1. General
1.1The Forward Platform connects Sellers with a panel of Lenders using proprietary loan-matching technology. Forward Flow Pty Ltd ACN 698 574 051 (‘Forward’) operates the Forward Platform via the Website.
1.2These terms and conditions (‘Forward Platform General Terms’) and any other Applicable Terms set out how you (the person registered as a user of the Forward Platform) can interact with Forward or its related bodies corporate (also ‘we’, ‘us’, or ‘our’) for the use of the Forward Platform. You agree that the Applicable Terms apply to you from the earliest date you sign up to, or use, the Forward Platform, and that you are subject to the Applicable Terms.
1.3Capitalised terms used in these General Terms and not otherwise defined herein have the meaning given to them in paragraph 17.
2. Forward Platform
2.1By using the Forward Platform, you represent and warrant to us that:
2.1.1you are at least eighteen years old;
2.1.2you have truthfully and accurately completed the registration page (including all contact and billing information);
2.1.3you are not using an anonymous network to access the Forward Platform;
2.1.4you will immediately notify us if your password, login details or user profile has been the subject of a scam, hacked or otherwise compromised;
2.1.5you are not a person on any government list prohibiting transactions with you and are not a resident of any country with which we are prohibited from contracting; and
2.1.6you agree to use the Forward Platform on the basis of the Applicable Terms.
2.2You will receive access to the Forward Platform, subject to your acceptance of the Applicable Terms when you create an account. Upon you creating an account we grant you a non-exclusive, non-transferable worldwide right to access and use the Forward Platform until the relationship between us and you is terminated in accordance with the Applicable Terms.
2.3You acknowledge that we are free to make changes or improvements to the Forward Platform that may change the functionality of the Forward Platform. We owe no liability to you for any change in functionality but we will seek to minimise the impact on you of any change in core functionality.
3. Acknowledgements regarding Forward Platform
3.1By using the Forward Platform, you acknowledge and agree that:
3.1.1the Forward Platform exists for the sole purpose of connecting Sellers with Lenders who may be prepared to finance a Potential Loan and, without limitation, the service offered by the Forward Platform does not include:
(a)negotiating the terms of any Arranged Loan (or any other transaction whatsoever); or
(b)providing financial, real estate, legal, taxation, accounting or other professional advice or credit assistance and Users should obtain their own professional advice with respect to any transaction facilitated through the Forward Platform;
3.1.2when a Potential Loan is submitted to the Forward Platform, the search results created will vary depending on the nature and qualify of the information provided by Users;
3.1.3in respect of a Potential Loan:
(a)not all potential lenders are users of the Forward Platform;
(b)the Forward Platform does not rate or compare every loan or lender in the market and may not compare all features relevant to borrowers;
3.1.4interest rates, fees and terms displayed on or through the Forward Platform are indicative only and can be subject to change without notice;
3.1.5we are not a party to any Arranged Loan and the Applicable Terms do not bind us as to the terms and conditions of any Arranged Loan;
3.1.6indicative interest rates, fees and terms published on the Forward Platform are subject to lender terms and criteria, including loan assessment, formal finance approval and property valuations;
3.1.7Forward makes no representation, guarantee or warranty that any Potential Loan, Arranged Loan or other loan or financial accommodation procured from or offered by a lender will match the indicative interest rate or terms published on the Platform or be suitable for a borrower's needs;
3.1.8Users must conduct their own inquiries, verification and assessment before deciding whether to engage in or refrain from engaging in any transaction, including any transactions in connection with a lender or loan displayed on the Forward Platform; and
3.1.9nothing on the Forward Platform shall be construed as a solicitation to buy or sell any property, apply for or enter into any finance arrangement, or to otherwise engage in or refrain from engaging in any transaction.
3.2Without limiting paragraph 3.1, you acknowledge and agree that:
3.2.1neither Forward nor any of its Related Entities holds:
(a)an Australian Credit Licence issued under the National Consumer Credit Protection Act 2009 (Cth) (‘NCCP Act’); or
(b)an Australian Financial Services Licence issued under the Corporations Act;
3.2.2the Forward Platform must not be used to arrange consumer credit, residential property finance or any other credit to which the National Credit Code set out in Schedule 1 to the NCCP Act applies;
3.2.3the Forward Platform must not be used to facilitate any ‘credit activity’ as that term is defined in the NCCP Act or any other activity which would require Forward to hold an Australian Credit Licence issued under the NCCP Act;
3.2.4the Forward Platform must not be used to arrange or facilitate:
(a)the provision of any ‘financial service’ as that term is defined in the Corporations Act;
(b)any dealing in any ‘financial product’ as that term is defined in the Corporations Act; or
(c)any other activity which would require Forward to hold an Australian Financial Services Licence issued under the Corporations Act.
