Terms of use

This site is operated by Findnance Pty Ltd (ACN 701 906 318), trading as Findnance. “We”, “us” and “our” mean that entity. “You” means anyone using the site.

Entity

Findnance Pty Ltd

Trading as

Findnance

ACN

701 906 318

Authorisation

Referral arrangement under reg 25 of the NCCP Regulations.

Contact

support@findnance.com.au

We are an online service with no public premises, so email is how you reach us. By using the site you accept these terms. If you do not accept them, please do not use it.

This site exists to do one thing. It works out what you are trying to finance, gives you a calculator so you can estimate repayments on your own figures at a rate you set, and — if you ask us to — puts you in touch with a licensed finance broker who can take it further.

Everything on the site serves that purpose: the conversation, the calculators and the guides are all here to help you decide whether the finance is worth pursuing, and to save you repeating yourself when a specialist calls. The site does not arrange finance, and using it does not put you under any obligation to proceed.

We are an enquiry service. We work out what you are trying to finance, give you a calculator to estimate repayments yourself, and — only with your consent — pass your enquiry to a licensed finance broker who takes it from there. We do not provide credit assistance, we do not arrange or recommend a loan, and we are not the credit provider.

That distinction runs through the rest of this document, so it is worth being blunt about it. We do not assess your application. We do not recommend a product or tell you that one is suitable for you. We do not deal with lenders on your behalf, submit applications, approve or decline anything, or lend you money. We do not run a credit check on you and we do not obtain credit reporting information about you. Those things belong to the licensed broker and to the credit provider — see our credit guide for who is responsible for what.

This is the most important clause on the page. Any figure this site shows you — a repayment, a range, a total cost, a comparison — is an indicative estimate calculated from the information you have given us and from the rate you set yourself. It is not an offer of credit, and in particular it is none of the following:

• an invitation to apply for credit on particular terms;
• a quote you can accept, or one any lender has given you;
• an approval, a pre-approval or a conditional approval;
• a promise that finance is available to you, or available on those terms.

An estimate is only as good as what it is built from. If what you tell us is incomplete, approximate or wrong, the figure will be too. What you are actually offered — if you are offered anything — is decided by a credit provider after a full assessment against its own credit criteria, and approval is never guaranteed. All amounts are in Australian dollars.

Sometimes there is no figure to show. The site holds no lender pricing and computes no offer, so there is nothing here that could produce a figure we would ask you to rely on. What the conversation can give you is a calculator: arithmetic on the numbers you enter, at a rate you set yourself. Nothing in these terms entitles you to be shown a figure at all, and the summary quoted in clause 3 describes the service at its fullest rather than promising you one in every case.

We do not quote you an interest rate. Nothing the conversation shows you is a rate we have offered you. What it hands you is a calculator, working exactly like the ones elsewhere on this site: the rate in it is a starting figure you set and change yourself, not one we have quoted, and the repayment beside it is the arithmetic that follows from your own inputs. If you are ever told a rate, it will be by a broker or a credit provider, in writing, about a product you have actually applied for.

The calculators on this site are arithmetic. They work from values you set yourself — the amount, the term, any balloon and the rate — and they open on starting values we chose so the tool has something to show before you touch it. Moving them is the point. A rate sitting in a calculator is an assumption, whether you set it or it is the figure the control opened on. It is not a rate we have quoted you and not one a lender has offered you.

One of the calculator pages goes further and shows a worked example we built ourselves, at an amount, a term and a rate of our own choosing, so you can see how a balloon moves the numbers. Those inputs are ours rather than yours, and the page says so where it shows them. The example is illustrative arithmetic. It is not a quote, not a rate offer, and not an indication of what you would be charged.

You agree that the information you give us is accurate and complete to the best of your knowledge, and that it is yours to give — if you are enquiring for a business, that you are authorised to act for it, and if you give us someone else's details, that they are happy for you to.

Please do not send us documents, identification or financial records through this site. The conversation asks for what a specialist needs to make a first call useful and nothing more. If a broker later needs supporting documents, they will ask you for them directly, under their own arrangements.

Use the site for genuine finance enquiries and ordinary research. You agree not to:

• submit false, misleading or fabricated details, or enquire in someone else's name without their authority;
• scrape, harvest, bulk-download or systematically copy the site or its content;
• interfere with the site's operation, test its security, or try to reach data, accounts or systems that are not yours;
• use the site to send spam, malware or anything unlawful, or to resell or re-publish what you find here.

We may withdraw access, without notice, from anyone doing those things.

You can use this site anonymously. Nothing you tell us about your enquiry goes to another business until you give us your contact details. Handing those over is itself the trigger. The moment you do, an alert goes to the licensed finance broker who will call you, naming you, your mobile number and email address, what you are financing, how much, and a score we calculate; if an on-call mobile is configured, a shorter version of the same alert goes to it as a text message. That happens before the conversation has finished, so that somebody can ring you while you are still at your desk.

When you then ask us to get it sorted, your enquiry does not simply sit here. It leaves by up to three routes, so that whoever rings you already has it:

• a full record of the enquiry is emailed to the broker — your contact details, what you told us about the finance, your business and your position, any notes taken along the way, the summary we wrote for them, and where your visit came from, including the click identifier if you arrived from an advertisement;
• the enquiry is sent over the internet into a spreadsheet of enquiries we own and the broker works from, which includes your name, email address and mobile number;
• the enquiry is passed to the broker's own system, which carries all of that plus the figures the site worked out for you and the permissions you gave, each recorded against the version of the wording you agreed to and the moment you agreed to it. How that transfer is protected depends on how the receiving business takes leads: into their own system it is signed so they can verify it came from us, and where they take leads by email instead it is a spreadsheet file attached to an ordinary message and carries no such signature. Our privacy policy says which of those is in use.

That last route does not run unless your permission to be contacted is live when it runs. If you have withdrawn it, the transfer is stopped and the enquiry is held here instead.

We also email you a confirmation with a reference for the enquiry. Our own suppliers, such as hosting, email and text-message delivery, our measurement of how the site is used, and any advertising tags we have switched on, are all covered in the privacy policy, which is the full account of what is collected and who receives it.

We are connected to that brokerage, and you should know it before you decide anything. The person who owns this site is employed there as a finance broker and handles the enquiries it produces. His share of the commission the brokerage earns on a settled loan is this business's return — there is no separate referral fee, which means the same money pays for both. So the broker who calls you has an interest in your loan settling, and in your having come through here.

What that does not change: the brokerage holds the credit licence, not us. Once your enquiry reaches them, what they do is governed by their own terms, their own privacy policy and their own credit guide, and their conduct is theirs. They decide what to recommend, and you decide whether to go ahead. You are never obliged to use them, you are free to take the figures here to any other broker or lender, and you can tell them or us to stop at any point.

Findnance is not paid for making that introduction. What the arrangement does produce, and for whom, is set out in our disclosures. It costs you nothing to use this site.

Everything on this site is general information. It does not take account of your objectives, financial situation or needs, and it is not financial product advice, credit assistance, credit advice, legal advice or tax advice. Consider whether what you read here suits your circumstances, and get independent professional advice before acting on it.

How business finance is treated for tax depends entirely on your circumstances and on the structure you use. We do not advise on it — confirm it with your accountant before you rely on it.

Enquiring does not join you to our mailing list. Giving us your contact details gives us permission to contact you about the enquiry you made and nothing more, and the form says so above the button. If we ever run a mailing list you have to ask to be on it; we will not add you as a by-product of your enquiry, and there is nothing you have to untick to avoid it.

If you do join, every marketing message we send identifies us and carries a working unsubscribe link. Using it takes you off the list without a login, a reply or a reason, and it keeps you off — enquiring again will not put you back. You can also email support@findnance.com.au and ask. Unsubscribing from marketing does not stop a specialist getting back to you about an enquiry you have already made — tell us if you want that to stop too.

