Terms of Use

These Terms of Use ("Terms") govern your use of the Motifi platform at motifi.com.au and any associated services (the "Platform"). The Platform is operated by Agent Finance AI Pty Ltd (ACN 673 873 204) ("we", "us", "our"), trading as Motifi.

By creating an account or using the Platform, you agree to these Terms. If you do not agree, do not use the Platform.

1. What Motifi is

1.1 Motifi is a technology platform that helps Australian consumers apply for car finance. The Platform uses artificial intelligence to guide you through an application, gather the information needed to assess your eligibility, and connect you with a licensed credit broker.

1.2 Motifi is not a credit broker. Motifi does not provide credit assistance, credit advice, or financial product advice. Credit assistance on the Platform is provided to you by a third-party Australian credit broker (the "Broker"), who is a credit representative under an Australian Credit Licence. The Broker's identity, credit representative number, licensee details, and dispute resolution arrangements are set out in the Broker's Credit Guide, which is provided to you at the credit assistance stage of your application.

1.3 Your broker relationship is with the Broker, not with us. The Broker provides their own Credit Guide, Privacy Disclosure Statement, and consent documents when you reach the relevant stage of your application. Those documents govern your relationship with the Broker.

1.4 Our relationship with you is limited to your use of the Platform under these Terms and the Motifi Privacy Policy.

2. Eligibility

2.1 To use the Platform you must:

(a) be at least 18 years old;

(b) be an Australian resident;

(d) be applying for finance on your own behalf, not on behalf of another person, unless you have legal authority to do so and have disclosed that authority to us.

2.2 You must not use the Platform if you are a competitor evaluating it, or on behalf of a competitor.

3. Your account

3.1 You create an account by providing your email address and verifying your mobile number with a one-time password ("OTP") code we send by SMS.

3.2 You are responsible for keeping your account secure. This includes:

(a) keeping your email account secure;

(b) keeping your mobile device secure;

(d) notifying us immediately at help@motifi.com.au if you believe your account has been accessed without your authorisation.

3.3 You are responsible for everything done through your account, including actions taken by anyone you allow to access it.

3.4 We may require you to re-verify your identity at any time, including before processing a sensitive action.

4. How you use the Platform

4.1 You may use the Platform only for the purpose of applying for car finance for yourself, or for someone you have legal authority to represent.

4.2 You must not:

(a) scrape, copy, or systematically extract content from the Platform;

(b) reverse engineer, decompile, or attempt to derive the source code or AI models behind the Platform;

(c) use the Platform to mislead lenders or the Broker, including by submitting false, inaccurate, or misleading information;

(d) submit information about another person without their authority;

(e) use the Platform to commit fraud, money laundering, or any other unlawful act;

(f) interfere with, disrupt, or attempt to gain unauthorised access to the Platform or any related systems;

(g) use the Platform to send spam, malware, or other harmful content;

(h) use automated tools, bots, or scripts to interact with the Platform; or

(i) use the Platform if you are a competitor evaluating it, or on behalf of a competitor.

4.3 You must provide accurate, current, and complete information when you use the Platform. You must update your information promptly if it changes during your application.

5. AI use

5.1 The Platform uses artificial intelligence to deliver most of your experience, including the assistant that guides you through your application.

5.2 AI outputs may contain errors or omissions. Information generated by the AI assistant is provided to help you complete your application. It is not financial advice, legal advice, tax advice, or a recommendation that any particular loan is suitable for you.

5.3 A credit representative of the Broker reviews your application and conducts a preliminary assessment of suitability under the National Consumer Credit Protection Act 2009 (Cth) before your application is submitted to a lender. The Broker is responsible for credit assistance decisions and for the suitability assessment required by the National Consumer Credit Protection Act 2009 (Cth).

5.4 You should not rely on the AI assistant for any decision outside the scope of your car finance application. For tax, legal, or broader financial advice, consult a qualified professional.

