Terms and Conditions
In these Terms & Conditions, the terms “we”, “us”, and “our” refer to Australian Finance & Loans Pty Ltd (ACN 696 193 692).
By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions.
If you do not agree with these Terms & Conditions, you must cease using this website immediately.
1. Intellectual Property and Content Ownership
All content on this website, including but not limited to text, graphics, logos, images, branding, documents, and software, is the property of Australian Finance & Loans Pty Ltd or its respective licensors and is protected by Australian intellectual property laws.
This website may also contain information or materials supplied by third parties. We do not guarantee the accuracy, reliability, or completeness of any third-party content and accept no responsibility for such material.
You must not reproduce, distribute, modify, or use any content from this website without prior written consent from the relevant rights holder.
2. Website Use
These Terms & Conditions govern your use of this website and any information or services provided through it.
The information contained on this website is provided for general informational purposes only and does not constitute an offer, solicitation, or recommendation to enter into any financial product or service.
By using this website, you acknowledge and agree that:
Your use of the website is entirely at your own risk.
We may amend these Terms & Conditions at any time without prior notice.
Any amendments will become effective immediately upon publication on this website.
Your continued use of the website after any updates constitutes acceptance of the revised Terms & Conditions.
3. Product and Service Information
While we aim to ensure that information on this website is accurate and up to date, details relating to financial products or services may change without notice.
This includes, but is not limited to:
Interest rates
Fees and charges
Product features
Eligibility requirements
Lending criteria
Information on this website should always be considered alongside official documentation provided by lenders or financial institutions.
To the extent permitted by law, Australian Finance & Loans Pty Ltd does not warrant the accuracy, completeness, or reliability of any information contained on this website.
We are not responsible for the content of third-party websites linked from this site, and accessing those websites is done at your own risk.
4. General Advice Warning
Any information, commentary, or material provided on this website constitutes general information only and does not take into account your personal financial circumstances, objectives, or needs.
Before making any financial decision, you should consider whether the information is appropriate for your individual situation and seek independent advice from a qualified professional such as a financial adviser, accountant, or registered tax agent.
Where relevant, you should carefully read all applicable Product Disclosure Statements (PDS), loan agreements, or lender terms and conditions before entering into any financial product.
Finance approvals are subject to each lender’s credit assessment, lending criteria, and responsible lending obligations.
Any figures generated by online calculators or tools on this website are estimates only and may not reflect your actual loan repayments or eligibility.
5. Cookies
This website uses cookies and similar technologies to improve functionality and enhance your browsing experience.
Cookies are small data files stored on your device when you visit a website. They allow websites to recognise returning users and optimise performance.
By continuing to use this website, you consent to the use of cookies.
You may disable cookies through your browser settings; however, doing so may limit certain features or functionality of the website.
6. Privacy
We are committed to protecting your privacy and handling personal information in accordance with the Privacy Act 1988 (Cth).
Any personal information collected through this website will be managed in accordance with our Privacy Policy, which outlines how we collect, use, store, and disclose personal information.
While we take reasonable steps to safeguard your data, transmission of information over the internet cannot be guaranteed as completely secure.
7. Limitation of Liability
To the maximum extent permitted by law, Australian Finance & Loans Pty Ltd is not liable for any loss or damage arising from:
Your use of, or reliance on, information contained on this website
Errors, omissions, or inaccuracies in website content
Technical issues, interruptions, or delays in website access
Links to third-party websites or services
This includes direct, indirect, incidental, special, or consequential damages, including loss of profits, business interruption, or data loss.
Where liability cannot be excluded under Australian law, it will be limited to the maximum extent permitted by applicable legislation, including the Competition and Consumer Act 2010 (Cth).
8. Governing Law
These Terms & Conditions are governed by the laws of Victoria, Australia.
By using this website, you agree to submit to the exclusive jurisdiction of the courts of Victoria in relation to any dispute arising from your use of this website or these Terms & Conditions.