iFund Real Estate Terms & Conditions
Effective Date:
12 September 2026
Last Updated:
12 September 2026
These Terms & Conditions ("Terms") govern your access to and use of the iFund Real Estate website, mobile applications and related services (collectively, the "Platform"). By creating an account, accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.
1. About iFund Real Estate
iFund Real Estate is operated by IFUND TECHNOLOGIES PTY LTD ACN 699 020 883, an Australian proprietary company limited by shares, registered in Queensland, Australia, with its headquarters in Queensland, Australia ("iFund", "we", "us" or "our").
iFund is an Australian-operated global technology marketplace designed to connect borrowers and capital seekers with Funding Specialists through technology-enabled discovery, matching and communications. The Platform may allow users to select, nominate or search by countries and jurisdictions worldwide. The inclusion of a country or jurisdiction in a selector, search field, profile, matching criterion or other Platform feature does not represent that iFund, or any Funding Specialist, is licensed, authorised, established or otherwise permitted to provide a regulated service in that jurisdiction.
For these Terms, "Funding Specialist" means a lender, finance broker, intermediary, private credit provider, fund, financial institution, investor, capital provider or other professional or organisation using the Platform in connection with funding opportunities.
iFund operates the technology Platform as a technology, discovery, matching and communications service. Unless expressly stated otherwise in separate written terms, iFund does not itself provide, underwrite or approve funding; act as a lender, credit provider, finance broker, financial adviser, investment adviser, trustee, custodian, bank or deposit-taking institution; hold or transfer user funds; arrange or execute a financial product transaction on behalf of a user; or provide financial, investment, credit, legal, tax or other professional advice.
Any future payment, transaction, regulated credit or financial-service functionality will be offered only where iFund determines it is legally permitted to do so and may be subject to separate terms, eligibility requirements, licences, authorisations, disclosures, verification processes and regulatory controls.
You must be at least 18 years old, or the legal age of majority in your jurisdiction, and have legal capacity to enter into these Terms.
If you use the Platform for a company, fund, partnership, trust or other organisation, you represent that you are authorised to bind that organisation to these Terms.
You must not use the Platform where doing so would violate applicable law, sanctions, licensing restrictions or other legal requirements.
3. International Use and Regulatory Responsibility
iFund is operated from Australia and is designed for international participation. The Platform may be accessible from, and may permit users to select or nominate, countries and jurisdictions worldwide. Accessibility, availability, a country selector, search result, match, profile or display of a jurisdiction does not constitute an offer or solicitation by iFund in that jurisdiction and does not represent that iFund or any Funding Specialist is licensed, authorised, approved or permitted to provide a regulated financial, credit, brokerage, investment or other regulated service there.
Each user is responsible for determining and complying with the laws, regulations, licensing requirements, professional obligations, disclosure requirements, marketing restrictions, sanctions, anti-bribery requirements, foreign investment rules, tax requirements and other requirements applicable to that user, its activities and any transaction undertaken through or following use of the Platform. A user must not use the Platform to offer, promote, arrange or obtain a product or service where doing so would be unlawful.
Funding Specialists are solely responsible for determining where they may lawfully operate and for maintaining all licences, registrations, permissions, authorisations and disclosures required for the products or services they offer, promote, arrange or provide. iFund does not assume a Funding Specialist’s regulatory obligations merely because the Platform displays, matches or facilitates communication with that Funding Specialist.
Unless iFund expressly enables and identifies a service for another purpose, the Platform is intended primarily for business, commercial, property, development, investment and professional funding opportunities. It is not intended to be used by iFund to provide or arrange personal, domestic or household consumer credit. Users must not represent otherwise.
iFund may restrict, geo-block, suspend or decline access to the Platform, particular features, funding categories, transactions or users in any jurisdiction where reasonably required for legal, regulatory, sanctions, risk, security or commercial reasons.
4. User Accounts
Certain Platform features require an account. You must provide accurate, complete and current information; keep your credentials confidential; take reasonable steps to prevent unauthorised access; and notify us promptly of suspected compromise.
