Terms of Service — Fraud Finder

Operator: Saviora Technologies Pty Ltd (ABN 55 701 573 855) trading as Fraud Finder ("we", "us"). Effective: 25 August 2026. By creating an account or using Fraud Finder you agree to these Terms of Service (these are in addition to the Terms and Conditions relating to the use of this Website and the Fraud Finder services).

Plain-English summary (not a substitute for the Terms): Fraud Finder reports observable facts about a document to support a human reviewer — it never decides anything for you. A report with no findings is not a guarantee a document is genuine, and we are not responsible if a document that shows no findings later turns out to be fraudulent — the decision to accept a document is always yours. Your documents are analysed in your browser and never uploaded to us. Your subscription has no per-document fees for ordinary business use, subject to the Fair Use Policy in section 6. If use is far outside ordinary business use we will contact you first, and we only rate-limit or suspend after notice and a chance to adjust. The self-serve plan is for broking businesses — lenders and other institutions need a volume agreement with us. You can cancel online at any time.

1. What Fraud Finder is — and is not

Fraud Finder surfaces observable facts about a document's structure and history to support a human reviewer. It is decision-support, never decision-making. It does not determine whether a document is fraudulent, nor anyone's intent.

• A finding describes the file's bytes, not a person's conduct.
• Absence of findings is not proof a document is genuine, and a finding is not proof of wrongdoing.
• Some checks may be skipped where a document cannot be read reliably; a skipped check is reported as skipped, not as a result.
• You (the reviewer) remain solely responsible for any decision you make, including any decision about a loan application, a customer, an employee or a document, and for complying with your own legal and licensing obligations (including under the NCCP Act and the Privacy Act) when acting on a report.

We need the unedited electronic document. The analysis reads the file itself — its internal structure and history — so we need the unedited electronic version of the document, as it was issued. A printed, scanned, photographed or re-saved copy no longer carries what the checks read, and the checks that depend on it are reported as skipped.

No guarantee of detection. Fraud Finder reports only what is observable in a file. A fabricated document may contain nothing observable — a report with no findings means no observable indicators were found, not that the document is genuine. You must not treat a clear report as verification, certification or approval of a document. To the maximum extent permitted by law, we are not responsible and accept no liability if a document that returned no findings (or that you analysed in any way) is later found to be fraudulent, altered or otherwise not genuine, or for any loss arising from your or anyone else's acceptance of, or reliance on, such a document. This Fraud Finder service must be seen as one of many steps in a document review and verification process, not the only process of review and verification for a document.

2. Who the service is for

Fraud Finder's self-serve subscription is provided for finance and mortgage broking businesses and their staff, as well as financial services businesses and their staff, in the course of business, for assessing documents received in that broking business's own client workflow. It is not intended for consumers or for personal, domestic or household use. Our Terms and Conditions only allow certain categories of users to access the Fraud Finder services.

Institutional use requires a separate agreement. Use by or on behalf of a lender, funder, aggregator, lenders mortgage insurer or other institution — including screening incoming applications, a loan book or a portfolio at institutional volume — is not covered by the self-serve subscription and requires a separate written volume agreement with us. Contact us at info@fraudfinder.com.au to arrange one.

3. Accounts

Each account and login is for one named individual. You must keep your credentials confidential, must not share a login, and are responsible for use of the service under your account. Seats for additional staff are additional subscriptions.

4. Your responsibilities — authority to submit documents

You warrant that, for every document you analyse, you have the legal authority and any necessary consent to process it (including where it contains a third party's personal or financial information, and including any authority required under the Privacy Act 1988 (Cth) and your own credit-licensing obligations).

You indemnify us against third-party claims arising from your breach of this warranty, except to the extent the loss is caused by our breach of these Terms, our negligence or our wilful misconduct.

5. Subscriptions, billing and cancellation

• Price: the monthly subscription fee shown on our pricing page and at signup, plus GST, per user, billed monthly in advance via Stripe. Prices on our pricing page are shown excluding GST; checkout shows the GST-inclusive total you will be charged.
• What the price includes: access for one user with no per-document fees, subject to the Fair Use Policy (section 6).
• Auto-renewal: the subscription renews monthly until cancelled. The recurring amount, charge date and how to cancel are shown at signup.
• Cancellation: you may cancel online, at any time, via the billing portal — no notice period, no cancellation fee. Access continues to the end of the period already paid.
• No trial. Free access is available only where we grant it (e.g. an internal organisation or a promotional code).
• Price changes: we will give at least 30 days' written notice of any price change. If you do not wish to pay the new price, you may cancel before it takes effect; the old price applies until then. Promotional rates are an exception — see the next bullet.
• Promotional rates: where you subscribe at a promotional or launch rate, that rate applies for as long as your subscription remains continuously active. The rate belongs to the subscription, not to you personally: if the subscription is cancelled, lapses for non-payment, or is otherwise interrupted, the rate ends, and any new subscription starts at the rate then current.
• Refunds: other than as required by law, fees already paid are not refunded on cancellation — instead, your access continues to the end of the period you have paid for. Nothing in these Terms excludes rights you have under the Australian Consumer Law that cannot lawfully be excluded.

