Terms and Conditions

Please read these terms of use and conditions carefully. By accessing this website and exploring our credit products, you agree to be bound by the terms and conditions below. We also encourage you to seek financial advice as needed.

Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by us unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. This document may provide insights related to credit products and financial advice, but except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be reproduced, adapted, performed in public, or transmitted in any form by any process (graphic, electronic, or mechanical, including photocopying, recording, taping, or by storage in an information retrieval system) without our specific written consent. Please also refer to our terms of use for further information.

The advice contained on this site regarding credit products does not take into account any individual's specific objectives, needs, or financial situation. Before making a decision about acquiring any credit products, individuals should evaluate whether the financial advice provided is suitable for their personal objectives and financial circumstances. We recommend seeking professional advice before acting on any information from this site. No responsibility is taken for individuals acting on the information on this site; those who do so do so at their own risk. Please refer to our terms of use for more details.

Any calculators available on the site are designed to illustrate various financial scenarios based on the assumptions you provide and the figures you input. These calculations are intended as estimates only and are not meant to serve any practical purpose or replace professional financial advice. The calculators and information provided on our websites are for your convenience and do not constitute credit products or financial advice. The information has been prepared without considering your specific circumstances and should be regarded as generic information, not as a guide to follow a particular course of action. Although we base the information on sources we believe to be reliable and accurate, your actual outcomes will depend on numerous factors beyond our control. You should not rely on these calculators when making decisions about lending or financing. Instead, it is advisable to seek credit advice from an Authorised Credit Representative. For more details, please refer to our terms of use.

Our website may contain links to external websites that may offer various credit products. While such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not align with ours. These links do not constitute an endorsement of the material at those sites or any associated organization, product, or service. Since these external information sources are outside our control, it is the responsibility of users to make their own decisions about the accuracy, currency, reliability, and correctness of the information at those sites. By accessing information at or through this site, each user waives and releases us to the full extent permitted by law from any and all claims relating to the usage of the material made available through the website. In no event shall we be liable for any incident or consequential damages resulting from the use of the material. Each website will have its own privacy policy and security standards, and you should check these as we cannot confirm the terms of use or what standards these third-party websites may adopt. Additionally, while we may provide financial advice, we advise users to independently verify information from linked sites.

Our website may contain links to external websites that may offer various credit products. While such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not align with ours. These links do not constitute an endorsement of the material at those sites or any associated organization, product, or service. Since these external information sources are outside our control, it is the responsibility of users to make their own decisions about the accuracy, currency, reliability, and correctness of the information at those sites. By accessing information at or through this site, each user waives and releases us to the full extent permitted by law from any and all claims relating to the usage of the material made available through the website. In no event shall we be liable for any incident or consequential damages resulting from the use of the material. Each website will have its own privacy policy and security standards, and you should check these as we cannot confirm the terms of use or what standards these third-party websites may adopt. Additionally, while we may provide financial advice, we advise users to independently verify information from linked sites.

The information on this site has been prepared in accordance with Australian law for the supply of goods and services, including credit products. This notice, along with the information found on this site and all related matters, is governed by and should be interpreted according to the laws applicable in the State of Western Australia and the Commonwealth of Australia ('Australian law'). Please note that this information may not satisfy the laws of any other country and is not directed at individuals outside of Australia; it should not be relied upon by anyone in countries other than Australia. The information provided here is current as of the publication date but may be subject to change. For further details, please review our terms of use and consult a qualified professional for financial advice.

We do not warrant or represent that the information regarding credit products on this site is free from errors or omissions, nor that it is suitable for your intended use. We recommend that you seek independent financial advice before acting on any information found in this site. Subject to any terms of use implied by law that cannot be excluded, we accept no responsibility for any loss, damage, cost, or expense (whether direct or indirect) incurred by you as a result of any error, omission, or misrepresentation in any information on this site.