Website & customer terms

1. Your agreement with us

Joshua Willow Ward trading as Your Broker Match (sole trader), ABN 62 236 466 017 operates this website. These terms govern our customer matching and introduction service. Contact support@yourbrokermatch.com for questions, complaints or notices. Broker participation is governed by the separate Broker Participation Agreement.

You must be 18 or older to create an account or request an introduction. Use the service for yourself or with the authority of the person you assist. Do not impersonate another applicant. Before requesting an introduction, you must expressly agree to the terms presented at that step. Browsing public information does not authorise disclosure of your personal information.

2. What Your Broker Match provides

We help customers describe their needs and preferences and connect with participating Australian mortgage brokers. We compare the participating network, not every broker in the market. Results depend on customer answers, broker information, coverage and capacity and can change over time. There may be no available match.

We do not provide a loan, assess creditworthiness or borrowing capacity, approve applications, or recommend a particular lender or credit product. Estimates and summaries are based on unverified information. A broker match supports a first conversation and is not a guarantee of suitability, service quality, approval, rates, savings or any financial outcome.

Features may be in trial, paused or unavailable. Creating an account or accepting these terms does not mean operational introductions are available. The website will identify when sharing is enabled. Nothing here represents that the operator holds a credit licence, authorisation or exemption.

3. Your information and account

Give accurate information to the best of your knowledge and correct mistakes before sharing. You may use the available unsure, skip or prefer-not-to-say options. Do not provide identity documents, bank statements, tax identifiers, account numbers, passwords or information you have no authority to disclose. Each applicant must authorise the sharing of their information.

Protect your sign-in, use only your own account and tell us promptly about suspected unauthorised access. We may ask for proportionate identity verification before giving access to personal records or acting on an account request. You are responsible for your own authorised actions, not automatically for every act committed by someone who misuses your account.

4. AI, estimates and automated matching

The service uses rules and may use AI to interpret written questionnaire answers, explain questions and assist with wording. When enabled, submitted text may be processed through OpenRouter and the configured JEV or DeepSeek services. Review interpreted answers and summaries; AI can misread information, invent details or be unavailable. Available structured choices provide an alternative. Do not treat AI output as financial, credit, tax or legal advice.

Matching uses the information available about you and participating brokers. The implemented Gorse recommendation feature, when enabled, can learn from confirmed platform referral-fee receipts and reversals. Those outcomes measure our commercial receipts, not customer satisfaction or loan quality. Commercial learning may affect ordering; it does not make a result a whole-market comparison or a credit recommendation. We must provide the applicable explanation before activating a materially different matching method.

5. Choosing and contacting a broker

Viewing a profile, saving a preference or completing the questionnaire does not send your details, book an appointment or engage a broker. When sharing is available, a separate screen identifies the recipient, information to be shared and remuneration disclosure. You decide whether to consent.

Sharing places the approved summary and contact information in the named broker’s authenticated inbox. It does not guarantee an email, a response or acceptance. Brokers operate their own businesses and decide whether they can help. Their credit assistance, fees, privacy practices and engagement terms must be explained separately. You remain free to choose another broker or stop the process.

Profile checks are limited to the evidence reviewed at the time. A platform approval is not a warranty that every claim is correct or that a broker will remain authorised indefinitely. Ask the broker for their credit guide and relevant authorisation details.

6. Our remuneration and other charges

We do not charge customers for the matching and introduction service described here. Under our standard broker agreement, the broker pays us 20% of the upfront lender commission attributable to a qualifying introduction, excluding GST and before aggregator or brokerage deductions, once that commission is received. We do not receive a share of ongoing trail under that agreement. The broker, not the customer, owes this fee.

If the lender claws back that upfront commission, we return the corresponding proportion of the referral fee we received. We do not charge customers for that clawback. For example, a $4,000 upfront commission excluding GST produces an $800 platform fee; a 50% clawback produces a $400 refund to the broker, subject to verified repayment.

Brokers may receive lender commissions and may separately charge disclosed service fees under their own lawful engagement. Ask the broker to explain their remuneration before proceeding. Payment to us does not entitle a broker to a promised ranking, exclusive access to you or preferential credit treatment. Any different customer charge would require clear disclosure and your express agreement before it applies.

7. Privacy, providers and withdrawal

Our Privacy Notice explains collection, storage, service providers, overseas processing and how to request access, correction or deletion. Hosting, authentication, support email, AI and optional CRM or recommendation services may involve third-party processing. These terms do not provide blanket consent to marketing, AI training, sale of information or unrelated future uses.

You may correct your saved answers and withdraw permission for further sharing through the available controls or by contacting us. Withdrawal cannot recall information a broker has already lawfully read or copied. We will consider necessary downstream requests and explain lawful retention requirements. A broker may independently need to retain records of its services.

8. Acceptable use and intellectual property

Do not submit unlawful or deceptive material, harass users, scrape private data, introduce malware, interfere with security, bypass access controls or use the service to send unsolicited marketing. Access only information you are authorised to see.

We or our licensors own the website software, design and content. You may use them for your personal use of this service and save your own records. You retain rights in material you submit and give us only the rights reasonably needed to store, process and display it to provide the service you request. No ownership of your personal information is transferred to us.

9. Availability, changes and ending use

We take reasonable care in providing the service but cannot promise uninterrupted access, error-free AI or the continued availability of a particular broker or provider. We may maintain, change or discontinue features, giving reasonable notice where practical. Do not rely on the service for an urgent finance deadline.

You may stop using the service at any time. We may restrict access where reasonably necessary for security, suspected unlawful activity, material misuse or a legal obligation. We will explain the reason and allow a reasonable opportunity to resolve the issue when lawful and safe. Closing an account does not itself erase records that must lawfully be retained.

We will publish a new version for changes to these terms and provide reasonable notice of material changes. Changes do not retrospectively alter an introduction or consent already given. Fresh consent is required for a materially different disclosure of your information. You may stop using the affected service before new terms apply.

10. Rights, responsibility and complaints

Nothing in these terms excludes, restricts or modifies a consumer guarantee, statutory duty or remedy that cannot lawfully be excluded, including applicable rights under Australian consumer and financial-services laws. We remain responsible for our own conduct. We do not require you to indemnify us for ordinary use of the service.

To the extent the law permits, we are not responsible for loss caused solely by an independent broker, lender or external provider where we did not cause or contribute to it. We do not exclude liability for our fraud, wilful misconduct or a liability the law does not allow us to exclude. Any responsibility for loss is assessed according to applicable law and each party’s contribution.

Send complaints to support@yourbrokermatch.com, including what happened and the outcome sought. We aim to acknowledge within five business days and respond within 30 days, or explain any delay. This does not prevent you contacting a regulator, using an available external dispute scheme or seeking urgent relief. No membership of a dispute scheme is represented by these terms.

Australian law applies. You may bring a claim in any court or tribunal with jurisdiction, including a forum available under mandatory consumer law. If a provision is unenforceable, the remaining provisions continue so far as lawful. These terms do not override a right that applicable law gives you.