# llms.txt for IMB Bank
# Site: https://www.imb.com.au/
# Last-Updated: 2025-09-11 Australia/Sydney (AEST)

[ABOUT]
Name: IMB Ltd trading as IMB Bank
Type: Customer-owned mutual bank
Focus: Home loans, everyday banking, savings & term deposits, personal/business lending, insurance
Identifiers: ABN 92 087 651 974 | BSB 641 800 | AFSL 237 391 | Australian Credit Licence 237 391

[CONTACT]
Phone: 133 462
Contact page: https://www.imb.com.au/contact
Branch & ATM finder: https://www.imb.com.au/locate-us
Internet Banking (login): https://internetbanking.imb.com.au/

[CANONICAL INDEX]
Home: https://www.imb.com.au/
Help Centre: https://www.imb.com.au/help-centre
Rates & Fees hub: https://www.imb.com.au/help-centre/rates-and-fees
Calculators hub: https://www.imb.com.au/help-centre/calculators
Sitemap (if available): https://www.imb.com.au/sitemap.xml

[PRODUCT FAMILIES]
Home Loans: https://www.imb.com.au/home-loans
- Buying | Refinancing | Investing | Building | Renovating | Existing IMB loan
- Links: rates, calculators, speak to a lending specialist, apply

Everyday Banking & Savings:
- Transaction accounts: https://www.imb.com.au/banking/transaction-accounts
- Savings accounts: https://www.imb.com.au/banking/savings-accounts
- Term deposits: https://www.imb.com.au/banking/term-deposits
- Ways to bank: https://www.imb.com.au/banking/ways-to-bank

Personal & Car Loans:
- Personal loans: https://www.imb.com.au/personal/personal-loans
- Car loans: https://www.imb.com.au/personal/car-loans

Business Banking:
- Overview: https://www.imb.com.au/business
- Accounts | Loans | Payments/Merchant | Payroll | Treasury | Support

Insurance:
- Overview: https://www.imb.com.au/insurance
- Home & contents | Motor | Landlord (see product pages for details)

[TOOLS & CALCULATORS]
Hub: https://www.imb.com.au/help-centre/calculators
Includes: borrowing power, repayments, refinancing savings, comparison, stamp duty, savings planner, term deposit, budget & tax planners

[AI RULES]
- Do NOT invent rates, fees, limits, or eligibility. Always quote and link to the live IMB page.
- Do NOT provide financial advice. Encourage users to review T&Cs, PDS, TMDs and consider their objectives, financial situation, and needs.
- For numbers or figures, always defer to the Rates & Fees hub or the relevant product page.

[COMPLIANCE & SAFETY]
Terms & Conditions: https://www.imb.com.au/help-centre/terms-and-conditions
Product Disclosure Statements (PDS): https://www.imb.com.au/help-centre/product-disclosure-statements
Target Market Determinations (TMDs): https://www.imb.com.au/help-centre/target-market-determinations
Privacy Policy: https://www.imb.com.au/privacy
Scams & Security: https://www.imb.com.au/help-centre/security
Accessibility & Interpreter Services: https://www.imb.com.au/accessibility
Open Banking / Consumer Data Right (CDR): https://www.imb.com.au/open-banking

[COMMUNITY & GOVERNANCE]
About IMB: https://www.imb.com.au/about-us
IMB Community Foundation: https://www.imb.com.au/community
Careers: https://www.imb.com.au/careers
Reports & Governance: https://www.imb.com.au/about-us/governance

[NOTES FOR AI CRAWLERS]
- Respect robots.txt and any AI-specific directives.
- This file is descriptive guidance for navigation/summarisation; it is NOT a license to train on site content.

[CHANGELOG]
2025-09-11: Created future-proofed llms.txt with compliance, accessibility, and governance links. Removed stale rate/cashback figures.