Terms of Service

1. Acceptance of Terms

By accessing or using the Kobble website (www.kobble.net) and any associated 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.

These terms apply to all visitors, users, and others who access or use the website. Separate terms and agreements apply to the use of the Kobble platform, APIs, and financial services products, which are provided under individual client agreements.

2. About Kobble

Kobble Pty Ltd (ABN 39 654 791 877) is an Australian company that operates a Banking-as-a-Service platform. Kobble holds Australian Financial Services Licence No. 549588 and is registered with AUSTRAC.

3. Use of the Website

You agree to use the website only for lawful purposes and in a manner that does not:

Infringe the rights of, or restrict or inhibit the use and enjoyment of the website by, any third party
Breach any applicable local, national, or international law or regulation
Attempt to gain unauthorised access to any part of the website, other accounts, or computer systems or networks
Introduce viruses, trojans, worms, or other material that is malicious or technologically harmful
Collect or harvest any information from the website for any unauthorised purpose

4. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, and software, is the property of Kobble Pty Ltd or its content suppliers and is protected by Australian and international intellectual property laws. The Kobble name, logo, and all related product and service names, design marks, and slogans are trademarks of Kobble Pty Ltd.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

5. Information Accuracy

While we endeavour to ensure the information on our website is accurate and up to date, we make no warranties or representations about the accuracy, completeness, or suitability of the information. The content on this website is provided for general information purposes and does not constitute financial, legal, or professional advice.

Nothing on this website should be construed as an offer or solicitation to provide financial services. All financial services provided by Kobble are subject to separate agreements and regulatory requirements.

6. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Kobble. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

7. Limitation of Liability

To the maximum extent permitted by Australian law, Kobble Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of or inability to use the website.

8. Indemnification

You agree to indemnify, defend, and hold harmless Kobble Pty Ltd, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of the website or violation of these terms.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

11. Contact

If you have questions about these Terms of Service, please contact us.