These Terms of Use apply to every visitor (“Visitors”) and those with a Personal (“Personal Subscribers”) or Professional account (“Professional Subscribers”) on the https://clevermortgage.com.au website, run by https://clevermortgage.com.au . Whenever “Subscribers” is mentioned in these terms, it refers to both Personal and Professional Subscribers. By accessing or subscribing to the website, you accept and commit to these terms. Clever Mortgage may update these rules at any time, and it’s your responsibility to review changes. Violations of these Terms may lead to legal action. Clever Mortgage holds the right to deny anyone access to the website, at any moment, for reasons including but not limited to these Term violations.