Terms of Service

1. Agreement to Terms

By accessing or using SettlPay's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Description of Services

SettlPay provides settlement-linked payment services for property professionals. SettlPay is not a lender, does not provide credit, and does not act as a mortgage broker, finance broker, or credit intermediary. All services are provided exclusively to commercial or company borrowers and are not available to consumers.

3. Eligibility

To use SettlPay's services, you must:

• Be a registered business or commercial entity in Australia
• Be a licensed real estate professional or property industry participant
• Have the legal authority to enter into binding agreements
• Comply with all applicable laws and regulations

4. No Financial Product Advice

SettlPay does not provide legal, tax, or financial product advice. Any information provided is general in nature and should not be relied upon as professional advice. You should seek independent advice from qualified professionals regarding your specific circumstances.

5. Third-Party Credit Providers

SettlPay works with wholesale and private credit funds to facilitate settlement-linked payments. All funding is provided solely by third-party credit providers and is subject to their independent credit approval, terms and conditions, valuation, and due diligence. SettlPay makes no representations or warranties regarding the approval or terms of any funding.

6. Fees and Charges

Service fees and charges will be disclosed to you before you enter into any agreement. All fees are subject to change with notice. You are responsible for all fees associated with your use of SettlPay's services.

7. User Obligations

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Use the services in compliance with all applicable laws
• Not engage in any fraudulent or deceptive conduct

8. Intellectual Property

All content, trademarks, and intellectual property on the SettlPay website are owned by or licensed to SettlPay. You may not reproduce, distribute, or create derivative works without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by law, SettlPay shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.

10. Privacy

Your use of SettlPay's services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

11. Termination

We reserve the right to terminate or suspend your access to our services at any time, without prior notice or liability, for any reason, including breach of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Queensland, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Queensland.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date.

14. Contact Information

If you have any questions about these Terms, please contact us:

• Email: hello@settlpay.com.au
• Phone: 1300 804 318
• Address: Level 34, 1 Eagle Street, Brisbane City, QLD 4000, Australia