Terms and Conditions

LoanTracker is online software that helps mortgage brokers keep records of their clients and loans, track key dates, compare loans with lenders' current rates, and follow up with clients. It is for use in a business, by mortgage brokers, credit licensees and their authorised credit representatives in Australia, and their staff.

• You must be at least 18 and give accurate details, including your business and licence details.
• Keep your password and authenticator app secure. Two-factor sign-in is required.
• You are responsible for what happens in your account, including what team members you invite do. You can remove a team member at any time.
• Tell us straight away at help@loantracker.au if you think your account has been misused.

You remain responsible for the personal information of your clients that you enter into LoanTracker. You must:

• collect and use it lawfully, including under the Privacy Act 1988 and your credit licence obligations;
• tell your clients that you use service providers such as LoanTracker to store their information, and get any consent needed;
• not enter information LoanTracker does not need, such as tax file numbers, identity document numbers, bank or card numbers, or credit reports;
• only send emails to clients that are permitted by law, including the Spam Act 2003.

We handle that information only to provide LoanTracker to you, as described in our Privacy Policy. You own your data and can export it at any time.

You must not:

• try to access another broker's account or information, or get around security or usage limits;
• use automated tools to overload, scrape or attack LoanTracker;
• use LoanTracker for anything unlawful, misleading or harmful;
• copy, resell or reverse-engineer LoanTracker, except as the law allows.

LoanTracker shows estimates and suggestions: estimated balances and commission, comparisons with lenders' published rates, alerts, risk scores and draft emails. Lender rates come from public sources and may be out of date or incomplete. All of this is to help your work. It is not credit, financial or legal advice. You are responsible for checking information and for any advice you give your clients.

• Price (Australian dollars): LoanTracker is $14.95 a month or $149.50 a year, with every feature included. The plan covers up to 5,000 customers. Each extra 5,000, or part of 5,000, adds $10 a month ($100 a year). If you chose an earlier plan, you stay on its price and features until you change plan. If your book stays in a new size band for 7 days, the change applies from your next bill.
• Free trial: new accounts get a 3-month free trial. You add a card when you start. Your first payment is taken when the trial ends unless you cancel before then. There is one free trial per business.
• Renewal: plans renew automatically each month or year and are charged in advance to your card through Stripe until you cancel.
• Changes and cancelling: you can change plan or cancel at any time in Settings → Plan & billing. A cancellation takes effect at the end of the period you have paid for. Plan changes are adjusted fairly for the time left in the period.
• Refunds: we don't refund part-used periods, except where the Australian Consumer Law or these terms say otherwise.
• Price changes: we will give you at least 30 days' notice by email before a price increase applies to you. You can cancel before it starts.
• Unpaid accounts: if a payment fails and isn't fixed, or your plan ends, your account becomes read-only. You can still see and export your records, and nothing is deleted because of non-payment.

Prices currently don't include GST. If we become registered for GST, we will tell you before GST is added.

We work to keep LoanTracker available and secure, but we can't promise it will always be available or free of errors. We sometimes need maintenance time, and services we rely on can have outages. We keep daily backups. We may improve or change features. If we remove a feature that is a main part of your plan, we will tell you in advance, and you may cancel and receive a refund for any prepaid period you haven't used.

You can close your account in Settings at any time. It is closed 30 days later, and you can log back in during that time to cancel the closure. After that, your account and records are permanently deleted, including from backups shortly afterwards. Please export anything you need first.

We may suspend or close an account that seriously or repeatedly breaches these terms, puts other users or LoanTracker at risk, or as required by law. Where practical, we will tell you first and give you a chance to fix the problem and export your records.

Nothing in these terms excludes, restricts or changes any right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded. To the extent the law allows:

• where we are liable for a failure to meet a consumer guarantee, our liability is limited to supplying the service again or paying the cost of having it supplied again;
• neither of us is liable to the other for indirect loss, such as lost profits or lost business;
• our total liability to you in any 12 months is limited to the fees you paid us in those 12 months.

These limits do not apply to loss caused by our fraud, wilful misconduct or a breach of our privacy obligations.

We own LoanTracker, including its software, design and content. You own your records. You give us permission to store and process your records only to provide LoanTracker to you. If you send us suggestions, we may use them to improve LoanTracker.

We may update these terms. We will email account owners at least 30 days before a change that would disadvantage them takes effect, and you can cancel before then. The date at the top shows the latest version.

These terms are governed by the laws of New South Wales, Australia. If any part is found to be unenforceable, the rest still applies. If there is a dispute, please email help@loantracker.au first. We will try to resolve it with you in good faith before either of us takes it further.