You are responsible for activity through your account except to the extent caused by circumstances outside your reasonable control. You must not create an account using another person’s identity or information without authority.
5. User Profiles, Funding Briefs and Content
Users may submit profiles, funding briefs, funding criteria, documents, messages and other information ("User Content"). You remain responsible for your User Content and for ensuring you have the right and authority to provide it.
You represent that User Content is accurate to the best of your knowledge, is not misleading, does not infringe third-party rights, does not contain malicious code and complies with applicable law.
You grant iFund a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, copy, transmit, process, analyse, index, classify, format, display and otherwise technically use User Content to the extent reasonably necessary to operate, administer, secure, support, improve and develop the Platform and its matching, search, verification, communication, artificial-intelligence and related functions, subject to our Privacy Policy. This licence does not transfer ownership of your User Content to iFund. You are responsible for redacting personal, confidential or sensitive information that is not reasonably necessary for the relevant Platform purpose.
6. Intelligent and Automated Matching
The Platform may use automated systems, algorithms, rules, scoring, artificial intelligence, machine-learning tools and third-party technology providers to organise, analyse, summarise, search, rank, explain or identify potentially relevant connections based on information, preferences and criteria supplied by users and Funding Specialists.
A match, ranking, compatibility score, search result, AI-generated explanation or other output generated by the Platform is informational only. It is not financial or credit advice, an endorsement, recommendation, approval, offer of funding, representation of suitability, underwriting decision, credit assessment or determination that a user, funding product or transaction is appropriate for another user.
Automated outputs depend on the information and systems available to the Platform and may be incomplete, inaccurate, outdated, unavailable or affected by user information, Funding Specialist criteria, third-party systems or technical limitations. Outputs may change without notice. Users and Funding Specialists must conduct their own assessment, verification, underwriting and due diligence before proceeding and must not rely on a Platform output as the sole basis for a financial, credit, investment or transaction decision.
7. Verification, Due Diligence and User Responsibility
Unless expressly indicated on the Platform, iFund does not independently verify every user, funding request, funding capability, representation, document, licence, accreditation or other item submitted through the Platform. iFund may rely on information, documents and representations supplied by users and third parties without independently investigating or continuously monitoring them, except where applicable law requires otherwise.
iFund may, where it considers appropriate or where required by law, request or use identity, business, beneficial ownership, licence, credential, fraud-prevention, sanctions, politically exposed person or other verification and risk-screening information. Any verification, screening or review is conducted for iFund's own risk-management, security, marketplace-integrity or legal purposes unless expressly stated otherwise. iFund is not required to conduct, repeat, update or continuously monitor any verification merely because a user remains on the Platform. If iFund becomes subject to specific KYC, KYB, anti-money laundering or counter-terrorism financing obligations for a particular service, it may conduct checks and require information necessary for those obligations. These activities do not mean that iFund has assumed the regulatory or due-diligence obligations of any Funding Specialist or other user. iFund may refuse, restrict, suspend or terminate access, decline to facilitate an introduction, preserve records or make reports or disclosures to competent authorities where permitted or required by law. A verification badge or status, if offered, means only that the checks identified by iFund at the relevant time were completed; it is not an endorsement, warranty, guarantee, certification of financial capacity, confirmation of continuing regulatory status or representation of suitability.
Users are responsible for verifying counterparties, authority, credentials, financial capacity, transaction documents and other relevant information and for obtaining independent professional advice where appropriate.
8. User-to-User Communications and Dealings
iFund may facilitate introductions and communications between users. Unless expressly stated otherwise in separate written terms, iFund is not a party to negotiations, funding agreements, loan documents, mandates, advisory agreements or other transactions entered into between users, whether dealings occur on or off the Platform. Independent users act for themselves and not as agents, representatives, partners or employees of iFund.
Users are responsible for their communications, decisions, negotiations, due diligence, documentation and transactions. iFund does not guarantee the identity, honesty, authority, licensing status, creditworthiness, funding capacity, performance, conduct or continuing suitability of another user, or that any communication, match or introduction will result in funding or an agreement. To the maximum extent permitted by law, iFund is not responsible for independent acts, omissions, representations, advice or processing undertaken by users outside iFund's instructions or control, including fraud, misrepresentation, forged or inaccurate documents, undisclosed conflicts, inaccurate funding capacity, inaccurate property or project information, defaults, non-performance or misconduct by another user.
