Terms of use

Plain English. These are the terms for using appetite.finance. By creating an account or using the service you agree to them. Founding brokers also hold the Founding Broker Beta Terms; where the two differ on price, the beta terms win.

Who we are

Appetite is operated by Appetite HQ Pty Ltd (ABN 98 700 373 164), Level 35, 100 Barangaroo Avenue, Sydney NSW 2000. "We", "us" and "Appetite" mean that company. "You" means the broker or business using the service. Contact: hello@appetite.finance.

What the service is, and is not

Appetite is placement intelligence. You enter a scenario; the engine reads lenders' published information alongside live market intelligence and returns a ranked, sourced set of placement pathways, delivered as a Lender Placement Report. Every result is indicative.

Appetite is not:

• credit advice, financial advice or legal advice;
• a credit provider, a lender, a finance offer or an approval;
• a lender relationship. We do not act for any lender, we hold no panel or accreditation on your behalf, and a lender's appearance in a report is drawn from that lender's own published materials, not from any arrangement between us and them.

You are a professional using Appetite in the course of your business, not as a consumer. You remain responsible for your own advice, your own lodgements and your own compliance. You confirm appetite with the lender before you rely on a result, and you advise your client on your own judgment.

Accounts and seats

You need an account to use Appetite beyond the public demo. Keep your details accurate and your login private.

Access is sold by seat. There are three kinds:

• Founding seats, the first 25, on the Founding Broker Beta Terms;
• Early seats, numbers 26 to 50;
• Standard seats, everything after.

One broker per seat. A seat is personal to the named broker. It may not be shared, pooled or rotated between people. A brokerage that wants several brokers on Appetite buys several seats.

A seat is held by use. Your seat, and any price attached to it, stays yours for as long as your subscription is continuously active. If your subscription lapses and you return later, you rejoin on the seat type and price available at that time.

Fees and billing

Prices are in Australian dollars and are stated plus GST. GST is added at checkout.

• Founding seat: free for the first 90 days from onboarding, then $199 a month plus GST for as long as the seat stays active, unless you cancel before the free period ends. An optional founding annual of $1,790 plus GST, paid once, covers the first paid year after the free period.
• Early seat: $249 a month plus GST. No free period.
• Standard seat: $349 a month plus GST ($383.90 including GST).

Fees are billed monthly in advance through Stripe, our payment provider, using the card you register. By registering a card you authorise us to charge it on each billing date. Stripe's own terms apply to the payment. We never see your full card number.

Cancelling. You can cancel any time from your account or by emailing hello@appetite.finance. Cancellation takes effect at the end of the current billing period. You keep access until then. We do not refund part-months. Annual prepayments are not refundable except as the Australian Consumer Law requires.

Unpaid fees. If a payment fails we will tell you and retry. If it is still unpaid 30 days after it was due, your access closes. Your data is then handled under the data policy (section 6).

We may change prices for standard and early seats with the notice described in section 9. A founding seat's price does not change while it is continuously active.

Acceptable use

Use Appetite for placing genuine commercial finance scenarios in the ordinary course of your broking business. Do not:

• scrape, crawl, bulk-export or otherwise extract data from the service by any automated means, or attempt to reconstruct the lender corpus, the rankings or the methodology;
• resell, sublicense, rent or commercially republish reports, lender-identity output or any part of the service;
• share logins or let anyone other than the seat holder use your access;
• use Appetite, or anything from it, to build or feed another lender database, comparison tool, matching engine or competing product;
• enter a scenario you are not entitled to share, or personal information your client has not consented to you disclosing; de-identify where in doubt;
• reverse-engineer, probe or interfere with the service, or use it for anything unlawful.

We may suspend or close access that breaches this section, immediately and without refund for the current period.

Data

How we handle your information and the scenarios you enter is set out in the Appetite Data Policy at appetite.finance/data-policy, which forms part of these terms. In short: your scenarios are used to generate your assessment and to improve the engine. They are never sold, never shared with any brokerage, including any brokerage connected with us, and never used to approach your client. Your client stays yours.

Scenarios are kept for the period, and handled in the way, described in the data policy. You can ask us to delete your account details at hello@appetite.finance.

You keep ownership of the scenarios you enter. You give us a licence to process them as the data policy describes. The engine, the reports, their format and the methodology behind them belong to Appetite HQ Pty Ltd.

Availability

Appetite is launch software and is in beta. We work on a best-efforts basis to keep the service available and accurate, and we will tell you about planned downtime where we can. We give no uptime warranty during the beta. Features may change, results may occasionally be wrong or incomplete, and the service may be unavailable at times. That is why every result is indicative and why you verify with the lender before you lodge.

Liability

To the fullest extent the law allows:

• we are not liable for any decision you or your client make in reliance on a result, for any lost deal, commission, profit or opportunity, or for any indirect or consequential loss;
• our total liability to you for anything arising out of these terms or the service, however it arises, is limited to the fees you paid us in the 3 months before the event giving rise to the claim. During a free period that amount is nil.

Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where such a guarantee applies and the law lets us limit our liability, it is limited to resupplying the service or paying the cost of having it resupplied.

You indemnify us against claims arising from your breach of these terms, from your advice to your clients, or from scenarios you were not entitled to enter.

Changes to these terms

We may change these terms or our prices. We will give you at least 14 days' notice by email to the address on your account before a change takes effect. If you do not accept a change, cancel before it takes effect and you will not be bound by it. Continuing to use Appetite after the change date means you accept the new terms. A founding seat's price lock survives every change to these terms while the seat is continuously active.

Termination

You may end your account at any time by cancelling under section 4. We may end or suspend your access immediately if you breach these terms, if fees remain unpaid 30 days after they were due, if required by law, or if we wind down the beta or the service, in which case we will give you as much notice as we reasonably can and refund any prepaid period we do not deliver. On termination your right to use the service ends and your data is handled under the data policy. Sections 2, 5, 6, 8 and 11 survive termination.

Governing law and the rest

These terms are governed by the law of New South Wales, Australia, and you and we submit to the courts there. These terms, the data policy and, for founding brokers, the Founding Broker Beta Terms are the whole agreement between us about the service. If part of these terms is unenforceable, the rest still applies. You may not transfer your account or seat to anyone else without our written agreement.

As at 31 August 2026. Subject to legal review. Not legal advice.