4. Your responsibilities
4.1You must ensure that access to the Forward Platform is in accordance with all reasonable instructions issued by us. You are responsible for keeping your password and other login credentials confidential. You must notify us if you become aware of any unauthorised access to your account. You are responsible for any activity occurring in any account to which you have access, whether or not you authorised that activity (apart from activity that we undertake otherwise than in accordance with your instructions).
4.2You may only use the Forward Platform in accordance with the Applicable Terms. You may only use the Forward Platform for the facilitation of Approved Loans or such other purpose as we agree. You must comply with any reasonable direction or instruction given by any third party engaged by us which relates to the Forward Platform. You may not share your account and passwords, and each account may only be used by one individual User. You may not provide other individuals account passwords or permissions to gain access to your or another User’s account. You agree not to request or allow another person to create an account on the Forward Platform using your identity.
4.3Unless expressly permitted herein, you shall not, directly or indirectly, and shall not permit any third party to:
4.3.1reverse engineer, decompile, disassemble, or otherwise seek to obtain the source code to the Forward Platform;
4.3.2“scrape” or otherwise use any data mining, robots, or similar data gathering or extraction methods on the Forward Platform or any Data;
4.3.3remove or obscure any product identification, proprietary, copyright or other notices contained in the Forward Platform or any Data;
4.3.4programmatically access the Forward Platform or any Data;
4.3.5use the Forward Platform or any Data to create or for the purposes of creating, a competitive service, offering, product, or database (whether for internal purposes or external purposes);
4.3.6use the Forward Platform or any Data in automatic, semi-automatic or manual tools designed to create virus signatures, virus detection routines, or any other data or code for detecting malicious code or data;
4.3.7violate or attempt to violate the security of the Forward Platform;
4.3.8violate or attempt to violate applicable law through use of the Forward Platform or any Data; or
4.3.9use the Forward Platform or any Data with any other platform, software, software solution, or other manual or automatic tools (including, but not limited to, any third party artificial intelligence or machine learning tool or large language model or API.
4.4You agree that when the Forward Platform is accessed through a third party application, website or platform (‘Platform’), we have no liability to you for the operation of that Platform, any disaster recovery capabilities or the security maintenance of that Platform. To the extent that you access the Forward Platform through a third party application, website or platform we have no liability for any aspect of the interactions between you and those third parties and we have no obligation to assist you in any way in any dispute with any other person.
5. Access to calls
By arranging a telephone call, videoconference or other meeting through the Forward Platform, you:
5.1authorise a bot, artificial intelligence program or other software or person of Forward’s choice:
5.1.1being present in the call, videoconference or meeting;
5.1.2to the extent permitted by law, recording the call, videoconference or meeting; and/or
5.1.3taking notes of the call, videoconference or meeting; and
5.2agree to do all things necessary to facilitate Forward’s access to the call, videoconference or meeting as contemplated by paragraph 5.1.
6. Intellectual Property
6.1Each of you and us retains our own right, title, and interest in our own intellectual property and the Applicable Terms don’t affect any intellectual property ownership. Except for the express limited rights granted under the Applicable Terms, neither party acquires any present and future rights to intellectual property (‘Intellectual Property’), by license or otherwise, under the Applicable Terms. You acknowledge and agree that we own all the right, title and interest in the Intellectual Property owned, used, applied for or created by or in connection with the Forward Platform, including but not limited to patents, trademarks, service marks, trade secrets, copyrights or other intellectual property rights (‘our IP’). Other than your right to access and use the Forward Platform, we have not granted you any other Intellectual Property right pursuant to the Applicable Terms.
6.2In the course of using the Forward Platform, you may submit Data. Subject to paragraph 6.3, you retain ownership of all of your Intellectual Property rights in your Data.