Once users have been introduced or communicate with each other, iFund has no obligation, unless expressly agreed in writing or required by law, to monitor or supervise negotiations, mandates, offers, loan documentation, settlements, security arrangements, repayments, defaults, enforcement, commissions, fees, disputes or other dealings between them, whether those dealings occur on or off the Platform.
Nothing in these Terms or in use of the Platform creates an agency, partnership, joint venture, fiduciary, employment, representative, trustee, advisory or similar relationship between iFund and any user or Funding Specialist, or between users, merely because iFund provides the Platform, a match, an introduction, verification functionality or communications functionality.
9. No Financial, Credit or Professional Advice
Nothing on, communicated through or generated by the Platform constitutes financial product advice, personal financial advice, investment advice, credit assistance, lending advice, legal, accounting, tax or other professional advice by iFund. Information and matching outputs are general and technology-enabled in nature and do not take account of your complete circumstances.
You are responsible for obtaining independent professional advice where appropriate before making financial or transaction decisions.
10. No Guarantee of Funding or Outcomes
Submitting a funding brief, receiving a match or communicating with a Funding Specialist does not guarantee approval, funding, terms, pricing, repayment, returns, timing or any other outcome.
All funding decisions, terms, approvals, offers and agreements are determined by the relevant Funding Specialist and other transaction parties.
11. Acceptable Use
You must not use the Platform to provide false, deceptive or fraudulent information; impersonate another person or organisation; misrepresent authority, licensing, funding capacity or regulatory status; facilitate fraud, money laundering, terrorist financing, sanctions evasion, bribery or other unlawful conduct; gain unauthorised access; share account credentials except through an authorised feature; interfere with security or operation; introduce malicious code; scrape, harvest, crawl, copy or systematically extract Platform data, user information, Funding Specialist information or matching results without permission; reverse engineer or attempt to discover proprietary matching, scoring or AI logic except to the extent a restriction is prohibited by law; use Platform information, outputs or User Content to build, benchmark or train a competing database, model, marketplace or service; harass or deceive users; infringe intellectual property, confidentiality or privacy rights; circumvent or attempt to circumvent subscription restrictions, usage limits, access controls, fees or commercial arrangements applicable to your use of the Platform; or otherwise use the Platform unlawfully.
We may investigate suspected misuse and may preserve or disclose information where permitted or required by law.
12. Funding Specialist Subscriptions and Billing
Borrower or capital-seeker access may be offered free of charge. Certain features for Funding Specialists or other users may require a paid membership, subscription or enterprise arrangement. Available plans, prices, billing periods, eligibility, usage limits and included features will be displayed on the Platform or agreed in applicable order terms at the time of purchase. Promotional, trial, founding-member or discounted access may be subject to additional conditions and may be changed or withdrawn for future periods, subject to applicable law.
Unless otherwise stated at purchase, paid subscriptions renew automatically for the same billing period until cancelled. You authorise our payment provider, app-store provider or other authorised billing provider to charge the applicable subscription fee, taxes and disclosed charges using your selected payment method. Where a purchase is made through a third-party app store or billing platform, cancellation, refunds and billing administration may also be subject to that provider’s applicable rules.
You may cancel a subscription through the available account or billing controls or, where applicable, through the third-party provider through which you purchased it. Cancellation ordinarily takes effect at the end of the current paid billing period unless otherwise stated or required by law. Fees already paid are generally non-refundable except where required by applicable law, expressly stated in applicable plan terms, or required by the rules governing the relevant third-party billing channel.
We may change subscription pricing, plan names, usage limits or included features where reasonably necessary for commercial, technical, security, legal or product reasons. For an existing recurring paid subscription, we will provide reasonable advance notice of a material adverse change and the change will ordinarily apply from a future renewal date, subject to applicable law. If applicable law gives you a right to cancel because of the change, that right is unaffected.
