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Terms of Service

Last updated: January 2025

1. Agreement to Terms

By accessing and using BondBricks Australia ("BondBricks", "we", "our", "us"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this platform.

2. Eligibility

To use BondBricks, you must:

  • Be at least 18 years of age
  • Be an Australian resident or citizen
  • Have the legal capacity to enter into binding contracts
  • Complete our Know Your Customer (KYC) verification process
  • Not be prohibited from investing under any applicable laws

3. Account Registration

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Investment Risks

You acknowledge and accept that:

  • All investments carry risk, including the risk of losing your entire investment
  • Past performance does not guarantee future results
  • Property values can decrease as well as increase
  • Rental income is not guaranteed
  • Real estate bonds may not be suitable for all investors
  • You should seek independent financial advice before investing

5. Fees and Charges

BondBricks charges a 1.75% transaction fee on all buy and sell transactions. Additional fees may apply for specific services. All fees will be clearly disclosed before you complete any transaction.

6. Liquidity & Bond Redemption

BondBricks provides liquidity through an instant redemption program. You can sell your bonds at any time at the current market price, subject to availability. When you sell, BondBricks or its licensed partners may act as the counterparty by purchasing your bonds and returning them to general availability for new investors. While we strive to maintain liquidity, market price may fluctuate based on property valuations, and in rare circumstances, liquidity may be temporarily suspended for regulatory or operational reasons.

7. Dividend Payments

Monthly dividend payments are based on rental income received from properties. Dividend amounts may vary and are not guaranteed. Dividend payments are processed by our licensed trustee partner (Perpetual Trustees) and distributed within 5 business days of the end of each month. BondBricks facilitates the connection between investors and the trustee but does not directly handle fund distribution.

8. Marketplace Platform Structure

BondBricks operates as a marketplace platform that connects investors with licensed financial institutions who handle all regulated activities:

  • Bond Issuance & Management: Managed by licensed AFSL holders including Macquarie Capital and NAB
  • Fund Custody: Perpetual Trustees holds all investor funds in trust and does not release funds to BondBricks
  • Payment Distribution: Perpetual Trustees handles all dividend and withdrawal payments directly to investors
  • Regulatory Compliance: Licensed partners hold all required ASIC registrations and Australian Financial Services Licenses

BondBricks provides the technology platform, user interface, and marketplace services but does not directly hold investor funds, issue bonds, or conduct regulated financial services. All financial services are provided by our licensed partners who comply with all requirements of the Corporations Act 2001 and ASIC regulations.

9. Privacy and Data Protection

Your use of BondBricks is also governed by our Privacy Policy. We collect, use, and protect your personal information in accordance with the Privacy Act 1988.

10. Prohibited Activities

You agree not to:

  • Use the platform for any illegal purpose
  • Attempt to manipulate prices or engage in market manipulation
  • Share your account credentials with others
  • Use automated systems to access the platform without permission
  • Engage in money laundering or terrorist financing

11. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms or for any other reason at our sole discretion. You may close your account at any time by selling all holdings and withdrawing your funds.

12. Limitation of Liability

To the maximum extent permitted by law, BondBricks shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform or investment losses.

13. Dispute Resolution

Any disputes arising from these terms shall be governed by the laws of New South Wales, Australia. You agree to attempt to resolve disputes through good faith negotiation before pursuing legal action.

14. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of material changes by email or through the platform. Your continued use after changes constitutes acceptance of the updated terms.

15. Contact Information

For questions about these Terms of Service, please contact us at:

Email: legal@bondbricks.com
Phone: 1300 BONDS (1300 26637)