Terms of Service

Last updated: [RAMI TO CONFIRM: launch date, e.g. 12 May 2026]

1. About these terms

These Terms of Service ("Terms") apply when you engage Grow Broker ("we", "us", "our") — operated by [RAMI TO CONFIRM: legal entity, e.g. "Grow Broker Pty Ltd"] (ABN [RAMI TO CONFIRM: ABN]) — for any of our services.

By engaging us, signing a proposal, or making payment, you agree to these Terms. If you don't agree, please don't proceed.

2. What we provide

We install AI-powered systems into Australian mortgage broking businesses, which may include:

• AI lead response — automated qualification, SMS conversations, and call booking
• CRM and loan pipeline configuration using third-party platforms (primarily GoHighLevel)
• AI receptionist and automated phone handling
• Automated follow-up sequences and re-engagement workflows
• Referral partner reporting systems
• Reputation management automation
• Integration with aggregator software
• Ongoing support, optimisation, and account management

The specific services we provide to you will be set out in your proposal or service agreement.

3. What we don't provide

To be clear about scope, we do not:

• Provide credit, lending, financial advice, or any service that requires an Australian Credit Licence or AFSL
• Process loan applications, lodge submissions, or perform any function reserved for licensed mortgage brokers
• Guarantee specific lead volumes, conversion rates, or revenue outcomes
• Take ownership of, or responsibility for, the day-to-day broking decisions in your business

You remain responsible for your own compliance, professional obligations, and the regulated conduct of your broking business.

4. Fees and payment

Setup fee

A one-time setup fee, payable upfront before we begin work. The amount is set out in your proposal. The setup fee covers the configuration, installation, and onboarding of the systems we agreed to build.

Monthly fee

An ongoing monthly fee covers platform access, maintenance, support, and (depending on tier) ongoing services like reporting, optimisation, account management, and marketing delivery. The monthly fee is charged in advance.

Usage fees

Some services incur usage-based costs (SMS, voice calls, AI conversations). These are billed at cost plus a reasonable margin, or bundled into your plan, as set out in your proposal.

Payment terms

Invoices are payable on the date issued. Payments are processed through Stripe. We reserve the right to suspend services for accounts more than 14 days overdue, and to charge reasonable recovery costs for collection of overdue amounts.

GST

All fees are exclusive of GST unless stated otherwise. GST will be added where applicable.

Price changes

We may adjust our monthly fees with at least 30 days' written notice. If you don't accept a price change, you may cancel before the new pricing takes effect.

5. 30-day money-back guarantee on setup

If, within 30 days of your system going live, we have failed to deliver the core services set out in your proposal, you can request a refund of your setup fee. To qualify:

• You must notify us in writing within the 30-day window
• You must have provided the access, information, and onboarding inputs we reasonably required
• The shortfall must relate to our delivery — not to external factors outside our control (e.g. third-party platform outages, your aggregator's policies, your own staff using or not using the system)

Monthly fees and usage fees are not refundable beyond any unused portion of the current billing cycle.

6. Your obligations

To allow us to deliver, you agree to:

• Provide the access, branding, content, and onboarding information we reasonably need
• Respond to requests for information within a reasonable timeframe
• Hold all necessary licences, registrations, and approvals to operate your broking business
• Ensure your use of our systems complies with all applicable Australian laws, including the Privacy Act, Spam Act, Do Not Call Register Act, and the National Consumer Credit Protection Act
• Not use our systems to send unsolicited marketing or to contact anyone without proper consent
• Maintain your own backups of important customer and lead data

7. Intellectual property

Our IP: Our methods, workflows, templates, training materials, internal documentation, and proprietary configurations remain our property. You receive a non-exclusive licence to use them within your business while you remain a client.

Your IP: Your brand, content, customer data, and lead data remain your property at all times. We claim no ownership over data that flows through systems we configure for you.

Third-party platforms: Systems like GoHighLevel, Stripe, and Twilio are governed by their own terms. Where we configure these on your behalf, you remain the account holder and the relationship is between you and the provider.

8. Confidentiality

Each party agrees to keep the other's confidential information confidential, and to use it only for the purposes of the engagement. This obligation survives termination of the agreement.

9. Liability

To the maximum extent permitted by law, our total liability to you under or in connection with our services is limited to the fees you have paid us in the 6 months preceding the event giving rise to the claim.

We are not liable for indirect, consequential, or special damages, including loss of profits, loss of business, loss of leads, or loss of data, except where such liability cannot be excluded under the Australian Consumer Law.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law that cannot lawfully be excluded.

10. Termination

By you: You may cancel your monthly subscription at any time with 30 days' written notice. You remain responsible for any fees accrued during the notice period.

By us: We may terminate your engagement with 30 days' notice for any reason, or immediately if you breach these Terms, become insolvent, or use our services in a way that exposes us to legal or reputational risk.

On termination: We will transfer ownership of your sub-accounts, customer data, and lead data to you (or to your nominated provider) and remove our access within 30 days, unless you direct us otherwise.

11. Australian Consumer Law

Our services come with consumer guarantees that cannot be excluded under Australian Consumer Law. For major failures with our services, you are entitled to cancel and obtain a refund of the unused portion of fees. You are also entitled to compensation for any other reasonably foreseeable loss or damage.

12. Governing law

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be resolved in the courts of New South Wales.

13. Changes to these terms

We may update these Terms from time to time. Material changes will be notified to active clients with at least 30 days' notice. The current version is always available at this URL.

14. Contact

For any questions about these Terms:

Grow Broker
Email: hello@growbroker.co
Address: [RAMI TO CONFIRM: business address]