FundIQ Terms and Conditions
Effective date: 24 October 2026
Version: 2026-10-24
Supplier: Safe Harbour Ventures Pty Ltd (ABN 86 703 253 918) (we, us or our). FundIQ is our software product.
These Terms cover the FundIQ website at fundiq.com.au and its comparison software (the Service). By accepting these Terms, you agree to them. If you act for a business, you confirm that you can bind it.
1. Professional use
The Service is for Australian mortgage brokers and authorised brokerage staff. It is not offered directly to borrowers. Use it for your broking business, keep account details accurate and do not share individual logins or give borrowers access. You are responsible for activity under your account and your team’s compliance with these Terms. Tell us promptly about unauthorised access or a change in your professional authorisation.
2. Calculations and your responsibilities
FundIQ provides modelled bridging-loan estimates and factual comparisons. We are not a lender or broker, do not hold an Australian credit licence or act as a credit representative, and do not provide credit advice, credit assistance or financial advice. We do not recommend a credit contract, assess suitability or approval, arrange credit, transmit applications or receive lender, referral or settlement-linked remuneration.
You remain responsible for client advice and your professional obligations. Check the inputs, assumptions, sources, rates, fees and current lender requirements before relying on a result. Estimates may be incomplete, out of date or different from a lender's assessment. Do not present them as an approval, guarantee, borrowing-capacity assessment, recommendation or whole-of-market comparison.
Estimates assume standard residential security: a house, apartment or townhouse. Other properties, including rural, vacant land, small or high-density units, serviced apartments, off-the-plan or commercial property, may have different lender rules. Confirm property acceptance with the lender.
3. Your information
Enter only the scenario and property information requested. Keep borrower identifiers, supporting documents and sensitive case notes in your authorised client-file system. Tell us if you accidentally submit them.
You retain your rights in submitted information and permit us to process it to provide, secure, support and maintain the Service. We may use aggregated or de-identified information to improve the Service; we do not sell your scenario content. Our Privacy Policy explains our information handling.
4. Plans and payments
Trial limits, plan inclusions and prices are shown before you subscribe. A no-card free trial ends without charge unless you choose a paid plan. Prices are in Australian dollars and exclude GST unless stated otherwise. GST and the total payable are shown before payment.
Paid subscriptions are charged in advance and renew monthly or annually, according to your selected plan, until cancelled. You authorise our payment provider to collect these charges. Keep your billing details current. We do not intend to store full payment-card details.
5. Cancellation and refunds
Cancel before your next renewal in Account settings → Billing → Cancel subscription. Cancellation takes effect at the end of your current paid billing period. You keep paid access until then, and the subscription does not renew.
Change of mind: We do not offer a change-of-mind refund period. Monthly and annual fees are non-refundable for unused days or months, including if you stop using the Service or cancel part-way through a billing period.
Your legal rights: This does not limit refunds or other remedies required by Australian law. Contact us about a billing error or refund request.
6. Intellectual property
We own or license the software, design and other Service materials. You may use the Service for your professional work within your plan. Do not resell it, scrape or reverse engineer it, bypass access controls or use it to build a competing service, except where a law gives you a right that cannot be excluded.
Lender names and logos belong to their owners. Their inclusion does not imply endorsement, sponsorship or affiliation.
7. Availability and ending access
We use reasonable care to operate the Service but do not guarantee uninterrupted availability. We may remove lender results where sources or calculations are insufficiently verified.
We may suspend or end access for non-payment, material or repeated breach, fraud, unlawful use, loss of professional authorisation, or a material security or legal risk. Where practical, we will give notice and an opportunity to remedy the issue.
Cancelling a paid plan does not close your account. Saved scenarios remain readable after your trial or paid access ends. If you ask us to close your account, access ends and we handle deletion under our Privacy Policy. Keep any records you need for your own professional obligations.
We provide email support, without guaranteed response times or urgent or after-hours support.
8. Liability
Nothing in these Terms limits rights or remedies that cannot lawfully be excluded, including under the Australian Consumer Law.
Subject to those rights, we do not guarantee error-free calculations or any lender decision. To the extent permitted by law, our total liability is limited to fees you paid in the 12 months before the event giving rise to the claim. We exclude indirect or consequential loss, including lost profit, opportunity or goodwill, to the extent permitted by law.
9. Changes and governing law
We will give reasonable advance notice of material changes to these Terms, prices or plan features. You may cancel before a materially disadvantageous change takes effect. Continued use after the effective date accepts the updated Terms, subject to your legal rights.
These Terms and your accepted plan form the agreement for the Service, except for a written variation signed by both parties. If a provision is unenforceable, the remainder continues. New South Wales law and courts apply, subject to non-excludable rights.
Contact
Safe Harbour Ventures Pty Ltd (ABN 86 703 253 918)
Website: fundiq.com.au
Email: hello@fundiq.com.au