Terms of Service

In these Terms:

• AutoCalc means the AutoCalc software platform and any related services.
• Broker means a licensed mortgage broker, finance broker, or authorised credit representative using the platform.
• Client means a loan applicant or customer of the Broker.
• Input Data means information entered or uploaded into AutoCalc by or on behalf of a Broker.
• Output Data means calculations, summaries, and results generated by AutoCalc.
• Services means access to and use of the AutoCalc platform.
• You / Your means the Broker using AutoCalc.

2.1 AutoCalc is provided exclusively for business use by Brokers.

2.2 You must not use AutoCalc unless you are:

• appropriately licensed or authorised to provide credit assistance under Australian law; and
• using AutoCalc solely in connection with your professional brokerage activities.

2.3 You must not permit clients, consumers, or unlicensed persons to access or use AutoCalc directly.

3.1 AutoCalc is a software tool only.

3.2 AutoCalc:

• extracts and structures income-related data from Input Data;
• applies lender borrowing capacity calculator logic; and
• produces Output Data for informational purposes.

3.3 AutoCalc does not:

• provide credit assistance;
• provide financial, legal, or tax advice;
• recommend lenders or loan products;
• assess suitability; or
• make or influence lending decisions.

3.4 All decisions, advice, and recommendations provided to clients remain entirely the responsibility of the Broker.

4.1 AutoCalc uses artificial intelligence (AI) services to assist with extracting data from uploaded documents and generating income summaries.

4.2 AI-generated outputs are informational only. You acknowledge that AI-assisted extraction may contain errors and you are responsible for reviewing and verifying all Output Data before relying on it.

4.3 AutoCalc does not guarantee the accuracy of AI-generated outputs. Borrowing capacity calculations are based on lender formulas that may change without notice.

5.1 You warrant that:

• (a) you have obtained all necessary client consents and authorities to provide Input Data to AutoCalc;
• (b) you are authorised to use AutoCalc for the purposes of assisting your clients;
• (c) all Input Data you provide is accurate, complete, and up to date to the best of your knowledge; and
• (d) your use of AutoCalc complies with all applicable laws, including privacy and credit laws.

5.2 You acknowledge that AutoCalc:

• relies entirely on the Input Data provided by you; and
• does not independently verify the accuracy or completeness of Input Data.

6.1 AutoCalc uses uploaded documents solely for the purpose of extracting relevant data.

6.2 AutoCalc does not retain original uploaded income documents once data extraction is completed.

6.3 AutoCalc may retain:

• extracted data;
• calculation inputs; and
• Output Data,

for record-keeping, auditability, and service continuity purposes.

7.1 Access to AutoCalc requires authentication via Google sign-in through our identity provider.

7.2 Access is restricted to authorised users. AutoCalc reserves the right to restrict access based on user role or group membership.

7.3 You are responsible for maintaining the security of your account credentials and must not share access with unauthorised persons.

8.1 AutoCalc may offer different subscription tiers with varying features and usage limits. Details of available plans are published on the AutoCalc website.

8.2 Fees are payable in advance in accordance with the selected plan. AutoCalc reserves the right to change pricing with reasonable notice.

8.3 Free tiers may be subject to feature or usage limitations and may be modified or discontinued at any time.

You must not:

• reverse engineer, decompile, or attempt to extract the source code of AutoCalc;
• scrape, crawl, or use automated means to access the platform beyond normal use;
• share account credentials or allow unauthorised access;
• use AutoCalc for any unlawful purpose; or
• interfere with the operation or security of the platform.

10.1 Output Data is provided for informational purposes only.

10.2 You must independently:

• review and verify all Output Data;
• apply professional judgment; and
• confirm suitability with the relevant lender policies.

10.3 You must not represent Output Data to clients as:

• a lending decision;
• an approval or pre-approval; or
• a recommendation made by AutoCalc.

11.1 To the maximum extent permitted by law, AutoCalc makes no representations or warranties that:

• Output Data is accurate, complete, or suitable for any particular client; or
• any lender will approve a loan based on Output Data.

11.2 You acknowledge that lender policies, calculators, and assessment criteria:

• change over time; and
• may be applied differently by lenders in practice.

11.3 The Services are provided on an “as is” and “as available” basis. AutoCalc does not guarantee uninterrupted or error-free operation.

12.1 To the maximum extent permitted by law, AutoCalc’s total liability arising out of or in connection with these Terms or the Services is limited to the fees paid by you to AutoCalc in the preceding 12 months.

12.2 AutoCalc is not liable for:

• any indirect, consequential, or economic loss;
• loss of profit, opportunity, or reputation; or
• decisions made by you or any lender.

12.3 Nothing in these Terms excludes liability that cannot be excluded under Australian Consumer Law.

You indemnify AutoCalc against any loss, claim, or liability arising from:

• your breach of these Terms;
• your failure to obtain proper client consent or authority;
• inaccuracies in Input Data; or
• advice or representations you provide to clients.

14.1 AutoCalc retains all intellectual property rights in the platform, software, and Services.

14.2 You retain ownership of Input Data.

14.3 You grant AutoCalc a non-exclusive licence to use Input Data solely for the purpose of providing the Services.

15.1 AutoCalc may suspend or terminate your access if:

• you breach these Terms;
• your licence or authorisation is revoked; or
• continued access poses legal or operational risk.

15.2 Upon termination:

• your access to the platform will cease; and
• retained Output Data may be deleted in accordance with our data retention practices.

Each party must keep confidential any non-public information received in connection with the Services, except as required by law.

AutoCalc may update these Terms from time to time. Continued use of the Services constitutes acceptance of the updated Terms.

These Terms are governed by the laws of New South Wales, Australia, and the parties submit to the exclusive jurisdiction of its courts.

Questions regarding these Terms may be directed to: