1. About the Service

1.1. These terms of use (‘Terms’) apply to use of our service (the ‘Service’) accessible through our website located at www.craggle.com.au (the ‘Website‘).

1.2. The Website and Service is operated by Craggle Services Pty Ltd (ABN 33 676 327 272) trading as Craggle (the ‘Company’) of Level 10, 171 Clarence St, Sydney NSW 2000. Craggle Services is a Credit Representative (540988) of Home Mortgage Plus Pty Ltd ACN 105 991 839 (ACL 392200). Access to and use of the Website or any associated Services, is subject to these Terms whether you are browsing as a visitor or logged in as a registered user. Please read these Terms carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by these Terms. If you do not agree with these Terms, you must cease usage of the Website and any of Services, immediately.

1.3. The Company reserves the right to review and change any of the Terms by updating this page at its sole discretion. When the Company updates the Terms, any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of these Terms for your records.

2. Acceptance of the Terms

You accept the Terms by remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by the Company in the user interface.

3. Registration to use the Services

3.1. You may access some information or use some of the Services without logging in. However, to access all the Services, you may need to first register for an account through the Website.

3.2. As part of the registration process, or as part of your continued use of the Services, you may be required to provide personal information about yourself (such as identification or contact details), including:

a. Email address
b. Name
c. Telephone number
d. Information about financial circumstances
e. Product/service preferences

3.3. You warrant that any information you give to the Company in the course of completing the registration process will always be accurate, correct and up-to-date.

3.4. You may not use the Services and may not accept the Terms if:

a. you are not of legal age to form a binding contract with the Company;
b. you are not resident in Australia; or
c. you are a person barred from receiving the Services under the laws of Australia or other countries.

4. Your obligations

4.1. You agree to comply with the following:

a. you will use the Services only for purposes that are permitted by:
i. the Terms; and
ii. any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions;
b. you are responsible for updating your personal contact details as and when they change;
c. you have the sole responsibility for protecting the confidentiality of your password and/or email address. Use of your password by any other person may result in the immediate cancellation of the Services;
d. any use of your registration information by any other person, or third parties, is strictly prohibited. You agree to immediately notify the Company of any unauthorised use of your password or email address or any breach of security of which you have become aware;
e. access and use of the Website is limited, non-transferable and allows for the sole use of the Website by you for the purposes of the Company providing the Services;
f. you will not use the Services or the Website in connection with any commercial endeavours except those that are specifically endorsed or approved by the management of the Company;
g. you will not use the Services or the Website for any illegal and/or unauthorised use. Appropriate legal action will be taken by the Company for any illegal or unauthorised use of the Services or the Website; and
h. you acknowledge and agree that any automated use of the Website or its Services is prohibited. You may not (directly or through another party), without the prior written permission of the Company, use screen scraping or other data mining techniques or tools to extract or reproduce information from the Website for your site or other publication.

5. Copyright and Intellectual Property

5.1. All materials displayed on the Website (and the underlying software and code) are subject to copyright, trademark or other intellectual property laws.

5.2. Unless otherwise indicated, all rights in the Services and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, code, scripts, design elements and interactive features) or the Services are owned or controlled for these purposes, and are reserved by the Company or its contributors.

5.3. The Company grants to you a non-transferable, non-exclusive, royalty-free, revocable licence to:

a. use the Website pursuant to the Terms;
b. store the Website and the material contained in the Website in your device’s cache memory; and
c. copy and print pages from the Website for your own personal and non-commercial use.

5.4. The Company does not grant you any other rights whatsoever in relation to the Website or the Services. All other rights, title and interest in and to the Website and Services are expressly reserved by the Company.

5.5. Nothing you do in relation to the Website will transfer any:

a. business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright; or
b. a right to use or exploit a business name, trading name, domain name, trade mark or industrial design; or
c. a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process); to you

5.6. You may not, without the prior written permission of the Company and the permission of any other relevant rights owners: copy or reproduce any material from the Website including any underlying software or source code. You may not broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way any material from the Website or the Services for any purpose, unless otherwise provided by these Terms.

6. Privacy

The Company takes your privacy seriously and any information provided through your use of the Website or Services are subject to the Company’s Privacy Policy, which is available on the Website.

7. General Disclaimer

7.1. The information provided on this website is general in nature and is not intended to be specialist or personal advice. The information provided on our website has been prepared without taking into account your objectives or financial needs. You should consider the appropriateness of the advice to your own situation before taking any action. The information provided should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances before making any decision about whether to acquire the product. You can obtain a copy of the Product Disclosure Statement by speaking to a member of our team.

The advice provided in marketing material and posts by Craggle, our representatives and our partners is to be considered general advice only. It has been prepared without taking into account your specific objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your own objectives and financial needs. If any products are detailed in this presentation, you should obtain a Product Disclosure Statement relating to the products and consider the information provided before making any decisions.

Craggle Services Pty Ltd ABN 33 676 327 272 is a Credit Representative (540988) of Home Mortgage Plus Pty Ltd ACN 105 991 839 (ACL 392200)

7.2. Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.

7.3. Subject to this clause, and to the extent permitted by law:

a. all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded; and
b. the Company will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the Services or these Terms (including as a result of not being able to use the Services or the late supply of the Services), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.

7.4. Use of the Website or the Services is at your own risk. Everything on the Website and the Services is provided to you "as is" and "as available" without warranty or condition of any kind. The Company does not warrant that the Website will be free from error, interruption or defects. For example, the Company provides information on financial products (including rates and pricing) which it compiles from our own research, from product providers and from other third parties. The Company does not guarantee that the information will be free from error. You should confirm the information directly with the product provider before making any decisions in relation to any products.

7.5. None of the affiliates, directors, officers, employees, agents, contributors and licensors of the Company make any express or implied representation or warranty about the Services or any products referred to on the Website. The Company will not be liable for any loss or damage you might suffer as a result of any of the following:

a. failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records;
b. the accuracy, suitability or currency of any information on the Website, the Services, or any of its Services related products (including third party material and advertisements on the Website);
c. costs incurred as a result of you using the Website, the Services or any of the products of the Company; and
d. the Services or operation in respect to any links which may be provided for your convenience.

7.6. You should seek independent advice before making any decisions based on any information contained on the Website.

8. Limitation of liability

8.1. The Company's total liability arising out of or in connection with the Services or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Services to you.

8.2. You expressly understand and agree that the Company, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.

9. Termination of Contract

9.1. The Terms will continue to apply until terminated by either you or by the Company as set out below.

9.2. If you want to terminate the Terms, you may do so by closing your accounts for all of the Services which you use, where the Company has made this option available to you. Alternatively, a notice may be sent, in writing, to the Company by email: help@craggle.com.au.

9.3. The Company may at any time, terminate the Terms with you if:

a. you have breached any provision of the Terms or intend to breach any provision;
b. the Company is required to do so by law;
c. the provision of the Services to you by the Company is, in the opinion of the Company, no longer commercially viable.

9.4. Subject to local applicable laws, the Company reserves the right to discontinue or cancel your access at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Website or the Services without notice if you breach any provision of the Terms or any applicable law or if your conduct impacts the Company’s name or reputation or violates the rights of those of another party.

10. No advice

10.1 The Company does not offer financial, investment, legal or other advice. Nothing on the Website constitutes financial, investment, legal or other advice by us in relation to any product.

11. AI Powered Loan Matching

Craggle utilises proprietary AI algorithms to show you tailored loan options with the greatest chance of success based on the information you provide. While our AI platform strives to present the most relevant loan options, the results are dependent on the data available and we cannot guarantee that all potential loan options or lenders will be included. You acknowledge that it is your responsibility to independently verify the terms and conditions of any loan offer before proceeding with acceptance.

12. Indemnity

12.1. You agree to indemnify the Company, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:

a. any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so; and/or
b. any breach of the Terms.

13. Venue and Jurisdiction

The Services offered by the Company is intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Website, you agree that the exclusive venue for resolving any dispute shall be in the courts of New South Wales, Australia.

14. Governing Law

The Terms are governed by the laws of New South Wales, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Terms and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of New South Wales, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Terms shall be binding to the benefit of the parties hereto and their successors and assigns.

15. Severance

If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed and the rest of the Terms shall remain in force.

16. Complaints and Disputes

16.1 Where there is a disputes between you and us we aim to: · acknowledge receipt of all complaints within 5 business days; and · resolve all complaints within 21 days.

16.2 If you wish to raise a dispute or submit a complaint to us, you should do so by contacting us at help@craggle.com.au

16.3 We may request additional documentation from you to assist us in resolving any complaints or disputes, and you must provide all reasonable assistance to us to facilitate us in resolving any complaints or disputes.

16.4 If you are dissatisfied with the response we provide, you may make a complaint to the Australian Financial Complaints Authority (AFCA). AFCA is a self-regulatory service providing an external and impartial dispute resolution process for retail members and customers of participating building societies, credit unions, banks, and other financial service providers. The AFCA's determinations are binding upon us if you accept the decision. You can contact the AFCA at:

• Telephone: 1800 931 678
• Facsimile: (03) 9613 6399
• Mail: Australian Financial Complaints Authority Limited GPO Box 3 Melbourne VIC 3001
• Website: www.afca.org.au
• Email: info@afca.org.au

Any attempts made by the parties to resolve a dispute pursuant to this clause are without prejudice to other rights or entitlements of the parties under this Agreement, by law or in equity.

16.5 Time limits may apply to a complaint to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.

17. Contact Us

17.1 We can be contacted on help@craggle.com.au for questions regarding the Website or the services the Company provides.