If payment fails, we may retry payment, restrict paid features or suspend the relevant subscription after reasonable notice. Payment processing may be provided by a third-party payment provider and may be subject to that provider’s terms.
Nothing in these Terms excludes, restricts or modifies any consumer guarantee, statutory right or remedy that cannot lawfully be excluded, including rights that may apply under the Australian Consumer Law.
13. Taxes
Unless stated otherwise, prices are displayed in the currency shown at checkout. Taxes, GST, VAT or similar charges may apply depending on the transaction and jurisdiction. You are responsible for taxes imposed on you by law, except taxes imposed on iFund’s income.
14. Intellectual Property
The Platform and its software, source code, object code, designs, interfaces, databases, data structures, matching logic, algorithms, models, workflows, graphics, logos, trademarks, text, compilations and other materials are owned by or licensed to iFund and are protected by applicable intellectual property laws. Except for User Content, no right, title or interest in the Platform is transferred to you.
Except as expressly permitted by these Terms or applicable law, you may not copy, modify, adapt, distribute, publicly display, publish, sell, sublicense, reverse engineer, decompile, attempt to extract source code or proprietary logic, use iFund branding without written permission, or commercially exploit Platform content, data or outputs. If you voluntarily provide feedback, suggestions or ideas about the Platform, iFund may use them without restriction or payment, provided this does not give iFund ownership of your pre-existing confidential information or intellectual property.
Subject to applicable privacy law and confidentiality obligations, iFund may create and use aggregated, statistical, analytical, technical and de-identified information derived from operation and use of the Platform for security, analytics, benchmarking, service improvement, product development, research, commercial planning and other lawful business purposes, provided that such information does not identify an individual where applicable law requires de-identification.
15. Limited Platform Licence
Subject to these Terms, iFund grants you a limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Platform for its intended purposes. No ownership rights are transferred to you.
16. Third-Party Services and Links
The Platform may use, integrate with or depend on third-party services for hosting, cloud infrastructure, databases, authentication, identity or credential verification, payments, app distribution, communications, messaging, analytics, storage, artificial intelligence and other functions. Third parties may have their own terms, privacy policies, availability requirements and geographic restrictions.
iFund is not responsible for third-party services, websites or systems outside our reasonable control, but this clause does not exclude responsibilities that cannot lawfully be excluded.
17. Privacy and Cross-Border Data
Our collection, use, disclosure and protection of personal information is governed by the iFund Privacy Policy and applicable privacy law. The Privacy Policy forms part of the contractual framework for use of the Platform but does not create privacy rights beyond those provided by applicable law or expressly agreed by iFund in writing.
Because iFund is a global Platform, personal information may be processed, stored, accessed or disclosed across national borders, including by technology and service providers and, where relevant to functionality requested by a user, by Funding Specialists or other independent users in other jurisdictions. Users who submit personal information about another person are responsible for having the lawful authority to do so and for providing any notice or obtaining any consent required from them. Cross-border handling is further described in the Privacy Policy.
You should review the Privacy Policy before submitting personal information or using the Platform.
18. Platform Availability and Changes
We aim to provide a reliable Platform but do not guarantee uninterrupted, secure or error-free availability. Maintenance, updates, security incidents, infrastructure issues, network interruptions, third-party failures and events beyond our reasonable control may affect availability.
The Platform is not intended to be the sole repository or archival system for transaction-critical records. Users are responsible for maintaining their own copies of important funding, property, financial, legal, commercial and transaction documents and communications. To the maximum extent permitted by law, iFund is not responsible for loss resulting solely from a user's failure to maintain appropriate independent records or backups.
We may modify, replace, suspend or discontinue features or parts of the Platform where reasonably necessary for product development, security, technical, legal, regulatory or commercial reasons. We will not use this right to avoid an accrued obligation. Where a material adverse change affects a paid subscription, we will provide reasonable notice where practicable and comply with any cancellation, refund or other rights required by applicable law or applicable plan terms.