6. Fair Use Policy

This Fair Use Policy is part of these Terms and can only be changed the same way the Terms are changed (Terms and Conditions section 4).

6.1 What "no per-document fees" means

Your subscription covers the ordinary business use of your own broking business: analysing documents received in your own client workflow, by the named account holder, through the Fraud Finder application. It is not a general-purpose document-processing utility, it is not an API (the service does not offer one), it is not a service you may resell, and it is not an institutional screening tool — institutional use is covered only by a separate volume agreement (section 2).

6.2 Indicative fair use level

Typical customers analyse on the order of 100–200 documents per user per month. Use up to 500 document checks per user per calendar month — roughly two to five times typical use — will never be treated as excessive. Use above that level is not automatically a breach; it is the point at which we may look at whether the use fits section 6.1 and section 6.3, and contact you about it.

6.3 Prohibited use

Regardless of volume, you must not:

• access the service by any automated or programmatic means (scripts, bots, scraping, bulk-submission tooling, or calling the service's endpoints directly — the service offers no API) other than the application's own interface;
• share logins or use one subscription to serve multiple staff — each login is for one named individual (section 3);
• use a self-serve subscription for institutional screening — use by or for a lender, funder, aggregator or other institution requires a separate volume agreement (section 2);
• resell the service or operate it as a service bureau — running checks as a product for third parties who are not your own clients;
• use the service to build or benchmark a competing product, or attempt to reverse-engineer the detection checks;
• attempt to bypass entitlement, quotas or rate limits, or interfere with the integrity or performance of the service or its use by others;
• use the service unlawfully, including analysing documents you have no authority to hold (section 4).

6.4 What we may do — in this order

If your use materially exceeds the indicative level in 6.2 in a way that does not fit section 6.1, or breaches section 6.3, we may take the following steps, mildest first:

1. Contact you to understand the use, and where the use is legitimate, offer a plan suited to it (for example, additional seats or a volume arrangement).
2. Give you 14 days' written notice to bring use within this policy.
3. After that notice, rate-limit the connected features of your account. The practical effect of rate-limiting is that document checks and register lookups are limited to 25 document checks per day — the service remains fully usable for ordinary business use as described in 6.1.
4. Suspend the account, only where excessive or prohibited use continues after notice and rate-limiting, or where the breach is of section 6.3 and is not remedied within 14 days of written notice.

Exception — immediate temporary measures: where use is actively degrading the service for other customers, threatens the security of the service, or puts our access to a third-party register (such as the Australian Business Register) at risk of suspension, we may rate-limit immediately, and will notify you within 1 business day and then follow the steps above.

If your account is rate-limited or suspended under this section you may still cancel under section 5 at any time.

7. Australian Consumer Law

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under the ACL that cannot lawfully be excluded, restricted or modified.

To the extent permitted by s64A of the ACL, and because the service is not of a kind ordinarily acquired for personal, domestic or household use, our liability for failure to comply with a consumer guarantee is limited, at our option, to supplying the service again or paying the cost of having the service supplied again.

8. Disclaimers & limitation of liability

Subject always to section 7:

• The service reports observable facts about files; we do not warrant that findings are complete, that every alteration will be detected, or that any document is genuine or fraudulent.
• We are not liable for decisions you or anyone else makes in reliance on the service (section 1), including any decision to accept, rely on or act upon a document that the service analysed — whether or not the analysis produced findings — and including where such a document is later found to be fraudulent, altered or otherwise not genuine.
• Neither party is liable to the other for indirect or consequential loss (including loss of profit or business), except that nothing limits your payment obligations, either party's liability for breach of confidence, or liability that cannot lawfully be limited.
• Each party's aggregate liability under these Terms is limited to the fees paid or payable in the 12 months before the event giving rise to the claim.

9. Suspension & termination

• By you: cancel online at any time (section 5).
• By us, for breach: we may suspend or terminate your account for a material breach of these Terms that is not remedied within 14 days of written notice describing the breach. Fair-use matters are handled under the graduated process in section 6.4, which applies instead of this clause.
• By us, immediately: we may suspend immediately where required by law, or where your use presents a genuine security risk to the service or other customers, or is unlawful; we will notify you promptly and lift the suspension if the risk is resolved.
• Non-payment: if a renewal payment fails we will notify you and retry; access is suspended only after 7 days and restored on payment.
• You may terminate for our material unremedied breach on the same 14-day basis.