Payment, and Refunds
Access is provided on a monthly subscription at fees published on the Platform, charged in advance in Australian dollars (AUD) inclusive of GST. 30-day money-back guarantee: if you are not satisfied within 30 days of your first payment, contact us for a full refund. After the 30-day window, fees are non-refundable except as required by the Australian Consumer Law. We may change pricing with 30 days written notice. Failure to pay may result in suspension or termination. Payments are processed by Stripe; we do not store raw card details.
4. Permitted Use
You may use the Platform solely for lawful back-office mortgage broking purposes. You must not: upload data outside your ACL/credit representative activities; use the Platform for your own personal loan applications or undisclosed conflicts of interest; reverse-engineer, decompile, or extract the Platform source code; resell, sublicence, or white-label access without our written consent; introduce malware or circumvent security controls; use automated scrapers or bulk-extraction tools; or upload material that is unlawful or infringes third-party intellectual property rights.
5. Your Data — Your Responsibilities
You remain the data controller for all client personal and financial information you upload. You confirm that you have obtained all necessary client consents required by the Privacy Act 1988 (Cth) and the Australian Privacy Principles before uploading their documents, that you have provided clients with a compliant Privacy Notice, and that you are solely responsible for the accuracy of information you upload. brokerpal processes client data as your data processor, on your instructions only.
6. AI-Generated Output — Important Limitations
brokerpal uses Google Gemini and related AI technologies to process documents and draft compliance documentation. AI output is a draft tool only. Nothing produced by brokerpal constitutes credit advice, legal advice, compliance certification, or a determination that a loan is "not unsuitable". You must review, verify, and take professional responsibility for every fact-find, BID, or document before submitting it to a lender, aggregator, or client. AI outputs may contain errors or omissions and we do not guarantee accuracy. Red flag detections (gambling, BNPL, income mismatches, undeclared liabilities, etc.) are indicative only. When documents are sent to AI models, the provider may retain submitted data for a limited period under their own terms, even where zero-data-retention settings are applied. You use AI-generated outputs at your own risk and remain solely responsible for your compliance obligations under the NCCP Act.
7. Document Handling and Deletion
Documents you upload are processed to extract data, generate summaries, detect red flags, and assist with compliance documentation. Uploaded documents are stored only as long as needed for processing and can be deleted by you at any time. We maintain transparent records of deletions and keep no hidden archive of your files. brokerpal is a back-office workspace; it is your responsibility to determine what information is used in any formal loan application or lodged with a lender.
8. Intellectual Property
All software, algorithms, models, and Platform content are owned by or licensed to brokerpal. We grant you a limited, non-exclusive, non-transferable licence to use the Platform for permitted purposes. You retain ownership of all data and documents you upload, and grant us a limited licence to process them solely to provide the Platform to you.
9. Service Availability
We will use reasonable endeavours to keep the Platform available but do not guarantee uninterrupted access. We may modify or suspend features with reasonable notice, and will communicate scheduled maintenance in advance where possible.
10. Disclaimer of Warranties
To the maximum extent permitted by law, the Platform is provided "as is" without warranties of any kind. Nothing in these Terms excludes any guarantee or right that cannot be excluded under the Australian Consumer Law.
11. Limitation of Liability
To the maximum extent permitted by law, our total aggregate liability is limited to fees you paid in the 3 months preceding the relevant event. We are not liable for indirect, consequential, or punitive damages including loss of profits, loss of data, or business interruption, nor for loss arising from reliance on AI-generated output without independent verification. Nothing limits liability for fraud, gross negligence, or liability that cannot be excluded by law.
12. Indemnity
You agree to indemnify brokerpal against claims, losses, and costs arising from your breach of these Terms, your reliance on unverified AI output, your failure to obtain proper client consents, or any claim by a client arising from your broking activities.
13. Termination
Either party may terminate with 14 days written notice. We may suspend or terminate immediately for breach, non-payment, or lapse of your ACL/credit representative appointment. On termination, your workspace data will be deleted in accordance with our Privacy Policy. Clauses 5, 6, 8, 11, 12, and 14 survive termination.
14. Governing Law and Disputes
These Terms are governed by the laws of New South Wales, Australia. Disputes will first be referred to good-faith negotiation, then mediation, before either party may commence proceedings. The parties submit to the non-exclusive jurisdiction of the courts of New South Wales.
15. Contact
For any questions about these Terms, contact us at hello@brokerpal.com.au