Terms & Conditions

1. Introduction

Welcome to the Loans123 website. This website is owned and operated by Loans 123 (Aust) Pty Ltd t/as Loans 123 (ABN 62 693 374 284), Authorised Credit Representative #575877 of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803.

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

2. Use of Website

You agree to use this website only for lawful purposes and in a way that does not:

• •Infringe the rights of any third party
• •Restrict or inhibit anyone else's use and enjoyment of the website
• •Breach any applicable laws or regulations
• •Transmit any material that is defamatory, offensive, or otherwise objectionable
• •Introduce viruses, trojans, worms, or other malicious software

3. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Loans123 or its content suppliers and is protected by Australian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

4. Information Accuracy

While we strive to ensure the information on this website is accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website.

Interest rates, fees, and loan terms displayed on this website are subject to change without notice and are indicative only. Actual rates and terms will be confirmed upon application.

5. Credit Services

Loans123 acts as a credit assistance provider, not a lender. We assist you in finding suitable loan products from our panel of lenders. Any credit contract you enter into will be directly with the relevant credit provider, not with Loans123.

All credit applications are subject to the credit provider's approval criteria, terms and conditions. We do not guarantee approval of any credit application.

6. Privacy

Your use of this website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

7. Third Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of these websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Limitation of Liability

To the maximum extent permitted by law, Loans123 excludes all liability for any loss or damage of any kind (including indirect or consequential loss, loss of profits, or loss of data) arising from your use of, or inability to use, this website or any information or services obtained through it.

9. Indemnity

You agree to indemnify and hold harmless Loans123, its directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your breach of these Terms and Conditions or your use of this website.

10. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting to this website. Your continued use of the website following any changes constitutes your acceptance of the new Terms and Conditions.

11. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for the resolution of any disputes arising from these terms or your use of this website.