6.3You grant us a perpetual, irrevocable, royalty free, non-exclusive, worldwide, sub-licensable and transferable licence to use, host, copy, transmit, modify, display and distribute your Data for any purpose in any way connected with the Forward Platform or Forward’s arrangements with its Users. Where permitted under applicable law, this license continues even after you stop using the Forward Platform. The license granted by you also extends to the activities of any third parties we work with to the extent necessary for them or us to provide or improve the Forward Platform.
6.4By submitting Data to the Forward Platform, you represent and warrant to Forward and each other User in respect of such Data that:
6.4.1the Data (including the creation, submission, storage or transmission thereof) complies with the Applicable Terms and any and all applicable laws.
6.4.2the Data will not infringe any third party’s proprietary rights or rights of publicity or privacy;
6.4.3to the extent that Data belongs to a third party (including a Borrower or potential Borrower) you have been duly authorised by that third party to:
(a)submit that Data to the Forward Platform; and
(b)grant Forward a licence to use that Data in accordance with paragraph 6.3;
6.4.4you will promptly handle and resolve any notices and claims relating to the Data, including any notices sent to you by any person claiming that any content violates any third party’s Intellectual Property rights;
6.4.5the Data will be free of any virus, worm, lock, or other mechanism or device that may be used to modify, delete, damage or disable the Forward Platform or prevent its use in the manner contemplated by the Applicable Terms or which would otherwise render inaccessible or impair the use of any of the Forward Platform in any way;
6.4.6the Data is not subject to any terms or conditions that might be breached by the Data being used in connection with the Forward Platform; and
6.4.7the Data could not reasonably be deemed to be harmful, threatening, unlawful, defamatory, libelous, slanderous, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, obscene, invasive of privacy or publicity rights, hateful, or racially, ethnically, or otherwise objectionable.
6.5If you provide us with feedback about the Forward Platform then you grant us a perpetual, irrevocable, royalty free, non-exclusive, worldwide, sub-licensable and transferable licence to use, reproduce, publicly display, distribute, modify and publicly perform the feedback (including by incorporating the feedback into our products and services) without obligation to you (including any obligation to provide you with compensation).
6.6You grant us a perpetual, irrevocable, royalty free, non-exclusive, worldwide, sub-licensable and transferable licence to use, reproduce, publish and communicate your name and logo (‘Marketing IP’) for the purpose of promoting the Forward Platform, including in:
6.6.1Forward’s website, social media accounts and other digital channels;
6.6.2information memoranda, pitch decks, due diligence questionnaires, data rooms and other materials provided to prospective or existing investors in Forward or its Related Entities; and
6.6.3media releases, event materials and other marketing collateral.
6.7Forward will use the Marketing IP in a manner that is accurate, is not misleading, and could not reasonably be expected to bring you into disrepute.
6.8Without limiting paragraph 6.1, Forward owns all right, title and interest in any photograph, video, written material or other content created by or for Forward which incorporates the Marketing IP ('Platform Materials'), and you assigns to Forward all rights in the Platform Materials on their creation.
6.9You warrant that you are entitled to grant the licences in paragraphs 6.3, 6.5 and 6.6.
6.10We will access, store, handle and disclose your personal information in accordance with our Privacy Policy.
7. Upgrades
7.1We may introduce upgrades to the Forward Platform or make changes to the tools and features of any part of the Forward Platform such as products, features, other services and software or the nature and form of any access rights. Any new upgrades or changes will form part of our IP.
7.2We may make such upgrades or changes available to you (subject to the payment of applicable fees). We will notify you of these fees at the time and if you don’t want to accept an upgrade with additional fees, you may terminate your access to the Forward Platform without charge by notifying us within 30 business days of receiving notice from us of the relevant upgrade or change.
8. Service and access
8.1Different types of Users can access different functionality within the Forward Platform. We may change the functional inclusions of each User type or fees relating to any User type in our discretion from time to time and will notify you at least 30 days before any changes are made.
8.2We reserve the right to change the method of access at any time. You also agree that, in the event of degradation, instability or an emergency affecting the Forward Platform, we may, in our sole discretion, temporarily suspend your access to the Forward Platform in order to limit threats to, and protect the operational stability and security of, the Forward Platform. We do not guarantee or warrant that the Forward Platform will be available 24 hours a day, seven days a week or that it will otherwise be free from errors, bugs or faults.
8.3You acknowledge and agree that:
8.3.1the Forward Platform may contain content or information that was generated using artificial intelligence (‘AI’) technology; and
8.3.2such AI technology may occasionally generate incorrect, incomplete, misleading, irrelevant, or nonsensical information and, accordingly, such information should be treated with the appropriate caution.
