Terms of Use

1. Introduction

These Terms & Conditions (“Terms”) govern your access to and use of the onebank website, platform, and services (“Services”).

By accessing or using the Services, you agree to be bound by these Terms.
If you do not agree, you must not use the Services.

2. About onebank

onebank (“we”, “us”, or “our”) provides an AI-powered agent platform designed to support loan origination, decision support, and servicing workflows for Australian lenders, brokers, fintechs, and financial institutions.

onebank provides technology services only and does not provide credit, lending, or financial advice.

3. Eligibility and authorised use

You must:

• Be at least 18 years old

• Be authorised to act on behalf of your organisation (if applicable)

• Use the Services only for lawful purposes

You are responsible for ensuring that your use complies with all applicable laws, regulations, and industry obligations.

4. Scope of services

onebank provides:

• AI-powered agents for intake, qualification, credit preparation, decision support, and servicing workflows

• Workflow orchestration and automation tools

• Integrations with third-party systems (where available)

The Services may evolve over time. We may add, modify, or remove features without notice.

5. No financial or credit advice

The Services:

• Do not constitute financial, credit, legal, or regulatory advice

• Do not make lending decisions

• Are provided for decision support only

All lending decisions, compliance assessments, and customer outcomes remain the sole responsibility of the customer.

6. AI and automated outputs

You acknowledge that:

• AI-generated outputs may be incomplete, inaccurate, or require human review

• AI agents are designed to assist, not replace, human judgement

• You remain responsible for validating outputs before relying on them

onebank does not guarantee the accuracy or suitability of AI-generated outputs.

7. Customer responsibilities

You agree to:

• Provide accurate and lawful data

• Obtain all required consents from borrowers or end-users

• Maintain appropriate human oversight

• Ensure compliance with applicable laws (including privacy and consumer credit laws)

You must not:

• Use the Services to violate laws or rights

• Reverse engineer or misuse the platform

• Circumvent security or access controls

8. Data and privacy

Our handling of personal information is governed by our Privacy Policy, which forms part of these Terms.

Where onebank processes data on your behalf:

• You remain the data controller

• onebank acts as a data processor under your instructions

9. Third-party services and integrations

The Services may integrate with third-party platforms (e.g. CRMs, LOS, open banking providers).

onebank:

• Does not control third-party services

• Is not responsible for their availability, security, or accuracy

• Makes no warranties regarding third-party functionality

10. Intellectual property

All intellectual property in the Services, including software, models, workflows, branding, and documentation, is owned by or licensed to onebank.

You are granted a limited, non-exclusive, non-transferable right to use the Services in accordance with these Terms.

11. Fees and payment (if applicable)

Fees, billing terms, and payment obligations (if any) will be set out in a separate agreement or order form.

We may suspend or terminate access for non-payment.

12. Suspension and termination

We may suspend or terminate your access if:

• You breach these Terms

• Your use poses security, legal, or regulatory risk

• Required by law or regulator

You may stop using the Services at any time.

13. Disclaimers

To the maximum extent permitted by law:

• The Services are provided “as is” and “as available”

• We make no warranties regarding uninterrupted availability or error-free operation

• We disclaim all implied warranties

14. Limitation of liability

To the maximum extent permitted by law:

• onebank is not liable for indirect, incidental, or consequential loss

• Our total liability is limited to the fees paid by you in the preceding 12 months (if any)

Nothing excludes liability that cannot be excluded under Australian law.

15. Indemnity

You agree to indemnify onebank against claims, losses, or damages arising from:

• Your misuse of the Services

• Breach of these Terms

• Violation of laws or third-party rights

16. Governing law

These Terms are governed by the laws of New South Wales, Australia.
You submit to the exclusive jurisdiction of the courts of NSW.

17. Changes to these Terms

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

18. Contact us

If you have questions about these Terms, contact:

Email: contact@onebank.com.au
Entity: onebank Australia