Terms & Conditions
Website Terms and Conditions of Use
In these Terms and Conditions of Use, the expressions we, us and our includes Australian Finance Group Ltd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087 and any related entity.
Terms and Conditions of Use
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time (together the Terms and Conditions of Use). If you do not accept our Terms and Conditions of Use you are not authorised to use our websites.
These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our websites. Where we make a material change, we will take reasonable steps to notify you — for example, by posting a notice on the relevant website or updating the effective date prominently — and provide a reasonable period for review before the change takes effect. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.
Calculators
Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action.
General advice warning. Where information on this website may amount to general financial advice, it has been prepared without taking into account your objectives, financial situation or needs. Before acting on any such information,
you should consider its appropriateness having regard to your own circumstances and seek personal advice from a qualified professional.
Internet security risks
There may be security risks in sending information via the Internet. You should assess these potential risks when deciding whether to use our online services.
Links to other websites
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites.
We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.
Use by persons outside of Australia
Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.
The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia.
Third party software
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products
may be subject to a licence agreement between you and them.
To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.
No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.
We recommend that you seek independent advice before acting upon any of the information on our websites.
We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.
You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
Limitation of liability
Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy that you may have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other applicable law to the extent it cannot lawfully be excluded, restricted or modified.
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to
legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise.
Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:
- the resupply of the goods or services;
- the repair of the goods or services
- the payment of the cost of having the goods or services supplied again or repaired.
Copyright and trademarks
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission. You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trademarks in any way without our prior written consent.
Privacy and personal information
Our handling of personal information (including credit information and credit eligibility information) is governed by our Privacy Policy. The Privacy Policy explains how we collect, hold, use and disclose personal information in accordance with the Privacy Act 1988 (Cth) (including the Australian Privacy Principles), the Privacy (Credit Reporting) Code and any related legislation.
We will notify you and the Office of the Australian Information Commissioner of an eligible data breach affecting your personal information in accordance with the Notifiable Data Breaches scheme.
By using our websites, you consent to the collection, use and disclosure of your personal information as described in our Privacy Policy.
Cookies and tracking technologies
Our website use cookies, pixels, tags and similar technologies to help operate the website, remember your preferences, measure use, optimise content and serve advertising.
Some tracking technologies are operated by third-party service providers (for example, analytics or advertising platforms). Information collected may be used by us and those providers in accordance with our Privacy Policy and the providers' own privacy notices.
You can manage cookies through your browser settings. Disabling some cookies may affect the functionality of our websites.
Acceptable use You must not, and must not attempt to:
- use our websites for any unlawful, fraudulent, deceptive or misleading purpose;
- interfere with, disrupt or impose an unreasonable load on our websites or any servers or networks connected to them;
- introduce any virus, worm, trojan, ransomware, malicious code or other harmful program;
- probe, scan or test the vulnerability of, or breach any authentication or security controls of, our websites without our prior written authorisation;
- reverse engineer, decompile or disassemble any part of our websites (except to the extent permitted by law);
- submit content that is defamatory, obscene, infringing, harassing, threatening or otherwise unlawful; or
- impersonate any person or misrepresent your affiliation with any person or entity.
We may, at any time and without notice, suspend, restrict or terminate your access to our websites if we reasonably suspect a breach of these Terms and Conditions of Use.
Use of artificial intelligence
We may use artificial intelligence, machine learning and other automated tools (AI Tools) on or in connection with our websites. AI Tools may be used to:
- generate, summarise, translate, classify or moderate website content;
- power chatbots, virtual assistants, search and recommendation features;
- help us triage enquiries, detect fraud, monitor security and improve user experience; and
- support internal business operations (including credit, compliance and analytics) in accordance with our Privacy Policy.
Our team will review all AI-generated outputs prior to publishing on our websites.
Outputs are general only. Outputs generated by AI Tools may not always be accurate, current or appropriate for your circumstances and do not constitute financial, credit, taxation, legal or other professional advice. Before relying on any information generated or surfaced by an AI Tool, you should independently verify the information and obtain professional advice as appropriate.
No use of our content for AI training or scraping. You must not, without our prior written consent: (a) use any automated system, robot, scraper, crawler, large language model or other AI or machine-learning tool to access, copy, harvest, ingest, index, extract or otherwise process content from our websites; (b) use our websites or any content on them to train, fine-tune, ground, augment or otherwise develop or evaluate any AI or machine-learning model, dataset or generative tool; or (c) submit AI-generated content to us, or use AI Tools to interact with our websites, in a way that misrepresents its origin or that you know would mislead us or any other person.
Reservation of rights. We expressly reserve all rights — including text and data mining rights and our rights under the Copyright Act 1968 (Cth) — in relation to our websites and all content on them. Nothing on our websites grants you any licence to use our content for the purposes set out above.
Liability. To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, any AI-generated output accessed through our websites.
Governing law and jurisdiction
These Terms and Conditions of Use are governed by the laws of the Commonwealth of Australia and the state or territory in which our principal place of business is located.
You and we submit to the non-exclusive jurisdiction of the courts of Australia in respect of any dispute or claim arising out of or in connection with these Terms and Conditions of Use.
General
Severability. If any provision of these Terms and Conditions of Use is or becomes invalid, illegal or unenforceable, it will be read down to the minimum extent necessary, or if it cannot be read down, severed, without affecting the validity or enforceability of the remaining provisions.
No waiver. A failure or delay by us in exercising any right or remedy is not a waiver of that right or remedy.
Entire agreement. These Terms and Conditions of Use, together with our Privacy Policy and any other notices or disclaimers on our websites, contain the entire agreement between you and us relating to your use of our websites and supersede any prior representations or understandings.
Linking to our websites
You must not link to any of our websites without our prior written permission.
