Terms & Conditions

Last updated: 2nd February 2026

1. Introduction

Welcome to [Business Name] (“we”, “our”, “us”). These Terms & Conditions govern your use of this website ([website address]).

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this website.

This website provides general information about mortgage and finance services and allows users to make enquiries regarding credit assistance.

2. Credit Assistance Disclaimer

Information provided on this website is general in nature only and does not take into account your personal objectives, financial situation, or needs.

Any information provided does not constitute credit advice or a recommendation unless we have completed an assessment of your individual circumstances.

Before acting on any information, you should consider whether it is appropriate for your situation.

Formal credit assistance will only be provided after:

  • you have received our Credit Guide, and

  • we have collected sufficient information to assess your requirements and objectives.

3. Credit Guide and Licensing

[Business Name] provides credit assistance under Australian credit legislation.

Our Credit Guide contains important information about:

  • the services we provide;

  • how we are paid;

  • our lender panel;

  • dispute resolution processes; and

  • your rights as a consumer.

A copy of our Credit Guide will be provided before credit assistance is provided or upon request.

[Insert licence details — e.g. Authorised Credit Representative of XXX Pty Ltd, Australian Credit Licence Number XXXX.]

4. Collection of Personal Information

We may collect personal information when you:

  • complete enquiry or contact forms;

  • request a call back.

  • provide information for loan assessment;

  • upload documents.

Personal information may include your name, contact details, employment and financial information, and other details relevant to assessing your enquiry.

This information is collected so we can:

  • respond to your enquiry.

  • assess your eligibility for credit assistance.

  • communicate with lenders or related parties where authorised.

Your personal information is handled in accordance with our Privacy Policy, available at [link].

5. Privacy and Consent

By submitting information through this website, you consent to us contacting you regarding your enquiry and providing information about finance products or services relevant to your request.

We do not sell personal information. Information may be shared with lenders, aggregators, or service providers where necessary to provide credit assistance and where permitted by law.

6. No Guarantee of Approval or Rates

Loan approval, interest rates, and loan terms are determined by lenders and subject to their credit criteria, policies, and verification processes.

We do not guarantee loan approval, specific rates, or lending outcomes.

7. Third-Party Links and Information

This website may include links to third-party websites or lender information. We are not responsible for the content, accuracy, or privacy practices of third-party websites.

8. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any loss or damage arising from:

  • reliance on information contained on this website; or

  • use of this website.

Nothing in these Terms excludes rights available under Australian Consumer Law.

9. Changes to Terms

We may update these Terms & Conditions from time to time. Updated terms will apply once published on this website.

10. Governing Law

These Terms & Conditions are governed by the laws of Victoria, Australia.

11. Contact Details

North & Co. Finance PTY LTD
52 Nolan St, Niddrie 3042
skolokithas@northandcofinance.com.au
0416 290 005