Welcome to Thryvve. These terms and conditions apply to your use of the Thryvve website and chat assistant application (chat.thryvve.com.au) on desktop and mobile, owned and operated by Thryvve Group Pty Ltd, ABN 22 689 026 408. By accessing or using our Services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Services. Definitions: "You," "Your," or "User" refers to you, the person or entity using our Services. "We," "Us," "Our," or "Thryvve" refers to Thryvve Group Pty Ltd. "Services" refers to our website, chat assistant application, and related services. Last Updated: 1 September 2025

1. USING OUR SERVICES

By accessing or using our Services, you agree to these Terms. You must follow any policies available within the Services. Do not misuse our Services. For example, do not attempt to access our Services through unauthorised means or interfere with their proper functioning. You may only use the Services as permitted by applicable laws, including Australian export and re-export control laws. If you breach these Terms or are under investigation for misconduct, we may suspend or terminate your access to our Services. Ownership: Using our Services does not give you ownership of any intellectual property rights to the content or the Services themselves. You may not use content from our Services unless explicitly allowed by the owner or applicable law. These Terms do not grant you the right to use any branding, logos, or legal notices displayed in our Services. We may send you notifications such as service updates, administrative messages, or other relevant information. You can opt out of some of these communications, but others may be necessary for service operation. Some of our Services are accessible via mobile devices. Please ensure you use such Services safely and in compliance with traffic laws.

2. SERVICES AND LIMITATIONS

Technology: Thryvve uses artificial intelligence and machine learning technologies to provide mortgage policy assistance and information. Our system accesses a comprehensive knowledge base of lending policy documents and related materials to help answer your questions. Accuracy and Limitations: While we strive to provide accurate and helpful information, our Services have inherent limitations: - Responses are generated based on information in our knowledge base and may not always be accurate, complete, or up-to-date - The system may misinterpret questions or provide responses that don't fully address your specific situation - Information provided should not be considered as professional financial or legal advice - Responses may occasionally contain inconsistencies User Responsibility: You acknowledge that: - You should verify important information through official sources or professional advisors - Our assistant is a tool to support your work, not replace professional judgment - You remain responsible for all decisions made based on information provided by our Services - Critical lending decisions should always be verified with relevant lenders or regulatory authorities No Professional Advice: Our Services provide information and assistance but do not constitute professional financial, legal, or regulatory advice. Always consult qualified professionals for specific advice.

3. SUBSCRIPTIONS AND FREE TRIAL

Subscription Model: Thryvve operates on a subscription-only basis. Access to our Services requires an active paid subscription after your free trial period. Free Trial: New users are eligible for a 30-day free trial with full access to our Services. No credit card is required to start your free trial. The trial period begins when you first access our Services and automatically ends after 30 days. Subscription Billing: After your free trial ends, you must actively subscribe to continue using our Services. Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your selected plan). You will only be charged if you choose to subscribe after your trial period. Payment Processing: All subscription payments are processed securely through our third-party payment processor, Stripe. By subscribing, you agree to Stripe's terms of service and privacy policy. We do not store your payment information on our servers. Subscription Management: You can manage your subscription, including cancellation, through your account settings or by contacting our support team.

4. PRIVACY AND DATA PROTECTION

Thryvve Group Pty Ltd is committed to safeguarding your privacy. Our Privacy Policy outlines how we treat your personal data and protect your privacy when you use our Services. By using the Services, you agree to the collection and use of information as detailed in our Privacy Policy. Only authorized employees can access your data, and we review our systems regularly to ensure they meet security standards. Unauthorised access to our systems may result in legal action.

5. SOFTWARE AND PLATFORM ACCESS

Our Services are provided as a web-based platform accessible through modern browsers. No software download is required. You are granted a non-exclusive, non-assignable, royalty-free license to use our Services during your subscription period. Restrictions: You may not copy, modify, distribute, sell, reverse engineer, or attempt to extract the source code of our Services unless explicitly permitted by law or authorized by us in writing. Updates: We may update our Services at any time to improve functionality, security, or compliance. Continued use of our Services constitutes acceptance of such updates.

6. COOKIES AND TRACKING TECHNOLOGY

Our Website uses cookies to enhance your experience and gather information for platform optimization. Cookies are small data files stored on your device to help our Services function more efficiently. By using our Services, you agree to the use of cookies as outlined in our Privacy Policy. You can adjust your browser settings to block cookies, but some features of our Services may not work as intended.

