Terms and Conditions of Use


Effective Date: 18.3.2025

Welcome to brokerology.ai ("Website"), operated by Loans Only Pty Ltd ("Loans Only," "we," "our," or "us"). By accessing, browsing, or using our Software-as-a-Service (SaaS) products ("Services"), you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully. If you do not agree with these Terms, you must not use our Services.

These Terms are governed by the laws of Australia and comply with relevant legislation including the National Consumer Credit Protection Act 2009 (NCCP Act), the Privacy Act 1988 (Cth), the Australian Consumer Law (ACL), and any other applicable laws and regulations.


These Terms are governed by the laws of Australia and comply with relevant legislation including the National Consumer Credit Protection Act 2009 (NCCP Act), the Privacy Act 1988 (Cth), the Australian Consumer Law (ACL), and any other applicable laws and regulations.


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1. Acceptance of Terms

By using our Services, you confirm that you have read, understood, and accepted these Terms. If you use our Services on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.


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‍2. SaaS Licence Agreement


2.1 Licence Grant: We grant you a limited, non-exclusive, non-transferable, and revocable licence to access and use our Services for lawful purposes consistent with your business operations.


2.2 Restrictions: You may not:

  • Modify, reverse-engineer, decompile, or disassemble the Services.
  • Use the Services for unlawful, abusive, or fraudulent activities.
  • Resell, sub-license, or distribute the Services without our written consent.

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3. Intellectual Property (IP)

3.1 Ownership: All content, software, code, trademarks, logos, text, graphics, and other materials provided through our Services ("IP") remain the exclusive property of Loans Only and its licensors.

3.2 Usage: You may only use our IP to the extent necessary for your authorised use of the Services.


3.3 Prohibited Actions: You must not use our IP for competitive purposes or in any manner that infringes on our rights.


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4. Privacy and Data Usage


4.1 Privacy Compliance: We handle personal information in compliance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Please refer to our Privacy Policy for details.

4.2 Data Collection: We collect, process, and store information provided by you to deliver and improve our Services.

4.3 Third-Party Sharing: We will not share personal information with third parties unless required by law or as detailed in our Privacy Policy.

4.4 User Obligations: You must ensure that any personal information you provide has been lawfully obtained and is used in accordance with applicable privacy laws.

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5. Use of Services

5.1 Authorised Use: You agree to use the Services solely for lawful purposes.

5.2 Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

5.3 Prohibited Conduct: You must not:

  • Upload malicious software (e.g., viruses, malware).
  • Interfere with the performance of the Services.
  • Use the Services in violation of any law or regulation.

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6. Payment Terms

6.1 Pricing and Payment: Fees for the Services are specified on our Website. Payments must be made in accordance with the payment terms provided.

6.2 GST: All fees are quoted exclusive of Goods and Services Tax (GST) unless specified otherwise.

6.3 Non-Payment: Failure to pay fees by the due date may result in suspension or termination of your access to the Services.

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7. Limitation of Liability

7.1 Consumer Guarantees: Our Services come with guarantees that cannot be excluded under the ACL.

7.2 Exclusions: To the maximum extent permitted by law, we exclude liability for:Indirect, incidental, or consequential damages.Loss of profits, revenue, or data.

7.3 Cap on Liability: Our total liability to you for any claim arising out of or relating to these Terms will not exceed the total fees paid by you for the Services in the 12 months preceding the claim.


8. Indemnity

You agree to indemnify and hold harmless Loans Only from any claims, damages, liabilities, costs, and expenses arising from your use of the Services, breach of these Terms, or violation of any law.

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9. Termination

9.1 Termination by You: You may terminate your account at any time by providing written notice.

9.2 Termination by Us: We may terminate or suspend your access to the Services if you breach these Terms or for any other reasonable reason with notice.

9.3 Effect of Termination: Upon termination, your access to the Services will cease, but you remain responsible for any fees incurred prior to termination.

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10. Amendments

We reserve the right to amend these Terms at any time. Changes will be posted on our Website, and your continued use of the Services after such changes constitute your acceptance.

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11. Dispute Resolution

11.1 Good Faith Negotiations: Parties must first attempt to resolve disputes through good faith negotiations.

11.2 Mediation/Arbitration: If unresolved, the dispute shall be referred to mediation or arbitration in accordance with Australian law.

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12. Miscellaneous

12.1 Severability: If any provision of these Terms is held invalid, the remaining provisions remain in full force.

12.2 Entire Agreement: These Terms constitute the entire agreement between you and Loans Only regarding the Services.

12.3 Jurisdiction: These Terms are governed by the laws of New South Wales, Australia, and you submit to the exclusive jurisdiction of its courts.
For any questions regarding these Terms, please contact us at hello@brokerology.ai.

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Thank you for choosing brokerology.ai.