Terms of Use

These terms govern your use of settledleads.com and the Settled Leads broker portal. If you buy leads from us, the Lead Supply Terms also apply and take precedence for anything about leads.

1. Who we are

settledleads.com is operated by Hayden Clive Mitchell trading as Interlink AI, ABN 60 460 171 068, Victoria, Australia. Contact: hayden@interlinkai.io.

2. Accepting these terms

By using this website or the portal you agree to these terms. If you do not agree, do not use the site. We may update these terms and will change the date above when we do. Continued use after a change means you accept the updated terms.

3. What this site is and is not

This site describes a lead generation service for licensed brokers and advisers, across home loans, refinancing, insurance, super and wealth, asset and equipment finance and business finance. We are not a lender, credit provider, insurer, aggregator, licensee or credit assistance provider, we do not hold an Australian Credit Licence or an Australian Financial Services Licence, and we are not an insurance broker or intermediary.

Nothing on this site is credit advice, financial advice, insurance advice, legal advice or tax advice, and nothing on it is an offer of credit, insurance or any financial product. Content is general information only and does not take account of your objectives, financial situation or needs.

4. Acceptable use

You must not:

• Use the site for any unlawful purpose or in breach of these terms
• Submit false, misleading or third party details through our forms
• Scrape, crawl, harvest, mine or bulk-download content or data from the site
• Attempt to gain unauthorised access to the portal, any account, or any underlying system
• Interfere with the site's operation, security or availability, including by injecting code or overloading it
• Copy, reproduce or reuse our content, branding or page structure without written permission
• Use automated systems to submit enquiries

We may block access, suspend accounts and report unlawful activity.

5. Portal accounts

If we issue you portal access:

• You are responsible for keeping your login credentials secure and for all activity under your account
• You must tell us immediately at hayden@interlinkai.io if you suspect unauthorised access
• Accounts are for your business only. Do not share logins with anyone outside your brokerage
• We may suspend or close an account for breach of these terms, non-payment, or where we reasonably suspect misuse

Data shown in the portal, including lead counts and spend, is provided for your convenience. Our invoices and records prevail if there is a discrepancy.

6. Enquiries you submit

When you submit the enquiry form you confirm the details are accurate and that you are authorised to provide them. We use them to contact you about lead supply, as set out in our Privacy Policy. Submitting an enquiry does not create any obligation on either of us until we agree an order in writing.

7. Intellectual property

All content on this site, including text, layout, design, graphics, code and the Settled Leads name and branding, is owned by us or licensed to us. You may view and print pages for your own business use. Any other use, including reproduction, adaptation or republication, requires our written permission.

8. Third party links and services

The site may link to third party websites and uses third party services such as hosting, payment processing and advertising platforms. We do not control third party sites and are not responsible for their content, accuracy or privacy practices. Links are not an endorsement.

9. Availability

We aim to keep the site and portal available but do not guarantee uninterrupted or error free access. We may suspend, withdraw or restrict all or part of the site for maintenance, upgrades or business reasons without notice.

10. Liability

Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy under the Australian Consumer Law that cannot lawfully be excluded. Where our liability under the Australian Consumer Law can be limited, it is limited, at our option, to resupplying the relevant service or paying the cost of having it resupplied.

Subject to that, to the maximum extent permitted by law:

• The site is provided on an "as is" and "as available" basis
• We exclude all implied warranties and representations about the site's accuracy, completeness, fitness for purpose and availability
• We are not liable for any indirect or consequential loss, or for loss of profit, revenue, opportunity, goodwill or data, arising from your use of the site
• Our total liability in connection with the site, other than for lead supply which is governed by the Lead Supply Terms, is capped at AUD $100

11. Payment, refunds and cancellations

Lead purchases are agreed with you in writing before any charge is raised. Card payments and invoicing are processed by Stripe; we do not receive or store your full card details.

Because each lead is delivered exclusively to you and cannot be resupplied to anyone else, leads are not refundable once delivered. Instead, a lead that does not meet our stated criteria may be submitted for replacement through the broker portal, and an approved request is credited as a replacement lead. The full replacement criteria, timeframes and evidence requirements are set out in the Lead Supply Terms.

There is no lock-in contract or subscription. You may stop ordering at any time, and any leads already agreed and delivered remain payable. To pause or cancel, or to raise a billing question, email hayden@interlinkai.io and we will respond within 5 business days.

Nothing in this section limits your rights under the Australian Consumer Law.

12. Privacy and cookies

Our handling of personal information is set out in the Privacy Policy. Our use of cookies and tracking is set out in the Cookie Policy.

13. General

• Governing law. Victoria, Australia, and the non-exclusive jurisdiction of its courts.
• Severance. If any provision is unenforceable it is severed and the rest continues in force.
• Entire agreement. These terms, with the Privacy Policy, Cookie Policy and, where applicable, the Lead Supply Terms, are the entire agreement about your use of the site.