Terms of Service

1. Definitions

• "Platform": The Brokerbench web application, API, and related services accessible at brokerbench.com.
• "Broker": A licensed mortgage broker or credit representative who uses the Platform to manage client onboarding.
• "Client": A borrower or end user who accesses the Platform via a broker-issued link.
• "User": Any person who accesses the Platform, including Brokers and Clients.
• "Content": Any data, documents, text, images, or other material uploaded to or generated by the Platform.

2. Eligibility and Account Registration

To use the Platform as a Broker, you must be:

• An individual or business entity legally authorised to offer credit assistance in Australia.
• Registered with a licensed credit provider or aggregator, or holding your own ACL.
• At least 18 years of age.

You are responsible for maintaining the security of your account credentials. You must notify us immediately at hello@brokerbench.com if you suspect any unauthorised access.

3. Subscription and Payment

Access to certain features requires a paid subscription. By subscribing:

• You authorise us to charge your nominated payment method on a recurring basis (monthly or annual, as selected).
• Subscription fees are non-refundable except where required by Australian Consumer Law.
• We reserve the right to change pricing with 30 days' written notice. Continued use after notice constitutes acceptance.
• Annual subscriptions are billed in full upfront. Monthly subscriptions are billed on the same date each month.
• Failure to pay may result in suspension or termination of your account.

4. Acceptable Use

You agree to use the Platform only for lawful purposes. You must not:

• Misrepresent your identity, qualifications, or licensing status.
• Upload malicious code, viruses, or any material that disrupts the Platform.
• Attempt to gain unauthorised access to any part of the Platform or its infrastructure.
• Use the Platform to engage in misleading or deceptive conduct.
• Scrape, copy, or reproduce Platform content without our prior written consent.
• Use the Platform in any way that violates applicable laws, including the National Consumer Credit Protection Act 2009.

5. Intellectual Property

All intellectual property in the Platform — including software, design, trademarks, and content created by us — remains the exclusive property of Brokerbench. Nothing in these Terms grants you any ownership rights in the Platform.

You retain ownership of Content you upload. By uploading Content, you grant us a limited, non-exclusive licence to store, process, and display that Content solely for the purpose of providing the service to you.

6. Privacy and Data

Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms. As a Broker, you are also responsible for ensuring your use of the Platform complies with your obligations under the Privacy Act 1988 (Cth) and any applicable state or territory legislation.

7. Disclaimers and Limitation of Liability

The Platform is provided “as is”. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Brokerbench is a workflow and client management tool. We do not provide financial advice, credit assessments, or lending decisions. Brokers remain solely responsible for the accuracy of information submitted to lenders and compliance with all regulatory obligations.

To the extent permitted by law, our total liability to you for any claim arising from these Terms or your use of the Platform shall not exceed the fees paid by you in the three months preceding the claim.

8. Termination

You may cancel your subscription at any time via your account settings. Cancellation takes effect at the end of the current billing period.

We may suspend or terminate your account immediately if you breach these Terms, fail to pay amounts due, or if we reasonably believe your use poses a risk to other users or the Platform. On termination, your right to access the Platform ceases. We will retain your data in accordance with our Privacy Policy and applicable law.

9. Governing Law and Disputes

These Terms are governed by the laws of Queensland, Australia. Any dispute arising from these Terms shall first be subject to good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be referred to mediation before any legal proceedings are commenced.

Nothing in this clause prevents either party from seeking urgent injunctive relief from a court of competent jurisdiction.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or in-app notification at least 14 days before they take effect. Your continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms? Contact us: