1. Agreement to Terms
These Terms of Service (“Terms”) are a binding agreement between you and Andalucia Group Pty Ltd (“Borro”, “we”, “our”, or “us”), a company incorporated in Australia, with its principal place of business at L38 345 Queen Street, Brisbane.
By accessing or using the Borro platform — including our website at borro.ai, any mobile application, or any related service (collectively, the “Service”) — you agree to be bound by these Terms. If you do not agree, do not use the Service.
If you are accepting on behalf of an organisation, you represent and warrant that you have authority to bind that organisation to these Terms.
2. Account Eligibility
To use Borro you must:
- Be at least 18 years of age.
- Be a resident of Australia or otherwise authorised to use the Service in your jurisdiction.
- Have the legal capacity to enter a binding contract.
- Not be prohibited from using the Service under applicable law.
Borro is designed for personal financial research and comparison. It is not intended for use by licensed credit providers in an advisory or wholesale capacity without a separate written agreement.
3. Account Registration
To access most features you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account details up to date.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at hello@borro.ai if you suspect unauthorised access.
We reserve the right to refuse registration, suspend, or terminate any account at our discretion.
4. Acceptable Use
You may use Borro only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Service to commit fraud, identity theft, or any other unlawful act.
- Attempt to gain unauthorised access to our systems, other user accounts, or connected third-party systems.
- Scrape, crawl, or systematically extract data from the Service without our express written consent.
- Introduce viruses, malware, or other harmful code.
- Use the Service in any way that could damage, disable, or impair it.
- Reproduce, sell, or sublicense any part of the Service without our prior written approval.
- Use automated means (bots, scripts) to interact with the Service in a manner that places unreasonable load on our infrastructure.
- Impersonate any person or entity or misrepresent your affiliation with any person or entity.
We reserve the right to investigate and take appropriate action, including suspension or termination of your account, for any violation of these provisions.
5. Subscriptions & Billing
Borro offers a free tier and paid subscription plans (“Plans”). Plan features and pricing are set out on our pricing page and are subject to change with reasonable notice.
Billing. Paid Plans are billed monthly or annually in advance. By subscribing you authorise us to charge your nominated payment method on a recurring basis. All prices are in Australian Dollars (AUD) unless otherwise stated and are inclusive of applicable taxes.
Cancellation. You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period; you will retain access until that date. We do not provide pro-rated refunds for partial periods unless required by applicable consumer law.
Free trials. Where a free trial is offered, your payment method will not be charged until the trial period ends. You may cancel before the trial ends to avoid being charged.
Failed payments. If a payment fails, we will attempt to retry the charge and may suspend your access to paid features until payment is received.
6. Third-Party Services
Borro connects to third-party data providers, open-banking infrastructure, and lender APIs to retrieve and display borrowing capacity and rate information. These third parties operate under their own terms of service and privacy policies.
We do not endorse, control, or guarantee the accuracy of data provided by third parties. Any decision to apply for a financial product should be made independently and, where appropriate, with the assistance of a licensed financial adviser.
Your use of open-banking connections via the Service is also governed by the rules and consents you grant to your financial institution and our accredited data recipient partners under the Consumer Data Right (CDR) framework.
7. Intellectual Property
All content, software, designs, trademarks, and technology on the Borro platform are owned by or licensed to Andalucia Group Pty Ltd and are protected by copyright, trademark, and other intellectual property laws.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your own personal, non-commercial purposes.
You retain ownership of any data or content you submit to the Service. By submitting content you grant us a worldwide, royalty-free licence to use, store, and process that content solely to provide and improve the Service.
Nothing in these Terms transfers ownership of any intellectual property to you.
8. Privacy & Data
Our collection, use, and storage of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
By using the Service you consent to the collection and processing of your data as described in the Privacy Policy. If you are located in Australia, we comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
9. Disclaimers
Not financial advice. The information provided through the Service — including borrowing capacity estimates, interest rate comparisons, and lender data — is for general informational purposes only. It does not constitute financial, credit, or legal advice. You should obtain independent professional advice before making any financial decision.
No guarantee of accuracy. While we strive to present accurate and up-to-date data, we make no warranty that lender rates, serviceability calculations, or borrowing capacity figures are complete, current, or free from error. Lender policies change frequently and actual loan eligibility may differ from estimates.
Service availability.The Service is provided “as is” and “as available” without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted or error-free access.
10. Limitation of Liability
To the fullest extent permitted by law, Andalucia Group Pty Ltd and its officers, directors, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to loss of profits, loss of data, or loss of goodwill.
Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Service will not exceed the greater of (a) the total fees paid by you to Borro in the twelve months preceding the event giving rise to the claim, or (b) AUD $100.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain types of damages. In those jurisdictions, our liability is limited to the greatest extent permitted by law.
11. Indemnification
You agree to indemnify, defend, and hold harmless Andalucia Group Pty Ltd and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable legal fees) arising from:
- Your use of the Service in violation of these Terms.
- Your violation of any applicable law or third-party right.
- Any content or data you submit to the Service.
12. Termination
You may terminate your account at any time by contacting us at hello@borro.ai or through your account settings.
We may suspend or terminate your access to the Service immediately, without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if we are required to do so by law.
Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and indemnification — will continue to apply.
13. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page and, for material changes, we will notify you by email or by displaying a notice within the Service.
Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of those changes. If you do not agree to the updated Terms, you must stop using the Service.
14. Governing Law
These Terms are governed by and construed in accordance with the laws of Queensland, Australia. Any dispute arising under these Terms that cannot be resolved amicably will be subject to the exclusive jurisdiction of the courts of that jurisdiction.
If you are an Australian consumer, nothing in these Terms limits any rights you may have under the Australian Consumer Law.
15. Contact
If you have questions about these Terms, please contact us: