About this website

This website is operated by Citiwide Mortgage Services Pty Ltd (ABN 24 006 998 732) (“Citiwide”) under the domain name “theloanfinder.com.au” (“The Loan Finder Website”).

Citiwide Mortgage Services Pty Ltd is the holder of Australian Credit Licence No: 383454.

Your use of the information, graphics and materials on The Loan Finder Website (“Material on this website”) is governed by these Terms of Use and the Privacy and Security Statement.

In addition to the terms contained in this document, there are also specific terms which form part of the Terms of Use and govern your use of, and access to, certain sections of The Loan Finder Website. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on The Loan Finder Website.

Links to other websites

The Loan Finder Website may contain links to other websites operated by third parties (“Third Party Websites”). The Loan Finder does not endorse, or approve of the operators of Third Party Websites, or the information, graphics and material on those Third Party Websites (“Third Party Material”).

Subject to any applicable law which cannot be excluded, The Loan Finder makes no warranties or representations:

• regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Websites; or

• that Third Party Material does not infringe the intellectual property rights of any person. The Loan Finder is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on The Loan Finder Website, material at a Third Party Website may be displayed in your browser framed by Material on this web site. This material is also Third Party Material for the purpose of these Terms of Use.
All offers to sell and statements relating to goods and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator. In so far as such offers and statements are made on The Loan Finder Website, such offers and statements are made by The Loan Finder on behalf of the operator. The Loan Finder expressly disclaims acting in any other respect on behalf of Third Party Website operators.

The Loan Finder may receive payments for providing your personal information to participating financial services organisations and/or service providers. For further information regarding how we collect and use your personal information, please refer to our Privacy Policy statement.

Third party software

Unless otherwise indicated software downloads available via links from The Loan Finder website are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, The Loan Finder accepts no liability in respect of such third party products and provides no warranty and gives no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.

The loan finder product information and supply

Material on this web site may contain general information about lenders’ products and services. Unless expressly stated otherwise, this information:

• does not constitute an offer or inducement to enter into a legally binding contract; and

• does not form part of the terms and conditions for The Loan Finder products and services.
All applications for credit are subject to the various lenders’ normal credit approval criteria.

Unless expressly agreed otherwise, products and services discussed in The Loan Finder website will be provided only to Australian residents. These products and services are generally not available to non-Australian residents because they may not comply with non-Australian laws.

Description of services and information supplied

The Loan Finder is not a financial advisor and/or a mortgage broker. We do not provide any financial advice or mortgage broking services. The website and the services contained herein are designed to provide a link between you and a qualified and/or licensed financial advisor or a mortgage broker. By submitting the required information in the relevant field, a financial advisor or mortgage broker from a range of participating financial services organisations (a “participating financial services organisation”) is connected with you and will contact you to help you with your financial needs.

Similarly, where you have selected to receive a service from one of our service providers, your information will be passed on to the relevant service provider to enable delivery of the service you have selected to receive.

The participating financial services organisation and/or service provider is not employed by us. We do not sponsor, endorse, recommend or approve any financial services organisation and/or service provider, who offer services through The Loan Finder Website.

Whilst we make reasonable efforts to ensure that participating financial services organisation and/or service providers are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating financial services organisation and/or service provider who offers services through this website is licensed, qualified, or able to perform the relevant services. We therefore strongly recommend that you take all necessary measures and precautions before you engage the participating financial services organisation and/or service provider to act on your behalf and/or seek to rely on any information provided by the participating financial services organisation and/or service provider.

We cannot and do not guarantee that we have a participating financial services organisation and/or service provider allocated to your specific geographic area. Consequently, you agree and acknowledge that we may not be able to provide the service requested by you notwithstanding the submission of all required information on your part.

Warning

The Loan Finder website only compares a limited number of lenders and products and may therefore not be representative of all the loan products and options available in Australia.

The recommendation and or ranking of loan products is determined by calculating the Average Annual Percentage Rate (AAPR) of a loan. The AAPR formula is a recognised international measure of comparison and takes into account the loan amount, the interest rate, the upfront cost, the ongoing fees and discharge fees applicable to a loan and converts it into a single percentage rate. It does not however take into account different features of a loan such as redraw and offset benefits and their applicable costs if any.

Warranties

While we have made every effort to ensure that information is free from error, The Loan Finder does not warrant the accuracy, adequacy or completeness of Material on this web site. All information is subject to change without notice. The Loan Finder recommends that you seek independent advice before acting upon Material on this web site or Third Party Material. The Loan Finder does not guarantee that The Loan Finder website or Third Party websites will be free from viruses, or that access to The Loan Finder website or Third Party websites will be uninterrupted.

Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, The Loan Finder is not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on The Loan Finder website or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of any employee/contractor of The Loan Finder, 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 The Loan Finder’s option, to:

• the supply of the goods or services again;

• the repair of the goods; or

• the payment of the cost of having the goods or services supplied again or repaired.

Security

When using the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.

You assume all risk and liability of your use of the Internet or any such third party networks, including any access to the website via such media.

Termination

These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on The Loan Finder website) and your access to The Loan Finder Website may be terminated at any time by The Loan Finder without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by The Loan Finder will survive termination, however, you will no longer be authorised to access The Loan Finder website.

Jurisdiction

Unless expressly agreed otherwise, the law applicable to use of The Loan Finder Website and to disputes arising out of the use of the website is the law of the State of Victoria, Australia;

Copyright and trademarks

Copyright in the Material on this website is owned or licensed by The Loan Finder.

Except where necessary for viewing the Material on this web site on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of The Loan Finder.

Acceptance and changes to Terms of Use

You acknowledge and accept that your use of The Loan Finder website indicates your acceptance of these Terms of Use and the Privacy and Security Statement.

These are the current Terms of Use. They replace any other terms of use for The Loan Finder Website published to date. The Loan Finder may at any time vary the Terms of Use by publishing the varied Terms of Use on The Loan Finder Website. You accept that by doing this, The Loan Finder has provided you with sufficient notice of the variation.

The Loan Finder reserves any rights not expressly granted in these Terms of Use.