01. Our Role

We may act as an intermediary between you and financial providers. Products are supplied by third parties under their own agreements and eligibility requirements.

02. Financial Products

Loan, insurance, and other financial products are subject to provider approval. We do not guarantee that any application will be accepted or approved.

03. Eligibility

Eligibility depends on information provided, applicable criteria, affordability assessments, credit checks, underwriting, and the individual requirements of the relevant provider.

04. Accuracy of Information

You must provide complete, accurate, and current information. False, incomplete, or misleading information may affect eligibility, applications, agreements, or policy coverage.

05. Supporting Documents

You may be required to provide identification, income evidence, bank statements, employment details, property information, or other documents requested during the application process.

06. Affordability

Financial applications may involve affordability and repayment assessments. You are responsible for considering whether proposed repayments remain suitable for your circumstances.

07. Credit Checks

Where permitted, relevant providers may conduct credit searches or obtain information from credit reference agencies before deciding whether to offer financial products.

08. Provider Decisions

Final decisions regarding lending, insurance, pricing, limits, interest rates, premiums, and acceptance remain with the relevant financial provider.

09. Fees

Any applicable service fees will be explained before they become payable. Provider charges, interest, premiums, taxes, and other costs may apply separately.

10. Interest and Premiums

Interest rates, insurance premiums, repayment schedules, coverage limits, exclusions, and other product terms are determined by the relevant provider.

11. Application Submission

Submitting an application does not create an agreement or guarantee approval. Applications remain subject to verification, assessment, and acceptance by the relevant provider.

12. Product Information

Information provided about financial products is intended to help you understand available options. You should review the provider's final documentation before accepting any product.

13. Insurance Coverage

Insurance coverage is subject to the policy wording, exclusions, conditions, limits, declarations, and underwriting requirements established by the relevant insurer.

14. Loan Agreements

Loans are governed by the agreement issued by the relevant lender. You should review repayment obligations, interest, fees, and applicable conditions before accepting.

15. Cancellations

Cancellation rights vary by product and provider. Where a cooling-off period applies, the applicable timeframe and cancellation process will be explained in the relevant documentation.

16. Changes to Applications

Changes to your financial circumstances, employment, income, property, or other application details should be reported promptly when they may affect assessment.

17. Communication

We may contact you regarding applications, documentation, outstanding information, payments, renewals, product updates, or other matters connected with requested services.

18. Electronic Communications

You agree that documents, notices, updates, and other communications may be provided electronically where permitted by applicable law.

19. Third-Party Providers

Financial products may involve lenders, insurers, payment providers, credit agencies, verification services, and other third parties operating under their own terms and policies.

20. Third-Party Terms

When you accept a financial product, you become bound by the applicable provider's agreement, policy wording, repayment conditions, fees, exclusions, and other contractual requirements.

21. Compliance

Services may be subject to identity verification, anti-money laundering checks, fraud prevention procedures, regulatory requirements, and other legally required processes.

22. Service Limitations

We do not control provider decisions, market conditions, product availability, interest rates, underwriting outcomes, processing times, or changes introduced by third-party providers.

23. Your Responsibilities

You are responsible for reviewing documents, understanding financial commitments, providing requested information, meeting payment obligations, and complying with applicable product conditions.

24. Missed Payments

Failure to make required payments may result in interest, charges, collection activity, adverse credit reporting, cancellation, or other consequences under the relevant agreement.

25. Complaints

Concerns about our services or a financial product should be raised through the applicable complaints process. Provider-related complaints may need to be directed to the relevant provider.

26. Liability

We are not responsible for losses resulting from provider decisions, inaccurate information supplied by you, market changes, or circumstances outside our reasonable control.

27. Service Availability

We aim to maintain reliable services but cannot guarantee uninterrupted website access, application processing, communications, or availability of particular financial products.

28. Changes to Terms

These terms may be updated when services, regulations, technology, or business practices change. Updated terms will apply from the date they are made available.

29. Governing Requirements

These terms and related services are subject to applicable laws, regulations, financial requirements, and consumer protection rules relevant to the services provided.

30. Acceptance

By using our services, submitting information, or requesting assistance with financial products, you acknowledge that you have read and accepted these terms.