1. About The Website

1.1. The Website is owned and operated by Negroni Software Pty Limited (ACN 684 466 804) (Negroni, we, us, or our).

1.2. The following Website terms of use (Terms of Use) govern your access to and use of the Website.

1.3. By accessing or using the Website (www.negronisoftware.com) or any website of the same domain (Website), you agree to be bound by these Terms of Use.

2. Use of Negroni’s Platform

2.1. Negroni delivers a cloud-based loan management software platform on a Software-as-a-Service basis to non-bank lenders and a broad range of business customers, covering loan origination, servicing, collections and recovery, and portfolio analytics (Services).

2.2. Access to and use of the Services is subject to the service agreement between Negroni and the user, which sets out the subscription terms, fees, and access rights for the relevant Negroni products. Please refer to your service agreement for further details.

3. General Advice Warning

3.1. The content on the Website is provided for general informational purposes only and does not constitute:

(a) An offer, solicitation, or invitation to provide financial products, lines of credit, or lending services;

(b) Financial, investment, credit, or lending product advice (whether personal or general);

(c) Legal, taxation, or other professional advice; or

(d) A recommendation to engage in any loan strategy, credit decision, or financial transaction.

4. Your Responsibilities

4.1. Before making any decision based on information from the Website, you should:

(a) Assess whether any product or strategy is appropriate for your circumstances, objectives, and situation;

(b) Consult with Negroni staff directly to discuss your specific requirements; and

(c) Seek independent advice from qualified professionals.

4.2. You are responsible for:

(a) Conducting your own due diligence and investigations;

(b) Verifying any information before relying on it; and

(c) Making your own independent assessment of the suitability of the Services for your business needs.

5. Prohibitions

5.1. Access to the Website is provided to you on the basis that you must not misuse the Website. Accordingly, you will not do any of the following:

(a) commit or encourage a criminal offence;

(b) transmit or distribute a virus, trojan, worm, logic bomb or any other material which is malicious, technologically harmful, in breach of confidence or in any way offensive or obscene;

(c) gain or attempt to gain unauthorised access into any aspect of the Website; corrupt data; cause annoyance to other users;

(d) infringe any other person’s proprietary rights;

(e) send any unsolicited advertising or promotional material (spam);

(f) attempt to interfere with or disrupt the performance or functionality of the Website or any systems accessible through it; or

(g) attempt to access or alter code, software, or data without authorisation.

5.2. Negroni may restrict access and report suspected unlawful conduct or disclose information where permitted or required by law.

5.3. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any Linked Sites.

6. Disclaimers and Limitations of Liability

6.1. To the maximum extent permitted by law, Negroni:

(a) Makes no representations or warranties (express or implied) regarding the accuracy, completeness, currency, reliability, or suitability of any information on the Website;

(b) Does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components; and

(c) Disclaims all warranties, including implied warranties of merchantability, fitness for purpose, and non-infringement.

6.2. To the fullest extent permitted by law (including under the Australian Consumer Law), Negroni excludes all liability for:

(a) Any errors, omissions, or misstatements (whether negligent or otherwise) in the content of the Website;

(b) Any loss, damage, cost, or expense (whether direct, indirect, consequential, or incidental) arising from your access to or use of the Website or reliance on its content;

(c) Any loss of profits, revenue, data, business opportunities, or goodwill; and

(d) Any damages arising in contract, tort (including negligence), equity, statute, or otherwise.

6.3. Where liability cannot be excluded by law, Negroni’s liability is limited to the maximum extent permitted.

6.4. Negroni is under no obligation to update, correct, or maintain the currency of information on the Website. Information may be based on market conditions, assumptions, or data that change without notice.

7. Jurisdiction and Regulatory Information

7.1. Unless otherwise specified in an agreement, the Website, features, and Services described on the Website are intended for use by business entities located in:

(a) Australia;

(b) New Zealand;

(c) Europe; and

(d) Singapore

(together, Relevant Jurisdictions) and are subject to Australian law.

7.2. The information on the Website is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to local law or regulation. Accessing the Website does not constitute a software subscription offer, solicitation or invitation in jurisdictions where such offers, solicitations or invitations are prohibited.

7.3. If you access the Website from outside of the Relevant Jurisdictions, you do so at your own initiative and are responsible for compliance with local laws.