19. Suspension and Termination
We may suspend, restrict or terminate access where you materially breach these Terms; provide materially false or misleading information; fail to pay applicable fees; fail or refuse reasonably required verification; create legal, regulatory, sanctions, fraud, security or material reputational risk; misuse the Platform; materially harm or threaten other users; or where action is reasonably necessary to comply with law, a competent authority, or to protect the Platform or its users. Where appropriate in the circumstances, we may give notice and an opportunity to remedy before termination, but immediate action may be taken for serious, repeated, security, fraud, sanctions or legal-risk matters.
You may stop using the Platform at any time and may cancel paid subscriptions in accordance with section 12.
Suspension, termination, account closure or deletion does not require iFund to immediately delete records that iFund is lawfully entitled or required to retain, including records reasonably required for security, fraud prevention, dispute resolution, enforcement, audit, regulatory, tax, backup, recovery or legal-compliance purposes. Retention and deletion of personal information are governed by the Privacy Policy and applicable law.
Provisions intended by their nature to survive termination, including intellectual property, payment obligations already incurred, disclaimers, liability provisions and dispute provisions, will survive.
20. Disclaimers
To the maximum extent permitted by law, the Platform and Platform-generated information are provided on an "as is" and "as available" basis. iFund does not warrant that the Platform will be uninterrupted, error-free or suitable for every jurisdiction or purpose; that all information, profiles, credentials, opportunities, matches or third-party content will be accurate, complete, current or legitimate; or that any funding request will be approved or funded. No statement in these Terms excludes a guarantee, warranty, condition, right or remedy that cannot lawfully be excluded.
You use the Platform and deal with other users at your own risk, subject always to rights and remedies that cannot lawfully be excluded.
21. Limitation of Liability
To the maximum extent permitted by law, iFund and its directors, officers, employees, contractors and affiliates are not liable for indirect, incidental, special, exemplary or consequential loss, loss of profit, revenue, opportunity, anticipated savings, goodwill or data, or loss arising from user decisions or communications, User Content, funding opportunities, independent user conduct, service interruptions, technical failures, third-party services or unauthorised access, except to the extent liability cannot lawfully be excluded or limited.
Nothing in these Terms excludes, restricts or modifies liability, consumer guarantees, statutory rights or remedies that cannot lawfully be excluded, restricted or modified. Any limitation in these Terms applies only to the extent it is fair, reasonable and permitted under applicable law.
Where liability for services supplied to a business user can lawfully be limited, iFund’s liability for failure to comply with an applicable statutory guarantee may, at iFund’s option and to the extent permitted by law, be limited to resupplying the services or paying the reasonable cost of having the services supplied again. For other claims that can lawfully be capped, iFund’s aggregate liability arising out of or in connection with the Platform during any 12-month period will not exceed the greater of the fees paid by the claimant to iFund for the relevant paid service during that period and AUD $100, except where such a cap would be prohibited or unfair under applicable law. The amount, value or potential value of any property, project, loan, investment, funding request, proposed transaction, lost financing opportunity or transaction between users does not increase iFund’s liability or form the measure of damages against iFund merely because the Platform facilitated a match, introduction or communication relating to that matter.
22. Indemnity
To the extent permitted by law, you indemnify iFund and its directors, officers, employees, contractors and affiliates against third-party claims, losses, liabilities, damages and reasonable external costs to the extent arising from your material breach of these Terms, unlawful or fraudulent misuse of the Platform, your User Content, your infringement of intellectual property, privacy, confidentiality or other rights, your unauthorised disclosure of third-party information, or your violation of applicable law in connection with your use of the Platform or dealings with another user. iFund will take reasonable steps to mitigate recoverable loss and will not recover more than once for the same loss.
This indemnity does not apply to the extent a claim or loss was caused by iFund’s negligence, wilful misconduct or breach of an obligation that cannot lawfully be excluded.
23. Changes to These Terms
We may update these Terms to reflect changes to the Platform, law, regulation, security, technology or our business. If a change materially and adversely affects an existing paid subscription, we will provide reasonable advance notice where practicable. Changes will not retrospectively remove accrued rights or obligations except where required by law.
Your continued use after revised Terms take effect constitutes acceptance to the extent permitted by law. Where applicable law requires express consent to a change, we will seek that consent.
