Terms of Service

1. Introduction

Thank you for visiting our terms of service (Terms). The most updated copy can always be found on our website.

We are Harrison Duske trading as Drafty (‘we’, ‘our’ or ‘us’). We provide Drafty, an AI email assistant for Australian mortgage brokers, as described on our website (Service).

These Terms govern your access to the Service and our provision of goods and services, whether on a free trial (Free Trial) or on a subscription payment basis (Subscription). Your Subscription is for the pricing package selected by you on our website (Subscription Package).

By starting a Free Trial, paying for a Subscription, creating an account, or otherwise using the Service, you agree to be bound by these Terms. These Terms form a binding agreement between you (or the company you represent) and us.

If you are signing up on behalf of a company, employer, or other legal entity, “you” means that entity and you confirm you are authorised to bind it to these Terms.

We may change these Terms at any time by posting an updated copy on our website. Your continued use of the Service after changes are posted means you accept the updated Terms. We encourage you to check our website regularly.

2. Drafty status

Drafty does not hold an Australian financial services (AFS) licence or an Australian credit licence (ACL). Drafty is not authorised to:

• Conduct a financial services business or provide advice regarding financial products;
• Engage in credit activities including providing, or acting as an intermediary in connection with, credit contracts, consumer leases, mortgages or guarantees; or
• Provide credit services.

Drafty assists brokers with email labelling, draft replies, and automated compliance checks. It does not provide legal, financial, or compliance advice. You remain solely responsible for every email you send to clients and for meeting your regulatory and industry obligations.

3. Eligibility and accounts

To use the Service, you must:

• Be at least 18 years old;
• Be an Australian mortgage broker or authorised representative using the Service for lawful business purposes;
• Have the legal capacity and authority to enter a binding contract with us; and
• Provide accurate, current account information.

You may need to register for an account (Account) and connect your work inbox (Gmail or Microsoft Outlook) via our email integration partner. You must keep your login details secure and notify us promptly of any unauthorised use of your Account.

We may suspend or cancel your Account if you breach these Terms or if we reasonably believe your Account has been compromised or misused.

4. Free trial, fees and payment

We offer a 14-day Free Trial. No payment card is required to start a Free Trial unless stated otherwise on our website.

After the Free Trial ends, continued access requires a paid Subscription unless we agree otherwise in writing.

Subscription fees are as shown on our website at the time you subscribe:

• Monthly: $79 AUD per month; or
• Annual: $69 AUD per month, billed as $799 AUD yearly.

Fees are payable in advance and are non-refundable for change of mind, except where required by Australian Consumer Law.

Subscriptions renew automatically at the end of each billing period (monthly or annual) unless you cancel before the renewal date. You can cancel in Settings or by emailing us. Cancellation stops future charges but does not refund fees already paid for the current period.

We may change Subscription fees on notice. If you do not agree to a fee change, you may cancel before the change takes effect.

Payments are processed by Stripe (or another payment provider we nominate). Payment processing is also subject to the payment provider’s terms and privacy policy.

All fees are in Australian dollars. GST applies where required and will be shown at checkout or on your invoice.

We may suspend the Service if payment fails or your Subscription lapses.

5. The service

Subject to these Terms and payment of applicable fees, we grant you a non-exclusive, non-transferable, revocable licence to use the Service for one user and one connected work inbox per Subscription, unless your Subscription Package states otherwise.

The Service may include:

• Labelling incoming mail in your connected inbox;
• Drafting reply suggestions into your inbox drafts folder;
• Learning your writing style from a sample of sent mail (where enabled);
• Automated compliance checks on drafts; and
• Account, billing, and settings features on our website.

Drafty does not send email on your behalf. You must review, edit, and send every email yourself.

We may update, improve, or change features of the Service at any time. The Service may be unavailable from time to time for maintenance, upgrades, or reasons outside our reasonable control.

6. AI and drafts

The Service uses artificial intelligence to process email content connected to your Account. AI outputs may be inaccurate, incomplete, or unsuitable for your circumstances.

You acknowledge and agree that:

• AI-generated labels and drafts are suggestions only;
• You must review every draft before sending;
• Drafty does not guarantee that drafts are compliant with NCCP, ASIC, MFAA, FBAA, lender, or other requirements; and
• You are solely responsible for the content of emails you send.

7. Your obligations

You agree to:

• Use the Service only for lawful business purposes connected to mortgage broking;
• Connect only inboxes you are authorised to use;
• Comply with applicable laws, including privacy, spam, and financial services laws;
• Ensure you have a lawful basis to use the Service with client-related email; and
• Not misuse the Service, attempt to reverse engineer it, interfere with its security, or use it to send unlawful, misleading, or harmful content.

You must not share your Account credentials with unauthorised persons.

You remain responsible for your clients’ personal information processed through your inbox. Drafty processes that information on your behalf to provide the Service.

8. Third-party services

The Service relies on third-party providers including email integration (Nylas), hosting (Vercel), database and authentication (Supabase), AI processing (Anthropic and OpenAI), and payments (Stripe).

Your use of Gmail, Outlook, or other email platforms is also subject to those providers’ terms. We are not responsible for outages, policy changes, or actions taken by third-party providers outside our reasonable control.

Email content may be processed outside Australia. See our Privacy Policy for more detail.

9. Privacy

We collect and handle personal information as described in our Privacy Policy on our website.

By using the Service, you agree to our Privacy Policy and consent to our handling of personal information in accordance with it.

10. Intellectual property

We own all intellectual property in the Service, website, software, branding, and documentation. These Terms do not transfer ownership to you.

You retain ownership of your email content and data. You grant us a licence to use your data as reasonably necessary to provide and improve the Service, as described in our Privacy Policy.

Drafts and labels generated for your Account are provided for your use in your business. You must not resell, sublicense, or commercially exploit the Service itself.

11. Warranties and liability

To the maximum extent permitted by law, the Service is provided on an “as is” and “as available” basis. We do not warrant that the Service will be uninterrupted, error-free, or that AI outputs will be accurate or compliant.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee or other right you cannot lawfully exclude under the Australian Consumer Law.

Subject to the above, and to the maximum extent permitted by law, we are not liable for any indirect, consequential, or special loss, or for loss of profit, revenue, data, or business opportunity arising from your use of the Service.

Our total liability to you for any claim arising from or in connection with the Service is limited to the Subscription fees paid by you to us in the 12 months before the claim arose (or $100 AUD if you are on a Free Trial and have not paid fees).

You agree to indemnify us against losses arising from your breach of these Terms, misuse of the Service, or emails you send to third parties.

12. Termination and cancellation

You may cancel your Subscription as set out in clause 4.

We may suspend or terminate your access immediately if you breach these Terms, fail to pay fees, or if we reasonably believe continued access would cause harm or legal risk.

On termination, your licence to use the Service ends. You may disconnect your inbox in Settings. Clauses that by their nature should survive termination (including liability, intellectual property, and indemnity) continue to apply.

13. General

These Terms are governed by the laws of Tasmania, Australia. You submit to the non-exclusive jurisdiction of the courts of Tasmania.

If any part of these Terms is invalid or unenforceable, the rest remains in effect.

These Terms, together with our Privacy Policy and any pricing shown on our website, are the entire agreement between you and us about the Service.

14. Contact us

For questions about these Terms, billing, or your Account: