Terms of Service

Last updated: August 2026

1. Agreement to Terms

By accessing or using the REFS Australia website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Services

REFS Australia provides mentoring, training, and consulting services for mortgage brokers. Our services include but are not limited to:

  • 24-month mentoring programs for new-to-industry brokers
  • Training courses and workshops
  • Business consulting for established brokers
  • Resource materials and support

3. Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts
  • Meet any specific eligibility requirements for individual programs
  • Provide accurate and complete information when registering

4. Service Agreements

Specific services may be subject to additional terms and conditions, which will be provided to you prior to commencement. These may include:

  • Program-specific terms and conditions
  • Payment terms and schedules
  • Cancellation and refund policies
  • Confidentiality requirements

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of REFS Australia or its content suppliers and is protected by Australian and international copyright laws.

You may not:

  • Reproduce, distribute, or modify any content without written permission
  • Use our trademarks or branding without authorisation
  • Share program materials with non-participants

6. User Responsibilities

When using our services, you agree to:

  • Provide accurate and current information
  • Maintain the confidentiality of any account credentials
  • Use our services only for lawful purposes
  • Respect the intellectual property rights of REFS Australia and others
  • Not engage in any conduct that could damage our reputation or business

7. Payment Terms

Payment terms for our services will be specified in individual service agreements. Generally:

  • Fees are payable in Australian Dollars (AUD)
  • Payment methods will be specified at the time of booking
  • Late payments may incur additional charges
  • Refunds are subject to our refund policy for each service

8. Limitation of Liability

To the maximum extent permitted by law:

  • REFS Australia is not liable for any indirect, incidental, or consequential damages
  • Our total liability is limited to the fees paid for the relevant service
  • We do not guarantee specific outcomes from our mentoring, training, or consulting services

9. Disclaimer

Our services are provided for educational and guidance purposes. We do not provide financial advice, legal advice, or guarantee business success. See our full disclaimer for more information.

10. Termination

We reserve the right to terminate or suspend access to our services at our discretion, including for:

  • Breach of these terms
  • Fraudulent or illegal activity
  • Conduct detrimental to other participants or our business

11. Changes to Terms

We may modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms. We will notify you of material changes where practicable.

12. Governing Law

These terms are governed by the laws of Queensland, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Queensland.

13. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14. Contact

For questions about these terms, please contact us: