Important Legal Information

Disclaimer

This page explains important limitations applying to FinanceFlow's website, business-finance information, enquiry tools, introductions and third-party providers. It should be read together with our Terms of Use, Privacy Policy and Important Information About Business Finance.

FINANCEFLOW PTY LTD · ACN 700 298 835 Last updated: 26 August 2026

1 · Purpose and scope

About This Disclaimer

This Disclaimer applies to the FinanceFlow website, published content, calculators, enquiry forms, communications, referral and introduction services provided by FINANCEFLOW PTY LTD (ACN 700 298 835), trading as FinanceFlow.

It is intended to clarify FinanceFlow's role and the limits of general information made available through the website. It does not replace the terms, disclosures or professional obligations of any independent finance professional, credit provider or specialist provider you may choose to engage.

FinanceFlow's role General information Rates & fees Independent providers Advertising Liability

2 · Our role

FinanceFlow Is Not a Lender or Credit Provider

FinanceFlow is an Australian credit intermediary platform. We help Australian businesses describe a finance need, identify potentially relevant finance pathways and, where appropriate, connect suitable enquiries with independent finance professionals or credit providers.

FinanceFlow does not itself:

lend money or issue a credit facility;
approve, decline or assess a credit application on behalf of a provider unless expressly authorised to perform a specific administrative task;
guarantee approval, funding, pricing, settlement or any particular timeframe;
set a provider's interest rates, fees, security requirements, documentation requirements or credit criteria; or
provide the regulated assessment, disclosures or advice that may be required from the relevant licensed or authorised professional or provider.

Commercial and business-finance focus

FinanceFlow's website and enquiry service are positioned for commercial and business-finance purposes. FinanceFlow does not offer personal or consumer loans through this website. The legal treatment of a particular finance arrangement depends on its purpose and circumstances.

3 · General information only

Website Content Is a Starting Point, Not Personal Advice

Information on this website is general in nature and is provided to help businesses understand possible finance pathways and considerations. It does not take into account your complete objectives, financial situation or needs and is not intended to be personal financial advice, legal advice, tax advice or accounting advice.

FinanceFlow does not represent that the website contains every finance option, provider, product, credit criterion or market development that may be relevant to your circumstances.

Before acting on information that may have financial, legal, tax or accounting consequences, obtain professional advice or confirmation appropriate to your circumstances.

Important distinction

Finding a potentially relevant pathway is not the same as determining that it is suitable.

The relevant finance professional or credit provider must consider the information and criteria applicable to its own service or facility. You remain responsible for deciding whether to proceed after reviewing the relevant documents, costs, obligations and risks.

4 · Tools and estimates

Calculators, Borrowing-Capacity Tools and Illustrations

Any calculator, repayment estimate, borrowing-capacity indication, example rate, example amount, timeline, case study or illustrative scenario on the FinanceFlow website is indicative only.

These outputs are not a quote, offer, credit assessment, approval, recommendation or promise that finance will be available on the same terms. They may use assumptions that do not reflect the methodology, fees or criteria of a particular provider.

Actual rates, repayments, total costs, security requirements, documents, conditions and timeframes can differ materially from an online illustration.

5 · Independent providers

Finance Professionals and Credit Providers Operate Independently

FinanceFlow may introduce a business enquiry to one or more independent finance professionals, brokers, credit providers or specialist providers where a pathway appears potentially relevant.

FinanceFlow does not compare every lender, broker, credit provider or finance product in the Australian market. The professionals and providers available to FinanceFlow can change over time and an introduction depends on the nature of the enquiry, provider appetite, service scope and availability.

Each provider is responsible for its own:

licensing, authorisations and professional obligations where applicable;
assessment and acceptance criteria;
advice, recommendations or disclosures it is authorised or required to provide;
interest rates, fees, commissions, costs and security requirements;
documentation, approval and settlement process; and
privacy practices, complaints process and contractual terms.

An introduction by FinanceFlow is not an endorsement or guarantee of a particular outcome. Before proceeding, review the provider's own disclosures and terms and ask questions about anything you do not understand.

6 · Rates, fees and terms

Rates, Fees, Security and Finance Terms Vary

Any rate, fee, repayment, finance amount, loan-to-value ratio, timeframe or other commercial term mentioned on the website or in advertising is subject to the relevant provider's criteria and may change without notice.

The actual terms available to a business can depend on factors such as finance purpose, amount, term, financial performance, servicing, credit profile, documentation, asset type, security, property or asset value, provider policy and market conditions.

Additional costs may apply, including broker fees, establishment fees, valuation fees, legal costs, due-diligence costs, discharge costs, early-repayment costs or other provider charges. The relevant provider or finance professional should explain applicable costs and documentation before you proceed.