9. Payment
9.1Except as specified in the Applicable Terms or as prohibited by law, payment obligations cannot be cancelled and fees are not refundable.
9.2Unless otherwise stated, any consideration, fees, amount payable, prices, payment terms or any other amounts specified under the Applicable Terms as the consideration payable for any taxable supply are inclusive of all applicable taxes, including but not limited to indirect taxes such as goods and services tax (as defined by A New Tax System (Goods and Services Tax) Act 1999 (Cth)), sales tax, fees, duties, levies, or similar taxes (‘Tax’) payable in respect of that taxable supply. If the Tax status or services of Forward are altered in any way (or the rate of tax changes), we reserve the right to review and adjust the amounts of any relevant fees.
10. Confidentiality
10.1Subject to paragraph 10.2, by accessing the Forward Platform, Users agree to:
10.1.1keep confidential all Data accessed by that User through the Forward Platform;
10.1.2only use Data accessed through the Forward Platform for the purpose for which it was disclosed, including the facilitation of Arranged Loans and the exercise of that User’s rights under the Applicable Terms (‘Approved Purpose’); and
10.1.3copy or reproduce Data accessed through the Forward Platform or any part of it only to the extent reasonably necessary for the Approved Purpose.
10.2A User’s obligations under paragraph 10.1 do not apply to Data which:
10.2.1is in the public domain (except as a result of a breach of the Applicable Terms by the relevant User);
10.2.2was known to the User at the time of access to the Data except as a result of a prior confidential disclosure to User;
10.2.3is disclosed to the User by any third party who is not known by the User to be acting in breach of a confidentiality obligation; or
10.2.4was or is at any time developed by the User independently of any Data.
10.3Despite paragraph 10.1, a User may disclose Data to the extent required by applicable law, the rules of any applicable stock exchange or the requirements of any government agency.
11. Warranties
11.1Each party warrants and represents to the other that it has full power and authority to enter into the Forward Platform General Terms and any other Applicable Terms, which are, on you signing up to the Forward Platform, a binding and enforceable obligation of the party, and it will comply with all laws and regulations applicable to its provision or use of the Forward Platform.
11.2Except as expressly stated in the Applicable Terms, the Forward Platform is made available on an ‘as is’ basis and, to the fullest extent permitted by law you agree that we make no representation, warranty or undertaking about the Forward Platform.
11.3To the fullest extent permitted by law, we disclaim any implied or statutory warranty, including any warranty as to title, non-infringement, merchantability or fitness for a particular purpose.
12. Indemnity
12.1You must indemnify us and keep indemnified us and our officers, employees and agents (‘Indemnified Persons’) against any losses, liabilities, costs, charges or expenses and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other reasonable professional costs and expenses suffered or incurred by any Indemnified Person arising out of or in connection with your:
12.1.1breach of any of the Applicable Terms;
12.1.2improper use of the Forward Platform (including any use which constitutes a breach of paragraph 3.2);
12.1.3negligence, omission or wilful misconduct; or
12.1.4failure to comply with any statutory obligation or any directive or instruction issued by any government agency to the extent to which they impact an Indemnified Person.
12.2Your liability to indemnify an Indemnified Person under the Forward Platform General Terms will be reduced proportionately to the extent that any breach of the Applicable Terms by us, or any act or omission involving fault or negligence on the part of us, contributed to the loss, liability or expense.
13. Limitation of liability
13.1Subject to paragraph 13.2, you acknowledge that your use of the Forward Platform is at your own risk with regard to any and all content, documents, materials, Data, information or communications submitted, published, disseminated or transmitted to or through, saved in, displayed on or otherwise contained in or communicated through the Forward Platform. Without limiting the foregoing, you acknowledge and agree that:
13.1.1Forward shall not be responsible for Data that is submitted to the Forward Platform by a User; and
13.1.2Forward does not and could not effectively, control, verify, or endorse Data that is submitted to the Forward Platform by a User.
