Terms of Service

Welcome to Equifin ("we", "us", "our"). These Terms of Service govern your access to and use of our website located at www.equifin.com.au ("Website").

By accessing or using this Website, you agree to these Terms. If you do not agree, you must not use the Website.

1. Nature of Our Service

Equifin provides:

• Educational information about home loans, finance, and property in Australia
• AI-powered tools and calculators (including borrowing power, repayment and stamp duty estimators)
• Appointment booking functionality
• Access to licensed finance broking services

The content, tools and AI-generated outputs are provided for general information purposes only and do not constitute financial advice, credit advice, legal advice or tax advice.

You should consider your personal circumstances and seek professional advice before making financial decisions.

2. No Financial Advice Disclaimer

All information provided on this Website:

• Is general in nature
• Does not take into account your personal objectives, financial situation or needs
• Should not be relied upon as a substitute for professional advice

Any borrowing capacity estimates, repayment figures, or cost calculations are indicative only and may vary depending on lender policies, interest rates, credit assessment and other factors.

We make no guarantee that you will qualify for a particular loan product or borrowing amount.

3. AI-Generated Content and Outputs

Some content and responses on this Website are generated using artificial intelligence technology.

While we aim to ensure accuracy and relevance:

• AI outputs may contain errors or outdated information
• Information may not reflect the latest lender policy changes or regulatory updates
• Outputs should not be relied upon as definitive financial guidance

You remain responsible for verifying information before making decisions.

4. Licensed Finance Broker Services

Where you submit an enquiry or book an appointment, you may be contacted by a licensed finance broker.

By submitting your details, you consent to receiving phone calls or SMS communications regarding your enquiry. Standard carrier rates may apply.

Credit assistance will only be provided by an authorised representative in accordance with Australian credit legislation.

Loan approvals are subject to lender assessment and eligibility criteria.

5. User Responsibilities

By using this Website, you agree that:

• The information you provide is accurate and not misleading
• You will not use the Website for unlawful purposes
• You will not attempt to interfere with Website functionality
• You will not attempt to access restricted systems

We reserve the right to restrict or terminate access if misuse occurs.

6. Intellectual Property

All content on this Website, including text, branding, logos, design, calculators, software and AI tools, is owned by or licensed to Equifin Pty Ltd.

You may access the content for personal use only.

You must not reproduce, distribute, modify or commercially exploit any material without written permission.

7. Limitation of Liability

To the maximum extent permitted by Australian law:

• We do not guarantee uninterrupted or error-free Website access
• We are not liable for any loss arising from reliance on information provided
• We are not responsible for third-party services or external links

Nothing in these Terms excludes rights that cannot be excluded under Australian Consumer Law.

8. Privacy

We collect and handle personal information in accordance with our Privacy Policy.

By using this Website, you agree to our collection, use and disclosure of personal information as described in our Privacy Policy.

9. Cookies and Tracking Technologies

9.1 What Are Cookies

Cookies are small data files stored on your device when you visit our Website. They help improve functionality, performance and user experience.

9.2 How We Use Cookies

We use cookies for the following purposes:

9.3 Third-Party Cookies

Some cookies may be placed by third-party providers such as analytics or advertising partners. We recommend reviewing their privacy policies.

9.4 Managing Cookies

You can manage or disable cookies via your browser settings. Disabling cookies may affect Website functionality.

By continuing to use our Website, you consent to our use of cookies as described above.

10. Third-Party Links

This Website may contain links to external websites. We are not responsible for the content, privacy practices or services of third-party websites.

Accessing third-party websites is at your own risk.

11. Changes to These Terms

We may update these Terms from time to time.

Updated versions will be published on this page with a revised Effective Date.

Your continued use of the Website constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of Australia.

Any disputes will be subject to the jurisdiction of Australian courts.

13. Contact Us

If you have questions about these Terms, please contact us via our contact page.