Terms of Use

About These Terms

These Terms of Use govern your access to and use of the koala financial™ website at koalafinancial.com.au (the "website"). By accessing or using the website, you agree to these terms. If you do not agree, please do not use the website.

The website is operated by Koala Financial Pty Ltd (ABN 36 685 260 397) ("Koala Financial", "we", "us" or "our"). We may update these terms from time to time to reflect changes to our business, technology or legal obligations. The latest version will always be available on this page, and your continued use of the website means you accept the current terms.

Who We Are

Koala Financial Pty Ltd (ABN 36 685 260 397) is a mortgage and finance broking business. Scott Lung (Credit Representative Number 567904) and Koala Financial Pty Ltd (Credit Representative Number 567905) are Credit Representatives of Purple Circle Financial Services Pty Ltd (ABN 21 611 305 170), the holder of Australian Credit Licence 486112.

We provide credit assistance under the National Consumer Credit Protection Act 2009 (Cth). Where you engage us to provide credit assistance, we will give you a Credit Guide and any other disclosure documents required by law, separately from this website, before or at the time we provide that assistance.

The Information on This Website Is General Only

The information, articles, guides and other content on this website are general in nature and are provided for educational and informational purposes only. They do not take into account your objectives, financial situation or needs.

The content on this website does not constitute tax, accounting, credit, legal or financial advice, and is not a recommendation to enter into (or refrain from entering into) any particular credit product, loan structure or transaction. Before acting on any information on this website, you should consider its appropriateness having regard to your own circumstances, and seek advice from a licensed or qualified professional — including your accountant or tax adviser for tax matters, and a solicitor for legal matters.

Any views expressed reflect our honest, good-faith understanding at the time of writing. Laws, lender policies, interest rates, government schemes and eligibility criteria change frequently and may have changed since content was published.

Calculators and Tools Are Estimates Only

Our website includes calculators and interactive tools (for example, borrowing power, repayment, stamp duty and rentvesting calculators). These tools:

• -produce indicative estimates only, based on the assumptions built into each tool and the information you enter
• -do not take into account your full financial situation, a lender's actual credit assessment, or current lender policy
• -are not a loan application, a quote, an offer of finance, a pre-approval, or an approval of any kind
• -do not guarantee that any loan amount, interest rate, repayment, cost or outcome shown will be available to you

Actual borrowing capacity, interest rates, fees, government charges (including stamp duty), lenders mortgage insurance and loan terms are determined by the relevant lender, insurer or government authority, and are confirmed only after a full assessment of your circumstances. We confirm your real numbers with you before you act on them. You should not make financial decisions based solely on a calculator result on this website.

No Guarantee of Loan Approval or Outcomes

Nothing on this website is a promise or guarantee that finance will be approved, that a particular product will be available to you, or that any strategy will produce a particular financial result. Whether credit is provided, and on what terms, is a decision for the relevant lender based on its own criteria. Property values, rents, interest rates and investment returns can fall as well as rise, and past performance is not a reliable indicator of future performance.

Using the Website

You may use this website only for lawful purposes and in accordance with these terms. You agree not to:

• -use the website in any way that breaches any applicable law or regulation, or is fraudulent or harmful
• -attempt to gain unauthorised access to the website, its servers, or any connected system or network
• -introduce any virus, malware or other malicious or technologically harmful material
• -scrape, harvest, data-mine or systematically extract content or data from the website without our prior written consent
• -reproduce, republish, resell or commercially exploit any content from the website except as expressly permitted by these terms
• -use the website in any way that could damage, disable, overburden or impair it, or interfere with any other party's use of it

We may suspend, restrict or terminate your access to the website at any time if we reasonably believe you have breached these terms.

Intellectual Property

Unless otherwise stated, all content on this website — including text, graphics, logos, calculators, images, layout and design — is owned by or licensed to Koala Financial Pty Ltd and is protected by Australian and international intellectual property laws. "koala financial" and the koala financial logo are trademarks of Koala Financial Pty Ltd.

You may view, download and print content from this website for your own personal, non-commercial use. You must not otherwise copy, modify, distribute, publish or use our content or trademarks without our prior written permission.

Third-Party Links and Content

This website may contain links to third-party websites, tools or resources (for example, lenders, government agencies, credit reporting bodies or booking and scheduling platforms) that are not operated by us. We provide these links for convenience only. We do not control, endorse or accept responsibility for the content, products, services, or privacy and security practices of any third-party website, and your use of any third-party website is at your own risk and subject to that third party's own terms.

Availability of the Website

We aim to keep the website available and up to date, but we provide it on an "as is" and "as available" basis. We do not warrant that the website will be uninterrupted, error-free, secure, or free from viruses or other harmful components, or that any defect will be corrected. We may change, suspend or withdraw all or part of the website at any time without notice.

Limitation of Liability

Nothing in these terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition, implied or imposed by law (including the Australian Consumer Law) that cannot lawfully be excluded or limited.

Subject to that, to the maximum extent permitted by law:

• -we exclude all representations, warranties and conditions not expressly set out in these terms
• -we are not liable for any loss or damage (including indirect, special or consequential loss, or loss of profit or opportunity) arising from your use of, or reliance on, the website or its content, including any calculator result
• -where our liability cannot be excluded but can be limited, our liability is limited (at our option) to re-supplying the relevant information or paying the cost of having it re-supplied

This limitation does not affect any separate rights or obligations that arise under a credit assistance engagement between you and us, which are governed by that engagement and the applicable law.

Privacy

We handle personal information in accordance with our Privacy Policy, which forms part of these terms. Please read our Privacy Policy to understand how we collect, hold, use and disclose your personal information.

Complaints

If you have a concern or complaint about the website or our services, please contact us first so we can try to resolve it:

Koala Financial Phone: 0418 186 700 Email: hello@koalafinancial.com.au

If your complaint relates to our credit assistance and you are not satisfied with our response, you may escalate it to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme.

Australian Financial Complaints Authority (AFCA) Phone: 1800 931 678 | Email: info@afca.org.au | Website: www.afca.org.au

Governing Law

These terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia in relation to any dispute connected with the website or these terms.

koala financial™ is a trademark of Koala Financial Pty Ltd. Scott Lung (CRN 567904) and Koala Financial Pty Ltd (CRN 567905) are Credit Representatives of Purple Circle Financial Services Pty Ltd ABN 21 611 305 170, Australian Credit Licence 486112. The information on this website is general in nature and does not constitute tax, accounting, credit or financial advice.