Terms of Service

3.1 Account Creation

To use our Services, you must:

• Provide accurate, current, and complete information during registration
• Hold a valid Australian Credit License (ACL) or be an authorized representative
• Be a legitimate mortgage brokerage or related financial services business
• Maintain and update your account information to keep it accurate and current

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Enabling two-factor authentication (2FA) when required
• Immediately notifying us of any unauthorized access or security breach
• Ensuring all users in your organization comply with these Terms

3.3 Account Termination

We may suspend or terminate your account if:

• You breach these Terms or our Acceptable Use Policy
• Your payment is overdue by more than 30 days
• You provide false or misleading information
• Your use poses a security risk or legal liability
• You lose your Australian Credit License

5.1 Pricing

Current pricing is available at brokerflo.com/pricing. All prices are in Australian Dollars (AUD) and exclude GST unless otherwise stated.

We reserve the right to change our pricing with 30 days' notice to existing customers. Price increases will not apply to your current billing period.

5.2 Billing

• Subscription Plans: Billed monthly or annually in advance
• Payment Method: Credit card, debit card, or direct debit (via Stripe)
• Auto-Renewal: Subscriptions renew automatically unless cancelled
• Failed Payments: Service may be suspended if payment fails after 3 attempts
• Invoices: Available in your account dashboard and emailed to billing contact

5.3 Free Trial

We may offer a free trial period. At the end of the trial, you will be charged unless you cancel before the trial ends. We will notify you before charging your payment method.

5.4 Refund Policy

• 14-Day Money-Back Guarantee: Full refund if you cancel within 14 days of first payment
• Pro-Rata Refunds: Not available for mid-month cancellations (access continues until period end)
• Annual Plans: No refunds after 30 days from purchase date
• Exceptional Circumstances: Refunds may be considered at our discretion

5.5 Cancellation

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period. No refunds are provided for the remaining period unless covered by our money-back guarantee.

5.6 Taxes

Prices exclude GST. If GST applies, it will be added to your invoice. You are responsible for any other taxes, duties, or charges imposed by your jurisdiction.

6.1 Our Intellectual Property

The Services, including all software, designs, text, graphics, logos, databases, and other content ("BrokerFlo IP"), are owned by BrokerFlo and protected by Australian and international copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes, subject to these Terms.

6.2 Your Data

You retain all ownership rights to the data you upload to the Services ("Your Data"), including:

• Commission records and financial data
• Lender statements and reports
• Company information and business records
• Any other content you create or upload

By uploading Your Data, you grant us a worldwide, non-exclusive license to use, store, process, and display Your Data solely for the purpose of providing the Services to you.

6.3 Data Export

You may export Your Data at any time in standard formats (CSV, PDF, Excel). Upon account termination, you have 30 days to export Your Data before it is permanently deleted.

6.4 Feedback

Any suggestions, feedback, or ideas you provide about the Services become our property and may be used without compensation or attribution.

7.1 Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted or error-free service. Scheduled maintenance will be communicated in advance when possible.

7.2 Data Accuracy

While we use industry-standard processing algorithms, you are responsible for verifying the accuracy of all commission data and calculations. BrokerFlo is a tool to assist your workflows, not a replacement for professional judgment.

7.3 Disclaimer

7.4 Australian Consumer Law

Our Services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the Services, you are entitled to cancel your subscription and receive a refund. You are also entitled to compensation for any other reasonably foreseeable loss or damage.

11.1 Governing Law

These Terms are governed by the laws of Queensland, Australia. You agree to submit to the exclusive jurisdiction of the courts of Queensland for any disputes.

11.2 Dispute Resolution Process

Before initiating legal proceedings, both parties agree to:

1. Informal Resolution: Contact support@brokerflo.com.au to attempt to resolve the dispute informally within 30 days
2. Mediation: If informal resolution fails, agree to good-faith mediation before proceeding to court
3. Litigation: As a last resort, disputes may be brought before the courts of Queensland

11.3 Class Action Waiver

To the extent permitted by law, you agree to bring claims on an individual basis only, not as part of a class action.

13.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements you enter into with BrokerFlo, constitute the entire agreement between you and BrokerFlo.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision in these Terms does not constitute a waiver of that right or provision.

13.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms to any affiliate or successor entity.

13.5 Force Majeure

Neither party is liable for delays or failures in performance due to circumstances beyond their reasonable control (e.g., natural disasters, government actions, internet outages, pandemics).

13.6 Survival

Sections that by their nature should survive termination (including IP rights, disclaimers, limitations of liability, and dispute resolution) will survive termination of these Terms.