24. Confidentiality and Commercial Information
Users may receive non-public commercial, financial, property, transaction or business information from other users through the Platform. Unless the information is public, independently developed, lawfully obtained without confidentiality restriction, or disclosure is required by law, users must use reasonable care to protect information that is clearly confidential or that a reasonable business person would understand to be confidential and must use it only for evaluating or progressing the relevant relationship or transaction.
iFund does not undertake to police or enforce confidentiality arrangements between independent users. Users should enter into separate confidentiality or non-disclosure agreements where appropriate. Nothing in these Terms makes iFund a fiduciary, trustee, adviser or custodian of confidential information.
25. APIs, Embedded Services and Enterprise Features
iFund may make application programming interfaces, embedded tools, widgets, integrations, enterprise features or referral functionality available under additional terms, usage limits, technical requirements or commercial arrangements. Use of those features may involve information being provided to iFund by a third-party platform or provided by iFund to an authorised integration at the user’s direction or as otherwise permitted by applicable law.
Where additional or enterprise terms apply and conflict with these Terms, the additional terms prevail to the extent of the conflict for the relevant feature or service.
26. Electronic Communications and Notices
You consent to receive agreements, notices, disclosures, invoices, receipts and other communications electronically through the Platform, by email or through other contact details associated with your account, except where applicable law requires another form. You are responsible for keeping your contact details current. Electronic communications satisfy any requirement that a communication be in writing to the extent permitted by law.
27. Events Beyond Reasonable Control
To the extent permitted by law, iFund is not responsible for delay or failure to perform an obligation caused by events beyond its reasonable control, including telecommunications or internet failures, cloud or infrastructure outages, cyber incidents not caused by iFund’s failure to take legally required care, natural disasters, war, civil disturbance, government action, sanctions, labour disruption or failure of critical third-party services. This section does not excuse payment obligations already due or obligations that cannot lawfully be excluded.
28. Dispute Notification and Good-Faith Resolution
Before commencing court proceedings against iFund concerning the Platform, a user should, where legally permissible, give iFund written notice describing the dispute and the relief sought and allow iFund a reasonable opportunity to investigate and attempt to resolve the matter in good faith. This requirement does not prevent urgent interlocutory or injunctive relief, does not shorten any statutory limitation period, and does not limit any right that applicable law does not permit to be restricted.
29. Governing Law and International Mandatory Rights
These Terms are governed by the laws of Queensland, Australia, without regard to conflict-of-law principles.
Subject to any mandatory rights or protections available to you under applicable law in your jurisdiction, the parties submit to the non-exclusive jurisdiction of the courts of Queensland, Australia and courts entitled to hear appeals from them.
Nothing in this section is intended to deprive a user of a mandatory statutory protection that cannot lawfully be excluded by agreement.
30. Severability and Waiver
If any provision is invalid or unenforceable, it will be read down to the extent necessary or, if that is not possible, severed without affecting the remaining provisions.
A failure or delay by iFund to enforce a right is not a waiver of that right.
31. Entire Agreement and Assignment
These Terms, the Privacy Policy, applicable subscription terms and any additional terms expressly applying to a feature constitute the agreement between you and iFund regarding the Platform.
Except where expressly stated otherwise, no person other than a party to these Terms has any right to enforce them. Descriptions, marketing statements, examples, case studies, estimated matches, indicative outcomes or other general Platform materials do not create a warranty, guarantee or contractual commitment unless expressly incorporated into written terms applying to the relevant service.
You may not assign or transfer your rights under these Terms without our prior written consent, which will not be unreasonably withheld where applicable law requires reasonableness. iFund may assign or novate these Terms to an affiliate or as part of a bona fide corporate restructure, financing, merger, acquisition, sale of business or transfer of the Platform, provided the assignment does not remove mandatory rights available to you under applicable law.
32. Contact Us
Questions about these Terms may be sent to:
iFund Real Estate
Operating entity: IFUND TECHNOLOGIES PTY LTD
ACN: 699 020 883
Email: support@ifund.realestate
Website: https://www.ifund.realestate
Registered Business Address: Queensland, Australia
Last Updated: 12 September 2026
