Guarantor Agreement

Detects populated guarantee and indemnity instruments (personal/corporate/continuing guarantees, deeds of guarantee, guarantor agreements) that name the guarantor or borrower, state a guaranteed amount or limit, or carry an ABN/ACN. Phrase-only mentions stay discovery-only.

Type

keyword_proximity

Confidence

medium

Confidence justification

Enforce tiers require populated party, amount or company-number fields beside the guarantee phrase; product guarantees, marketing and consumer guidance stay at 65. Medium because credit-application correspondence can carry the same fields.

Jurisdictions

global

Regulations

National Consumer Credit Protection Act 2009 (Cth), Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), Information Privacy Act 2009 (Qld), NDB Scheme (Cth), Privacy Act 1988 (Cth)

Frameworks

ISO 27001, ISO 27701, PCI-DSS, SOC 2

Data categories

legal, financial, pii

Scope

narrow

Risk rating

8

Corroborative evidence keywords

indemnity, joint and several, guarantor liability, secured obligations, payment on demand, continuing security, independent legal advice, guaranteed money, release of guarantor, principal debtor

Proximity: 300 characters

Should match

• DEED OF GUARANTEE AND INDEMNITY Guarantor: Morgan Teston Borrower: Teston Holdings Pty Ltd ACN 612 004 471 Lender: Harbourside Credit Union Ltd Guarantee limit: $250,000.00 The guarantor is liable as principal debtor; liability is joint and several and independent legal advice was obtained. — Populated deed - parties, ACN, limit and obligation terms (85)
• Personal guarantee Guarantor: Jordan Whitlock Signed at Brisbane on 12/08/2026. — Guarantee with a single populated guarantor field (75)
• CONTINUING GUARANTEE - Facility 88-4410 Date of this deed: 03/10/2026 Guarantor: Northgate Plant Hire Pty Ltd ABN 83 914 571 672 Facility limit: $1,200,000 The guarantor guarantees payment on demand of the guaranteed money and this is a continuing security until released in writing by the lender. — Corporate continuing guarantee with execution date, ABN, facility limit and obligation terms (85)

Should not match

• Fact sheet: before you sign a personal guarantee, understand that the guarantor may have to repay the loan amount and interest if the borrower defaults. Get independent legal advice. — Consumer fact sheet naming terms without values
• DEED OF GUARANTEE Guarantor: __________ Borrower: __________ Guarantee limit: $__________ — Blank deed - placeholder values
• Directors of the collapsed builder had signed a personal guarantee over $12 million of debt, the liquidator told the court on Monday. — News item without populated fields
• Money-back guarantee on all products — Product guarantee
• We guarantee quality service — Marketing guarantee
• Corporate guarantee marketing brochure — Marketing brochure

Known false positives

• Product guarantees, warranties and marketing promises. Mitigation: The primary requires guarantee-instrument phrasing and marketing framing is excluded.
• Consumer guidance about the risks of acting as guarantor. Mitigation: No populated party, amount or company number, so it stays at 65.

References

• National Consumer Credit Protection Act 2009 (Cth) - National Credit Code guarantees