Terms of Use

Effective Date: April 2025

1. Introduction

Welcome to Bheja.ai. These Terms of Use govern your access and use of our platform. By using Bheja.ai, you agree to these terms. If you do not agree, please do not use our services.

2. Services Provided

Bheja.ai, AI-driven home loan product matching  by analysing financial data and lender offers. We do not provide financial advice, guarantee loan approvals, or offer lending services.

3. Regulatory Compliance

Bheja.ai operates as a technology platform and is not a licensed financial service provider under the Australian Securities and Investments Commission (ASIC). Any home loan applications and approvals are subject to the policies of third-party lenders and the National Consumer Credit Protection Act 2009 (NCCP Act).

4. User Responsibilities

By using Bheja.ai, you agree to:

  • Provide accurate and truthful information.
  • Use the platform only for its intended purpose.
  • Not misuse, copy, or modify our services.
  • Ensure that any financial decisions are suitable for your circumstances before proceeding.

5. AI-Driven Recommendations & Liability

  • AI-generated product  matching are based on data inputs, lender criteria, and algorithmic analysis.
  • Bheja.ai does not guarantee loan approvals, specific interest rates, or lender acceptance.
  • Users should treat AI-driven suggestions as informational tools rather than final financial decisions.

6. Lender & Broker Relationships

  • Bheja.ai does not endorse any specific lender and is not responsible for their lending policies.
  • Any agreements between the user and a lender/broker are solely between those parties.
  • Bheja.ai is not liable for any fees, charges, or contractual obligations incurred through external lenders.

7. Responsible Borrowing Policy

  • Borrowers should carefully assess their financial capacity before taking out a loan.
  • Bheja.ai encourages responsible lending in line with ASIC's Responsible Lending Guidelines.
  • Users are responsible for reviewing all terms and conditions provided by lenders before proceeding.

8. Data Protection & Privacy

Bheja.ai complies with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

  • We do not store sensitive financial details such as credit scores or tax file numbers.
  • We implement bank-grade encryption and secure data storage practices to protect user information.
  • Users can request access to their data and opt out of marketing communications.

9. Dispute Resolution & Consumer Rights

For any concerns regarding our services, contact us at [email protected]. We aim to resolve disputes through good-faith negotiations. Unresolved disputes may be escalated to the Australian Financial Complaints Authority (AFCA) for independent resolution.

10. Limitation of Liability

Bheja.ai is not responsible for any financial decisions made based on our product matching. We are not liable for any indirect, incidental, or consequential damages resulting from the use of our platform.

11. Termination of Use

We reserve the right to suspend or terminate access to our platform if any user violates these terms of Use or engages in prohibited activities.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of Australia. Any disputes arising from the use of Bheja.ai will be subject to the jurisdiction of Australian courts.

13. Changes to Terms

We may update these Terms of Use at any time to reflect changes in our services or legal requirements. Significant updates will be communicated to users via email or through our platform.

14. Contact Us

If you have any questions or concerns about these Terms of Use, please contact us at: [email protected]

By using Bheja.ai, you acknowledge that you have read, understood, and agree to these Terms of Use.