5.5 The AI assistant may make mistakes. If something the AI says appears wrong or unclear, ask the AI to clarify, or contact us at help@motifi.com.au.

6. Conversations and Platform content

6.1 We record and retain your conversations with the AI assistant, your form responses, and other interactions with the Platform. This is necessary to:

(a) process your application;

(b) provide your application history to the Broker;

(d) meet our legal and regulatory obligations; and

(e) protect against fraud and misuse.

6.2 We own all rights in:

(a) the Platform, including its software, design, branding, AI prompts and configurations, and underlying technology;

(b) the records and metadata of your use of the Platform, including operational logs and AI assistant outputs; and

6.3 You retain ownership of the personal information you provide and the copyright in the text you type into the Platform. You grant us a perpetual, non-exclusive, royalty-free, worldwide licence to use that information and text for the purposes of operating the Platform, as set out in the Motifi Privacy Policy.

6.4 You may request access to or correction of your personal information at any time. See the Motifi Privacy Policy for how.

7. Privacy

7.1 Our handling of your personal information is governed by the Motifi Privacy Policy, available at motifi.com.au/privacy. The Privacy Policy forms part of these Terms.

7.2 Your relationship with the Broker is governed by the Broker's own privacy disclosure and consent documents, which you will be asked to review and agree to during your application.

8. SMS, email, and other messages from us

8.1 When you create an account, you consent to receive SMS and email messages from us in connection with your application, including:

(a) verification messages (OTP codes);

(b) progress updates;

(d) messages required to process your application; and

(e) service messages about the Platform.

8.2 You can opt out of non-essential messages using the unsubscribe link in any message.

8.3 Some messages are essential for your application to proceed. If you opt out of those messages, your application may not be able to continue, and your application may expire.

9. No financial, legal, or tax advice

9.1 Nothing on the Platform is financial product advice, legal advice, or tax advice. The Platform is not authorised to provide advice on any of these matters.

9.2 The Broker is authorised to provide credit assistance for car loans, within the limits set out in the Broker's Credit Guide. The Broker is not authorised to provide broader financial advice.

9.3 For advice tailored to your circumstances, consult a qualified professional.

10. Suspension and termination

10.1 You may stop using the Platform at any time. You may request that we delete your account by contacting privacy@motifi.com.au. We will delete or de-identify your personal information in accordance with the Motifi Privacy Policy and our legal record-keeping obligations.

10.2 Records relating to credit assistance provided to you through the Platform must be retained for at least 7 years under the National Consumer Credit Protection Act 2009 (Cth). Those records will not be deleted on your request, but our use of them after that point will be limited to legal compliance purposes.

10.3 We may suspend or terminate your access to the Platform at any time, on reasonable notice, for any reason.

10.4 We may suspend or terminate your access immediately, without notice, if:

(a) we reasonably believe you have breached these Terms;

(b) we reasonably believe you have provided false, inaccurate, or misleading information;

(d) we are required to do so by law or by a regulator; or

(e) continuing to provide the Platform to you would expose us, the Broker, or any third party to legal or reputational risk.

10.5 Termination does not affect rights or obligations that have accrued before termination, including your obligations under sections 4 (How you use the Platform), 6 (Conversations and Platform content), 11 (Disclaimers), 12 (Limitation of liability), and 13 (Indemnity).

11. Disclaimers

11.1 The Platform is provided on an "as is" basis. To the maximum extent permitted by law, we make no warranties, express or implied, about the Platform, including no warranty that:

(a) the Platform will be available, uninterrupted, or error-free;

(b) the Platform will be secure or free from viruses or other harmful code;

(d) you will be approved for finance, or approved on any particular terms; or

(e) any lender will accept your application.

11.2 We do not guarantee any outcome of your application. Credit decisions are made by lenders, not by us.

11.3 Nothing in these Terms excludes, restricts, or modifies any right or remedy you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded.

11.4 To the extent that we are permitted by law to limit our liability for breach of a non-excludable guarantee under the Australian Consumer Law, our liability is limited, at our option, to:

(a) supplying the services again; or

(b) paying the cost of having the services supplied again.