13.2Nothing in the Applicable Terms applies to unlawfully limit the liability of a party for their own fraud or wilful misconduct or in connection with death or personal injury or in respect of your obligation to pay any fees or other charges arising under the Applicable Terms. Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. To the extent permitted by applicable law, we are not liable, and you agree not to hold us responsible, for any damages or losses resulting directly or indirectly from:
13.2.1your inability to use the Forward Platform as a result of any valid termination or suspension of the Applicable Terms;
13.2.2your use of, or inability to use, platforms, websites, software, systems (including any networks and servers used by you to access the Forward Platform) operated by us;
13.2.3delays, disruptions, glitches, bugs, errors, inaccuracies, viruses or other malicious software involved in accessing the Forward Platform;
13.2.4the content, actions, or inactions of third parties; or any unauthorised access to, damage or alteration to, deletion or destruction of, or failure to store or backup, your information due to your negligent acts or omissions.
13.3Except in respect of a claim by you against us arising from a claim by a third party against you that your use of the Forward Platform has infringed the Intellectual Property rights of the third party, our maximum aggregate liability for each and all claims (individually and together) under or relating to the Applicable Terms or the use of the Forward Platform is limited to an amount equal to the greater of:
13.3.1the aggregate fees paid by you to us under the Applicable Terms during the 12 months preceding a claim; and
13.3.2$1,000.
13.4Notwithstanding any other provision of the Applicable Terms, in no event will either party to the Applicable Terms be liable under or in connection with the Applicable Terms for any indirect, consequential, special, incidental, punitive or exemplary damages; or loss of or damage to data, business, revenues or profits (in each case whether direct or indirect), even if the party knew or should have known such damages were possible and even if a remedy fails of its essential purpose.
14. Termination
14.1Either party may terminate the Applicable Terms and your access to the Forward Platform at any time.
14.2If we suspect fraudulent activity, we may in our absolute discretion refuse to allow any person to register or create an account with us or we may terminate, cancel or suspend any existing account or access to the Forward Platform at any time.
14.3The occurrence of any termination does not affect any accrued rights or remedies of a party, any obligation of a party which accrued prior to the occurrence of that event and which remains unsatisfied or these termination terms and any other provision of the Applicable Terms which is expressed or intended to come into effect on, or survive, the occurrence of that event, including limitation of liability, and general clauses.
14.4On termination of your access to the Forward Platform Terms, you may delete your account or we may delete your account and take any other appropriate action to cease the relationship with you.
15. General
15.1You must, at your own expense, promptly do all things reasonably necessary to give full effect to the Applicable Terms, and maintain all consents, approvals, and authorities necessary for to perform your obligations under the Applicable Terms. You may not assign any of your rights or obligations under the Applicable Terms to anyone else. We may assign or charge the Applicable Terms and any of our rights and obligations hereunder to any other individual or entity in our absolute discretion.
15.2The Applicable Terms contain the entire agreement and understanding between you and us with respect to your access to the Forward Platform and supersede all prior agreements and understandings between you and us in relation to it.
15.3We may amend the Applicable Terms at our discretion from time to time. The current version will always be available on the Website. If an amendment is material, we will notify you in advance by email to provide you the opportunity to review the changes. Notice of amendments may also be made available to you upon your login to your account. Amendments will become effective on the day they are publicly available on the Website, except as otherwise specified by us. Once our new terms are effective, if you continue to use the Forward Platform, you indicate your agreement to be bound by the updated terms. If you do not agree to any changes made to the terms, you should stop using the Forward Platform.
15.4Even if any arrangement between us and you is terminated, paragraphs 6.1, 6.2, 6.3, 6.5 to 6.9, 10.1, 10.2, 11.2, 12.1, 13, 15.1, 15.2, 15.7 and 15.8 will continue to apply.
15.5Unless stated otherwise or required by law, a reference to money means Australian currency and payments must be made without set off or deduction. All payments must be made in immediately available funds being payment by debit or credit card. The payee may, at its option, apply money received from a payer against any money then due by the payer to the payee.
15.6Without limiting any other provision of these Forward Platform General Terms, we won’t be liable for any delays or failure to provide the Forward Platform as a result of anything beyond our control. This includes, without limitation, acts of god, changes to law, embargoes, war, terrorist acts, riots, fires, earthquakes, nuclear accidents, floods, strikes, blackouts or severe weather events or the acts of any hackers or third party internet service providers.
15.7Any failure by us to immediately take action as a result of any breach by you of the Applicable Terms doesn’t amount to a waiver or preclude us from taking any future action as a result of your breach. The fact that we wrote the Applicable Terms will not affect the way the Applicable Terms are to be interpreted.
15.8You must do all things reasonably requested by us to meet your obligations under the Applicable Terms. Any notice to you will be effective on the day we send it to you to the last email or physical address you provide us. Any notice to us will be effective if sent to our physical office.
15.9Any provision of the Applicable terms that would otherwise be invalid must be read down to any extent necessary to be valid. If that is not possible, the provision must be severed. All other provisions of the Applicable Terms are unaffected.
15.10The laws in New South Wales govern the Applicable Terms. You submit to the jurisdiction of the Courts of New South Wales and the Federal Court of Australia (Sydney Registry).
16. Email Policy
16.1Forward does not send unsolicited bulk email. We do not allow anyone to advertise the Website or the Forward Platform using unsolicited messages.
16.2We only send email to Users about their account and their use of the Forward Platform, to people a User has invited to the Forward Platform, and to lenders an Arranger has chosen to send a Potential Loan to.
16.3No partner, contractor or affiliate may send unsolicited email on our behalf or to promote the Website or the Forward Platform. Any sales outreach is sent from separate domains and does not link to or mention the Website.
16.4Every email from the Forward Platform includes an unsubscribe link. We stop emailing addresses that bounce or report our email as spam.
16.5If you receive unsolicited email mentioning Forward, please forward it with full headers to inquiry@useforward.co.
17. Definitions
The following terms have the meaning set out below where they are capitalised in these Forward Platform General Terms and any other Applicable Terms (as defined below):
17.1Applicable Terms means these Forward Platform General Terms and any other terms which a User agrees will govern its access to the Forward Platform, including:
17.1.1for a Seller, the Seller Terms;
17.1.2for a Lender, the Buyer Terms.
17.2Arranged Loan means a loan which is arranged through the Forward Platform and in respect of which Financial Closer has been achieved.
17.3Arranger means a User who is an authorised representative of a person or persons who may be a borrower in respect of an Arranged Loan and who has been granted access to the Forward Platform for the purposes of making proposals in respect of Potential Loans on behalf of the relevant borrower(s).
17.4Borrower means a User who has been granted access to the Forward Platform for the purposes of making proposals in respect of Potential Loans and entering into Arranged Loans as a borrower (however described).
17.5Buyer Terms means the document titled ‘Forward Platform – Buyer Terms’ accepted by a Lender as amended from time to time.
17.6Corporations Act means the Corporations Act 2001 (Cth).
17.7Data means any and all content, documents, materials, data, information or communications submitted or transmitted to or through, saved in, displayed on or otherwise contained in or communicated through the Forward Platform.
17.8Financial Close means the first advance of any funds by a lender in connection with a Potential Loan.
17.9Forward has the meaning set out in paragraph 1.1.
17.10Forward Platform means the technology platform made available by Forward through the Website pursuant to which Arrangers and Borrowers are connected with Lenders for the purpose of facilitating Arranged Loans.
17.11Forward Platform General Terms means the terms and conditions contained in this document as amended from time to time.
17.12Lender means a User who has been granted access to the Forward Platform for the purposes of receiving proposals in respect of Potential Loans and entering into Arranged Loans as a lender (however described).
17.13Potential Loan means a loan proposal submitted to the Forward Platform by a Seller which has not yet become an Arranged Loan.
17.14Referral Terms means the document titled ‘Forward Platform – Referral Terms’ accepted by a User as amended from time to time.
17.15Related Entity has the meaning given to that term in the Corporations Act except that:
17.15.1such definition will be interpreted as if each reference to a ‘body corporate’ in the definition included a reference to the relevant User; and
17.15.2for the purposes of the Referral Terms, a User will not be treated as a Related Entity of another User.
17.16Seller means a User registered as an Arranger or Borrower.
17.17Seller Terms means the document titled ‘Forward Platform – Seller Terms’ accepted by a Seller as amended from time to time.
17.18Total Commitment means, in respect of an Arranged Loan, the maximum amount of financial accommodation (before any deductions, set-offs or withholdings, including on account of fees) which may be made available in connection with the Arranged Loan, regardless of whether or not that amount is eventually drawn.
17.19User means a user of the Forward Platform, being an Arranger, a Borrower or a Lender or another category of user approved by Forward from time to time.
17.20Website means the website www.useforward.co and any other website which is established by Forward and notified to Users from time to time.