1. Use of the Website
You must not:
Use bots, scrapers, or automated tools to copy or extract data without permission.
Interfere with the Website or Platform (including spreading malware or overloading servers).
Reverse engineer, copy, modify, or reuse our content or software without written consent.
Post content that is illegal, abusive, obscene, defamatory, or violates someone else’s rights.
Share confidential information without permission.
Use the Website or Platform for any unlawful purpose.
2. Quick Funding Profiles (Accounts)
Registration
You must create an account to use the Platform.
Investors register using an email and password.
Borrowers can create an account only after loan approval.
You may have only one account unless acting in different legal capacities.
You must provide accurate and up-to-date information.
We may suspend or terminate your account if information is false or you violate these terms.
We may verify your identity using third-party services.
All registrations are protected using secure encryption.
Login & Security
You are responsible for keeping your login details secure.
Do not share your password with anyone.
Notify us immediately if your account is used without authorization.
Use strong passwords and change them regularly.
3. Investors – Using the Platform
You must apply and be approved as an Investor.
Read the Product Disclosure Statement (PDS) before investing.
Lending Orders remain active until matched, withdrawn, or cancelled.
You choose the interest rate, but cannot select specific Borrowers.
We are not responsible for errors you make while placing orders.
Once matched, Lending Orders cannot be changed or withdrawn.
Unmatched Lending Orders can be withdrawn anytime.
4. Borrowers – Using the Platform
We conduct credit checks and identity verification before approval.
A Risk Assurance Charge (RAC) may apply and is non-refundable, even if you repay early.
Loan terms, interest rates, and fees are defined in your Loan Contract.
Borrowing Orders cannot be changed once matched.
You cannot choose specific Investors.
If you breach these terms, we may cancel your orders and demand immediate repayment.
5. Orders & Platform Control
Orders can only be placed through our Platform.
Once matched, Orders cannot be modified.
We may refuse, suspend, or remove Orders at our discretion.
Platform availability is not guaranteed at all times.
6. Loan Repayments
Borrowers must repay loans as per the Loan Contract.
Early repayment may be allowed (check your contract).
If you miss or expect to miss a payment, contact us immediately.
7. Investor Reinvestment Option
Investors may choose to automatically reinvest repayments.
Orders are created based on your selected preferences.
You will be notified when reinvestments are matched.
8. Use of Services
You must not:
Impersonate others or provide false information.
Use another person’s account without permission.
Create fake accounts or misuse personal data.
We may monitor or record communications for security and compliance.
9. Your Responsibilities
You confirm that:
You are responsible for all activity on your account.
All information you provide is true and accurate.
You will not hide or manipulate your IP address.
If acting for a company or trust, you confirm you are authorized to do so.
10. Communications
Official notices must be sent via the contact details on our Website.
11. Liability & Indemnity
You are responsible for losses caused by your fraud or false information.
We are not liable for indirect losses, system failures, or events beyond our control.
Our liability is limited to the maximum extent allowed by law.
Consumer rights under Australian law remain unaffected.
12. Intellectual Property
All content, design, trademarks, and data belong to us.
You may not copy or reuse any part without written permission.
Unauthorized use may lead to legal action.
13. Assignment
You cannot transfer your rights without our permission.
We may transfer our rights to related entities.
14. Platform Access
These terms apply regardless of how you access the Platform.
Additional terms may apply to mobile apps or APIs.
15. Third-Party Links
We are not responsible for content on third-party websites.
16. Severability
If any part of these terms is invalid, the rest remain enforceable.
17. Dispute Resolution
Contact us first with complaints.
We aim to resolve complaints within 45 days.
If unresolved, you may contact AFCA.
18. Governing Law
These terms are governed by the laws of New South Wales, Australia.