Terms & Conditions

1. What We Provide

• Qualified borrower enquiry generation and follow-up support delivered to Australian mortgage and finance brokers.
• Campaign systems, qualification criteria approval, appointment booking, and CRM integrations.
• Digital products, templates, automations, AI agent configurations, ad assets, and training materials ("Materials").
• Included calls (Roadmap Call, onboarding, campaign reviews, support periods) as described during agreement.

2. Billing Entity

Payments are processed by Vicolize LLC via Stripe or direct bank transfer to LEAD ESTATE, LLC. Card statement charges will appear from VICOLIZE. If you don't recognise a charge, contact us at contact@vicolize.com before disputing — we resolve billing questions immediately.

3. License & Exclusivity

Upon payment, every delivered enquiry is exclusive to you and is never resold. You receive a perpetual, non-exclusive, non-transferable license to use campaign materials in your own finance broking business. You may NOT resell, redistribute, share, teach, or repackage our Materials, or use them to build competing services for third parties. All intellectual property remains ours.

4. Payments & Invoices

Initial campaigns and deposits are charged at onboarding via bank transfer or credit card. Each campaign covers an agreed number of leads or scope, and nothing renews automatically without your written instruction. Prices are in AUD for Australian broker campaigns unless explicitly stated in USD.

5. Your Responsibilities

• You are responsible for holding the required Australian Credit Licence (ACL) or Credit Representative accreditation and aggregator approvals necessary to write finance in Australia.
• Assessing, advising, preparing, submitting, and writing the deal is solely your professional responsibility.
• Compliance with applicable privacy, credit reporting, and spam marketing laws when communicating with borrowers once delivered to your CRM.

6. Third-Party Platforms

Campaigns and integrations operate across third-party platforms (CRMs, Meta, telecommunication carriers, WhatsApp). We are not responsible for third-party outages, carrier restrictions, or external platform policy changes.

7. No Guarantee of Settlements

We supply qualified borrower conversations, not approvals or settled deals. We make no promise that you will settle any particular volume. Settlements depend on the borrower's financial position, your lender panel, and your credit advice. Nothing in the Services is financial, legal, or credit advice.

8. Lead Replacement Standards

If a lead fails your approved criteria, has an invalid or disconnected phone number, is fake, or is a duplicate from the last 90 days, we restore the credit and supply a replacement at no extra cost. Notify us by email within 72 hours and our team responds within three business days.

9. Acceptable Use

No unlawful, deceptive, or abusive use; no sharing access; no using our systems to harass borrowers or submit misleading credit applications.

10. Limitation of Liability

To the maximum extent permitted by law, our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. We are not liable for indirect, incidental, or consequential damages, or lost commissions. Nothing here excludes rights that cannot be excluded under the Australian Consumer Law; where such rights apply, our liability is limited to re-supply of the services or the cost of re-supply.

11. Disputes & Governing Law

These Terms are governed by the laws of the State of Delaware, USA, with respect to corporate operations, and Australian Consumer Law where mandatory. Disputes will first be addressed through good-faith negotiation, then mediation before any formal proceedings.

12. Contact

Lead Estate · contact@vicolize.com