Do not rely on an advertised or illustrative rate as the rate your business will receive.

7 · Timeframes and outcomes

No Guarantee of Approval, Funding or Settlement Time

Finance assessment and settlement timeframes vary significantly by provider and transaction. They can be affected by documentation, valuation, legal work, security, third-party consents, due diligence, provider workload and other matters outside FinanceFlow's control.

References to speed, fast assessment, indicative turnaround times or example settlement periods should not be interpreted as a guarantee. A provider may request additional information, change its requirements, decline an enquiry or withdraw an indicative position.

If your business has a critical deadline, tell FinanceFlow and the relevant finance professional as early as possible, but do not commit to a transaction on the assumption that funding will be available by a particular date unless that has been confirmed by the responsible provider in writing.

8 · Credit enquiries

Initial FinanceFlow Enquiries and Credit Checks

An initial FinanceFlow enquiry does not itself trigger a credit check. If you later choose to proceed with a finance professional or credit provider, that party may request your consent to obtain a credit report or make other enquiries as part of its assessment process.

The existence and effect of a credit enquiry depend on the provider, the type of facility and the circumstances. Ask the relevant finance professional what checks may occur before consenting to a formal application or assessment.

9 · Advertising and promotions

Advertising Is Subject to the Same Accuracy and Role Disclosures

FinanceFlow may advertise its business-finance enquiry and matching service through search engines, social-media platforms and other channels. Advertising should be read together with the qualifications, eligibility statements and important information linked from the advertisement or landing page.

FinanceFlow does not intend advertising to represent that FinanceFlow itself is the lender, credit provider or decision-maker. Any finance product, rate, amount or provider-specific feature referenced in advertising remains subject to the relevant provider's criteria, availability, terms and required disclosures.

Where an advertising platform requires information identifying the person or organisation benefiting from or paying for an advertisement, FinanceFlow may provide that information through the platform's disclosure or verification features.

Licensing terminology

AFSL and credit licensing are different regulatory concepts.

FinanceFlow does not rely on a blanket statement that it is “AFSL exempt” merely because the website relates to business finance. Whether a particular activity requires an Australian Financial Services Licence, Australian Credit Licence, credit-representative authority or an exemption depends on the activity and applicable law. Independent providers are responsible for maintaining any licence or authority required for the services they provide.

10 · Third-party content

External Websites, Data and Provider Information

FinanceFlow may link to government, regulatory, provider or other third-party websites and may refer to information supplied by third parties. External content can change without notice and FinanceFlow does not control third-party websites.

Although we aim to use reputable sources and present information carefully, you should confirm material information with the original source or relevant professional before relying on it for a business decision.

11 · Liability and statutory rights

Limits of Responsibility

Nothing in this Disclaimer excludes, restricts or modifies a right, guarantee, condition, warranty, remedy or liability that cannot lawfully be excluded, restricted or modified.

Subject to those non-excludable rights and to the maximum extent permitted by law, FinanceFlow is not responsible for loss arising solely from:

a provider's decision to approve, decline, vary or withdraw a finance facility;
provider-controlled rates, fees, terms, security requirements, assessment delays or settlement outcomes;
reliance on indicative website tools or general information without appropriate confirmation;
inaccurate or incomplete information supplied by a user or third party;
third-party websites, platforms, services or systems outside FinanceFlow's reasonable control; or
events, outages or interruptions outside FinanceFlow's reasonable control.

This Disclaimer should not be read as excluding liability for fraud, wilful misconduct or any other liability that cannot lawfully be excluded.

12 · Related legal information

Read These Pages Together

The FinanceFlow website's legal and transparency framework is spread across several pages because each serves a different purpose.

Terms

Terms of Use

The terms governing use of the website, enquiry services, tools, introductions and third-party links.

Read Terms of Use →

Privacy

Privacy Policy

How FinanceFlow collects, uses, holds and discloses personal information.

Read Privacy Policy →

Finance

Important Information

Key considerations around business-finance pathways, costs, security, eligibility and decision-making.

Read Important Information →

Tools

Repayment Estimator

Indicative repayment modelling with its own assumptions and limitations.

Open Repayment Estimator →

13 · Updates and contact

Changes to This Disclaimer

FinanceFlow may update this Disclaimer to reflect changes to the website, services, advertising, provider arrangements or applicable requirements. The current version will be published on this page with an updated revision date.

FINANCEFLOW PTY LTD

Suite 303, 17 High St, Berwick VIC 3806
Phone: 0483 916 632
Email: [email protected]