Terms of Service

1. Acceptance of Terms

By accessing or using the Credit Lenses website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use our Services.

2. Description of Services

Credit Lenses provides an AI-powered intelligence layer for Australia's Open Banking (CDR) ecosystem. Our platform transforms raw bank transaction data into structured, actionable credit risk profiles for authorised business clients including lenders, PropTech platforms, and insurance providers.

3. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to use our Services. By using our Services, you represent and warrant that you meet these requirements.

4. User Accounts

Certain features of our Services may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorised use.

5. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to gain unauthorised access to any part of the Services or related systems.
• Interfere with or disrupt the integrity or performance of the Services.
• Reverse engineer, decompile, or disassemble any part of the platform.
• Use the Services to transmit harmful, fraudulent, or misleading content.

6. Intellectual Property

All content, features, and functionality of the Services — including text, graphics, logos, software, and data models — are the exclusive property of Credit Lenses or its licensors and are protected by Australian and international intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Data and Privacy

Your use of the Services is also governed by our Privacy Policy. By using the Services, you consent to the collection and use of your information as described therein. All financial data is processed in compliance with the Consumer Data Right (CDR) framework.

8. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Credit Lenses does not warrant that the Services will be uninterrupted, error-free, or free of harmful components. Risk assessments generated by our platform are informational tools and do not constitute financial advice.

9. Limitation of Liability

To the maximum extent permitted by law, Credit Lenses shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Services, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Credit Lenses, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Services or your violation of these Terms.

11. Termination

We reserve the right to suspend or terminate your access to the Services at our sole discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

13. Changes to These Terms

We may revise these Terms at any time by updating this page. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

14. Contact Us

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

Credit Lenses
Email: info@creditlenses.com