8. Third-Party Content and Links

8.1. The Website may contain hyperlinks to third-party websites not controlled by Negroni. These links are provided for convenience only. Negroni:

(a) Does not endorse, approve, or control the content of linked websites;

(b) Makes no representations regarding the accuracy, quality, or suitability of third-party content or services;

(c) Bears no responsibility for the availability, content, privacy practices, or terms of use of external sites; and

(d) Recommends that you conduct your own enquiries regarding third parties and review their terms and privacy policies.

9. Intellectual Property Rights

9.1. All content on the Website, including text, graphics, logos, images, software, and design elements, is owned by or licensed to Negroni and is protected by Australian and international intellectual property laws.

9.2. You may view and print content from the Website for personal, non-commercial use only, provided you:

(a) Do not modify, reproduce, or distribute the content;

(b) Retain all copyright and proprietary notices; and

(c) Do not use the content for any commercial purpose without Negroni’s prior written consent.

9.3. Without Negroni’s express written permission, you must not:

(a) Reproduce, adapt, modify, distribute, or publicly display any content from the Website;

(b) Frame, mirror, or incorporate the Website or its content into another website;

(c) Use any automated system (including robots, scrapers, or data mining tools) to access or extract content; or

(d) Use Negroni’s name, logo, or trademarks without authorisation.

10. Disclaimer as to ownership of trademarks, images of personalities and third-party copyright

10.1. Except where expressly stated to the contrary, all persons (including their names and images), third party trademarks and content, services and/or locations featured on the Website are in no way linked or affiliated with Negroni and you should not rely on the existence of such a connection or affiliation.

10.2. Any trademarks/names featured on the Website are owned by the respective trademark owners. Where a trademark or brand name is referred to, it is used solely to describe or identify the Services and is in no way an assertion that such services are endorsed by or connected to Negroni.

10.3. Any names, logos, or brands displayed on the Website are used with the permission of the relevant party. Such references do not imply any ongoing partnership, endorsement, or affiliation beyond what has been agreed with that party.

11. Privacy and Data Protection

11.1. Negroni is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

11.2. Where Negroni operates or processes personal information in other jurisdictions outside Australia, we are committed to protecting the personal information in line with the applicable privacy laws in those jurisdictions, in addition to our obligations under the Privacy Act 1988 (Cth).

11.3. Any personal information obtained through the Website, including through the Contact Us form and other enquiry forms, is collected, used, and disclosed in accordance with our Privacy Policy.

11.4. Please refer to our Privacy Policy available on our website www.negronisoftware.com for detailed information about:

(a) What personal information we collect and how we collect it;

(b) How we use, store, and disclose your information;

(c) Your rights to access and correct your information; and

(d) How to make a privacy complaint.

12. Security and Fraud Prevention

12.1. Negroni takes the security of our systems and your information seriously. We implement reasonable technical and organisational measures to protect against unauthorised access, fraud, and cyber threats.

12.2. You should:

(a) Maintain the confidentiality of any login credentials or passwords;

(b) Use up-to-date antivirus and security software;

(c) Be vigilant against phishing, scams, and fraudulent communications; and

(d) Report any suspected security breaches or fraudulent activity to us immediately.

12.3. If you suspect fraud or have security concerns, please contact us.

13. General Terms

13.1. These Terms of Use are governed by the laws of New South Wales, Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales.

13.2. If any provision of these Terms is held to be invalid or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

13.3. These Terms constitute the entire agreement between you and Negroni regarding your use of the Website and supersede any prior agreements or understandings.

13.4. Negroni reserves the right to modify these Terms at any time without prior notice. Your continued use of the website after any changes constitutes acceptance of the modified Terms. We recommend reviewing these Terms periodically.

13.5. We update and carry out maintenance on our website regularly. At times we may have to suspend access, service or functionality on our website, without notice. We will not be liable if, for any reason, our website is not available at any time or for any period of time.

13.6. No waiver of any provision of these Terms of Use will be deemed a further or continuing waiver of that or any other provision.

13.7. If you have any questions about these Terms of Use, please contact us at:

Attn: Negroni Software Pty Limited

Address: Suite 404, Level 4, 165 Phillip Street, Sydney NSW 2000

By email: info@negronisoftware.com