Terms of Service

Last updated: July 2026

1. Acceptance of Terms

By accessing or using the Kobble website (www.kobble.net) and any associated services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

These terms apply to all visitors, users, and others who access or use the website. Separate terms and agreements apply to the use of the Kobble platform, APIs, and financial services products, which are provided under individual client agreements.

2. About Kobble

Yondr Money Pty Ltd (ABN 11 625 732 569), trading as Kobble, is an Australian company that operates a Banking-as-a-Service platform. Yondr Money Pty Ltd holds Australian Financial Services Licence No. 545391 and is registered with AUSTRAC. In these Terms, references to "Kobble," "we," "us," or "our" refer to Yondr Money Pty Ltd (trading as Kobble).

3. Use of the Website

You agree to use the website only for lawful purposes and in a manner that does not:

  • Infringe the rights of, or restrict or inhibit the use and enjoyment of the website by, any third party
  • Breach any applicable local, national, or international law or regulation
  • Attempt to gain unauthorised access to any part of the website, other accounts, or computer systems or networks
  • Introduce viruses, trojans, worms, or other material that is malicious or technologically harmful
  • Collect or harvest any information from the website for any unauthorised purpose

4. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, and software, is the property of Kobble or its content suppliers and is protected by Australian and international intellectual property laws. The Kobble name, logo, and all related product and service names, design marks, and slogans are trademarks of Kobble.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

5. Information Accuracy

While we endeavour to ensure the information on our website is accurate and up to date, we make no warranties or representations about the accuracy, completeness, or suitability of the information. The content on this website is provided for general information purposes and does not constitute financial, legal, or professional advice.

Nothing on this website should be construed as an offer or solicitation to provide financial services. All financial services provided by Kobble are subject to separate agreements and regulatory requirements.

6. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Kobble. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

7. Limitation of Liability

To the maximum extent permitted by Australian law, Kobble shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of or inability to use the website.

8. Indemnification

You agree to indemnify, defend, and hold harmless Kobble, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of the website or violation of these terms.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

11. Contact

If you have questions about these Terms of Service, please contact us.

12. Build & Win Competition

From time to time, we run promotions on the Kobble platform. The following terms apply to the Competition and should be read together with the rest of these Terms of Service. Where there is any inconsistency, these Competition terms apply to the Competition only.

The promoter is Yondr Money Pty Ltd (ABN 11 625 732 569), trading as Kobble.

The Competition opens at 8:00pm AEST on Tuesday 28 July 2026 and closes at 8:00pm AEST on Thursday 27 August 2026. Entries received outside this period will not be considered.

Entry is open to individuals aged 18 years and over who are residents of Australia. Employees of Yondr Money Pty Ltd and its related entities, and the immediate families of those employees, are not eligible to enter.

To enter, complete a build using Kobble AI at ai.kobble.net during the Competition period, using a legitimate email. One entry is permitted per email address. Where more than one build is submitted from the same email address, only the first will be considered. We may disqualify entries that appear to use multiple or automatically generated email addresses to obtain additional entries.

All valid entries will be judged by a panel of Kobble representatives against the following criteria: complexity, level of detail, visual presentation.

The winner will receive a Shouta gift card to the value of AUD $250 (including GST). Shouta is operated by Yondr Money Pty Ltd (ABN 11 625 732 569, AFSL 545391). There is one prize in total and it is not transferable, exchangeable, or redeemable for cash.

To claim the prize, the winner must hold a Shouta account. If the winner does not already have one, they will need to register at shouta.co using the email address used to enter. The gift card value will be applied to that account and is then subject to the Shouta terms and conditions, including any expiry or redemption conditions, available at https://www.shouta.co/terms-eml. We are not responsible for the availability of any particular product or service through Shouta.

The winner will be notified by email at the address used to enter, by Tuesday 1 September 2026. If we are unable to contact the winner, or the prize is not claimed, within 14 days of the first notification, the entry will be void and we may select another winner from the remaining valid entries.

By entering, you agree that we may use your name and a general description of the non-confidential elements of your build in marketing and promotional material without further payment or notice. We will not publish any confidential business information contained in an entry. Entrants retain ownership of their builds.

Personal information collected in connection with the Competition will be handled in accordance with our Privacy Policy.

We may vary, suspend, or cancel the Competition at any time where it is necessary to do so, subject to any applicable law. To the maximum extent permitted by law, we accept no liability for any loss arising from participation in the Competition or use of the prize. Nothing in these terms limits any rights you have under the Australian Consumer Law.