What we collect, why, who it goes to, how long we keep it and how to access or correct it is set out in our privacy policy, which forms part of these terms. Where the two documents describe the same thing, the privacy policy is the fuller statement and it governs.

The Findnance name and branding, this site's content and the software behind it are owned by or licensed to us. You may read the site, and print or save pages, for your own personal or internal business use.

You may not copy, adapt, scrape, resell, republish or use our content to build a competing service without our written permission. Where the site displays information belonging to someone else, it stays theirs. What you tell us about your enquiry remains yours; you give us permission to use it to produce your figures, to keep our own record of the enquiry, and to send it on in the ways clause 7 describes.

We aim to keep the site available and its calculations correct, but we do not promise it will be uninterrupted, error-free or up to date at every moment. We may change, suspend or withdraw any part of it, including a tool or a feature, without notice.

Calculations are tested and reviewed. Even so, if a figure looks wrong to you, treat it as wrong and tell us — it is far cheaper for both of us than acting on it.

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under that law or any other law that cannot be excluded. Everything below applies only to the extent the law permits it, and anything below that the law would not permit is to be read as simply not applying, rather than as cutting down a right you have.

To the extent permitted by law:

• we are not liable for loss arising from your reliance on an indicative figure, a calculator result or general information on this site;
• we are not liable for the acts or omissions of a broker or credit provider you are introduced to, or for the finance you take out with them;
• we are not liable for loss caused by information you gave us that was inaccurate or incomplete, or for the site being unavailable;
• we are not liable for indirect or consequential loss, lost profits or lost opportunity.

The re-supply limit, and when it is not open to us. Where the law allows our liability for failing to meet a consumer guarantee to be limited rather than excluded, we limit it to re-supplying the services or paying the cost of having them re-supplied. That limit is only available for services of a kind not ordinarily acquired for personal, domestic or household use or consumption.

A large part of what this site is used for is not of that kind. A car for the family is the obvious example, and this site takes those enquiries. Where the services you used are of a kind ordinarily acquired for personal, domestic or household use, the re-supply limit is not open to us, it does not apply, and your remedies under the consumer guarantees are undiminished by anything on this page.

We do not charge you to use this site, so there is nothing you have paid us that a refund could return.

Tell us. Our complaints process sets out how to raise a complaint about this site, the figures it showed you, how we handled your enquiry or your information, or being contacted when you did not want to be. It is free, and it explains where you can take the matter if our answer does not satisfy you.

Complaints about the advice you were given, the product recommended, the application or the loan itself belong to the broker or the credit provider. Send it to us anyway if you are not sure — we will tell you whose it is.

These terms are governed by the laws of Queensland, Australia. You and we submit to the non-exclusive jurisdiction of the courts of Queensland and of the courts that hear appeals from them.

We may update these terms, and here is the limit on that. A change takes effect for you when it is published, but it applies only to what you do after that. It does not reach back: an enquiry you have already sent us is governed by the terms that were published when you sent it, and nothing we write later changes the deal you were on at the time.

Before a change that matters to you. If we change these terms in a way that materially affects you and we hold your email address, we will email you at least 14 days before it takes effect, and tell you what is changing rather than sending you a link to compare two documents yourself. If you do not want to be bound by it, you do not have to be: tell us before it takes effect and we will close your enquiry, stop contacting you and delete what we hold about you, at no cost. Stopping is always available to you and it never costs you anything — you pay us nothing, and there is nothing to unwind.

Two things we do not need notice for, because they take nothing away from you: a change the law requires us to make, and a correction to a typographical or clerical error that does not change what a clause means. Everything else gets the notice above.

The date at the top moves whenever the text does, so a date that has not moved means nothing has. None of this changes what you agreed to at the time you gave us your details — that wording is recorded separately, against its own version, so it stays reproducible later.

For anything to do with these terms, email support@findnance.com.au. Email is how we take enquiries about these terms, and we have no premises to visit. We aim to reply within one business day.

Please also read our privacy policy, credit guide, disclosures and complaints process. Together they set out who we are, how we are paid, what we do with your information and what to do if something goes wrong.