12. Limitation of liability

12.1 Subject to clause 11.3 and 11.4, our total aggregate liability to you under or in connection with these Terms or your use of the Platform is limited to AUD $100.

12.2 To the maximum extent permitted by law, we are not liable for:

(a) any indirect, consequential, special, or incidental loss;

(b) loss of profits, revenue, business opportunity, goodwill, or anticipated savings;

(d) any act or omission of the Broker, any lender, or any other third party; or

(e) any loss arising from a credit decision, including a decision to decline finance or to offer finance on particular terms.

12.3 You acknowledge that the AI assistant may make mistakes, and that you are responsible for reviewing AI outputs before relying on them.

13. Indemnity

13.1 You indemnify us against all loss, damage, liability, cost, and expense (including legal costs) we suffer or incur arising out of or in connection with:

(a) your breach of these Terms;

(b) false, inaccurate, or misleading information you submit through the Platform;

(d) any third party claim arising from your use of the Platform.

13.2 This indemnity continues after your account is terminated.

14. Disputes

14.1 If you have a complaint about your use of the Platform, contact us first at help@motifi.com.au. We will acknowledge your complaint within 5 business days and try to resolve it promptly.

14.2 If we cannot resolve your complaint through direct negotiation, you and we agree to attempt to resolve the dispute through mediation before commencing court proceedings. Mediation must be conducted by a mediator agreed between us, or, failing agreement, a mediator appointed by the Resolution Institute.

14.3 Clause 14.2 does not apply to claims under the Australian Consumer Law or to complaints made to the Australian Financial Complaints Authority. Clause 14.2 does not prevent either of us from seeking urgent interlocutory relief from a court.

14.4 Complaints about the Broker, credit assistance, or your loan should be directed to the Broker in the first instance, and may be referred to the Australian Financial Complaints Authority (AFCA) if not resolved. AFCA contact details are in the Broker's Credit Guide.

15. Changes to these Terms

15.1 We may change these Terms at any time.

15.2 If we make a material change, we will notify you by email or through the Platform at least 14 days before the change takes effect.

15.3 If you continue to use the Platform after a change takes effect, you are taken to have accepted the change. If you do not agree to a change, you must stop using the Platform.

16. General

16.1 Governing law. These Terms are governed by the laws of Victoria, Australia. You and we submit to the exclusive jurisdiction of the courts of Victoria and the courts that hear appeals from them.

16.2 No waiver. If we do not enforce a right under these Terms, that does not mean we have waived it.

16.3 Severability. If any part of these Terms is found to be unenforceable, the rest of the Terms continue to apply.

16.4 Assignment. You may not transfer your rights or obligations under these Terms. We may transfer ours to a related body corporate, or to a third party in connection with a sale or restructure of our business, on reasonable notice to you.

16.5 Entire agreement. These Terms, together with the Motifi Privacy Policy, are the entire agreement between you and us in relation to your use of the Platform.

16.6 Electronic transactions. You agree that:

(a) all dealings between you and us, including the formation of these Terms, the signing of consent forms, the appointment of the Broker as your agent, and the execution of any document we ask you to confirm during your application, may be conducted by electronic means;

(b) clicking, tapping, or otherwise selecting an "I agree", "Confirm", or similar button on the Platform constitutes your electronic signature for the purposes of the Electronic Transactions Act 1999 (Cth) and the Electronic Transactions (Victoria) Act 2000;

(c) the time and date of your electronic signature, your IP address, your device details, and the exact content shown to you at the time of your signature will be recorded by us and may be used as evidence of your agreement;

(d) you consent to receive all notices, disclosures, and other communications from us in electronic form; and

(e) you confirm you have access to a working email address and a device capable of accessing the Platform and receiving electronic notices.

16.7 Contact. For any questions about these Terms, contact help@motifi.com.au.

These Terms of Use were last updated on 1 June 2026.