The Bank of Mum & Dad, done properly
More than a handshake.
Put your family loan in writing for $299. Guided questions, online signing, and 12 months of document vault and repayment ledger — all in one place.
PACT is not a lender and never holds or moves money. General information only — no legal, tax or financial advice.
plain questions to a finished agreement, ready to sign
of clause text from the approved library, none generated
every document hashed and sealed at signing
of vault and repayment ledger with every agreement
The intake
An interview, not a form.
PACT asks what a careful lawyer would ask — plain English, one question at a time, both generations at the table. Your answers select from the versioned clause library. The assistant explains, but it never writes a word of your agreement.
- —Plain-language explanations of every concept it raises
- —Flags circumstances that deserve a lawyer's review
- —Confirms a structured summary before anything is drafted
How it works
Three steps to settled, in writing.
Answer plain questions
A guided conversation walks both generations through the loan — amount, repayments, what happens if circumstances change. No jargon, one question at a time.
Your agreement is assembled
Your answers select from a clause library reviewed and approved by an independent panel law practice — never generated text.
Sign it, keep the proof
Everyone signs in a simple online ceremony. PACT keeps the executed agreement, the evidence bundle, and the ledger that shows the loan behaving like a loan.
Judge it by the document
Read the agreement before you tell us anything.
No sign-up, no email. Open a complete sample — masthead to signature lines — and see exactly what your family would be signing.
Lawyer review
When it needs a lawyer, it gets one.
Some matters shouldn't be drafted automatically — money from a company or trust, a bank gift letter, security over a property. When PACT spots one, it refers the matter to a lawyer at our independent panel law practice, who reviews it before anyone signs. Their name goes at the foot of the page, not ours, because the review is theirs.
Australian data residency
All records stored in Sydney-region infrastructure
Sealed evidence
Every document hashed with SHA-256 at signing
Private vault
Encrypted storage, access limited to the parties
Consistent by design
Deterministic clauses — the same answers produce the same agreement, every time
Pricing
One document. Priced like it matters.
Drafted
The agreement- —Guided intake
- —Agreement assembled from a versioned clause library
- —Digital signing ceremony
- —Certificate of execution
- —12 months of document vault & ledger
Certified
Coming soonRegister your interest.
- —Everything in Drafted
- —Review by a panel-firm lawyer
- —Certification line on every page
Ledger
- —Ongoing repayment ledger
- —Dual-party confirmation of payments
- —Annual statements
- —Variations & document vault, indefinitely
Repayments always move directly between family members' own bank accounts. PACT never holds or transfers money.
Questions
Asked, answered.
Does PACT lend money or handle the transfer?+
No — never. PACT documents the loan your family has already decided to make. The money moves directly between your own bank accounts, and repayments do too. PACT records them; it doesn't touch them.
Why isn't a bank transfer and a text message enough?+
Because years later, the question is rarely "did the money move?" — it's "was it a loan or a gift?". A transfer with no agreement can be treated as a gift when a relationship ends, an estate is divided, or a pension is assessed. A signed agreement plus a repayment record is the evidence that answers the question.
Who writes the agreement?+
An approved library. Every clause in a PACT agreement comes from a versioned library reviewed and approved by an independent panel law practice. Your answers select which clauses apply — the AI assistant explains and asks questions, but it never drafts a word of the document.
What if my situation is more complicated?+
Most family loans are straightforward, and PACT drafts them end to end. If your answers raise something that genuinely needs a lawyer's eyes — money from a company or trust, a bank gift letter, securing the loan against property — PACT flags it and refers the matter to our independent panel law practice for review before anything is signed, rather than drafting it automatically. There's nothing extra to pay to be referred.
What happens after everyone signs?+
PACT stores the executed agreement and a certificate of execution in your vault, then opens the repayment ledger. Either party records a repayment, the other confirms it, and the balance keeps itself. Twelve months is included; after that the ledger continues from $5 a month.
Can we change the terms later?+
Yes. Payment holidays, amount changes, early repayment — variations are guided flows that produce a signed variation document from the same clause library, and the schedule updates with the history preserved.
Make it official.
Ten minutes of plain questions. A document your family can rely on for decades.
Get started