7. DISCLAIMER AND WARRANTIES

The Services are provided by Thryvve on an "as is" basis without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, Thryvve disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement. Exclusions and Limitations: - Thryvve, its affiliates, and third-party providers are not responsible for any indirect, special, consequential, or punitive damages, including lost profits or data - In no event shall Thryvve's liability exceed the amount you paid for the Services in the 12 months preceding the claim - This limitation does not apply to liability for death or personal injury caused by negligence or any other liability that cannot be excluded or limited by law Service Availability: We strive to maintain high availability but do not guarantee uninterrupted access to our Services. Maintenance, updates, or technical issues may temporarily affect availability.

8. LIMITATION OF LIABILITY

In no event will Thryvve Group Pty Ltd, its officers, directors, employees, affiliates, or agents be liable for any indirect, incidental, consequential, or exemplary damages arising from your use of the Services, including but not limited to loss of profits, revenue, data, or any other intangible losses. Business Use: If you use our Services on behalf of a business, that business accepts these Terms and agrees to indemnify and hold harmless Thryvve Group Pty Ltd, its affiliates, officers, and employees from any claims arising out of the use of the Services or violation of these Terms.

9. LINKS TO THIRD-PARTY SERVICES

Our Services may contain links to third-party websites or services not owned or controlled by Thryvve Group Pty Ltd. We are not responsible for the content, privacy policies, or practices of third-party sites. You acknowledge and agree that Thryvve Group Pty Ltd shall not be liable for any damages resulting from your use of or reliance on third-party services. We encourage you to review the terms and privacy policies of any third-party websites you visit.

10. SUBSCRIPTION CANCELLATION

Cancellation Rights: You may cancel your subscription at any time through your account settings or by contacting our support team. Cancellation is handled through our payment processor, Stripe, which manages all subscription billing. Effect of Cancellation: When you cancel: - Your subscription will remain active until the end of your current billing period - You will retain access to all Services until your subscription expires - No refunds will be provided for unused portions of your subscription period - Your account and data will be retained for a reasonable period in case you wish to reactivate Free Trial Cancellation: Your free trial will automatically end after 30 days. You are not required to take any action if you choose not to continue using our Services. You will only be charged if you actively choose to subscribe.

11. SERVICE MODIFICATIONS AND TERMINATION

Thryvve Group Pty Ltd reserves the right to modify, suspend, or terminate Services at any time. We may add or remove features, update pricing, or discontinue Services with reasonable notice where possible. If we discontinue Services that you have paid for, we will offer a pro-rated refund for the unused portion. We may also terminate or suspend your access immediately if you violate these Terms or engage in prohibited conduct.

12. REFUND POLICY

General Policy: Refunds are generally not provided for subscription services once they have commenced, except as specifically outlined in these Terms or required by law. Service Discontinuation: If we permanently discontinue Services, we will provide pro-rated refunds for the unused portion of your subscription. Exceptional Circumstances: Refunds may be considered on a case-by-case basis for exceptional circumstances at our sole discretion.

13. DATA AND LOG FILES

Our web servers log access to the Services, including IP addresses, browser types, access times, and referral URLs for the purpose of systems administration, security monitoring, and troubleshooting. These logs are for internal use only and are not shared with third parties, except as required by law or as outlined in our Privacy Policy.

14. INTELLECTUAL PROPERTY

All content on the Thryvve platform, including text, graphics, logos, algorithms, and proprietary software, is the property of Thryvve Group Pty Ltd or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without written permission. User Content: You retain ownership of any content you submit to our Services. By submitting content, you grant us a limited license to process it for the purpose of providing our Services.

15. FORCE MAJEURE

Neither party will be liable for any failure or delay in performing obligations under these Terms due to events outside the party's reasonable control, including but not limited to acts of God, war, terrorism, strikes, natural disasters, governmental restrictions, or significant technical infrastructure failures.

16. CHANGES TO THESE TERMS

Thryvve Group Pty Ltd reserves the right to modify these Terms at any time. Material changes will be communicated through email notification or prominent notice on our platform. Your continued use of the Services after such modifications constitutes acceptance of the revised Terms. In the event of a conflict between these Terms and additional terms associated with specific Services, the additional terms will control for those specific Services. These Terms do not create any third-party beneficiary rights.

17. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms and Conditions shall be governed by and construed in accordance with the laws of Queensland, Australia, without regard to conflict of law principles. Any disputes arising from or relating to these Terms shall be resolved in the courts of Queensland. Dispute Resolution: Before pursuing legal action, we encourage users to contact our support team to resolve issues amicably.

18. CONTACT INFORMATION

For questions regarding these Terms and Conditions, billing issues, or general support, please contact Thryvve at: Email: support@thryvve.com.au Website: www.thryvve.com.au For urgent technical issues, please use our in-platform support features when available.