Terms of Use
FinanceFlow.com.au (“The Business”) operates the website FinanceFlow.com.au.
Acceptance of Terms
These Terms govern your use of The Business Website. They include, and should be read alongside, the Privacy Policy and other terms published on the website. By using or accessing The Business Website, you agree to comply with and be bound by these Terms.
From time to time, FinanceFlow may update these Terms without notice. Continued use of the website after such changes constitutes acceptance of the revised Terms. If you disagree with these Terms, you must not use or access the website.
These Terms benefit FinanceFlow, its related entities, and their personnel.
Pricing Information
All pricing displayed on this website is provided by third parties and is shown in Australian dollars (AUD). Prices may change due to revisions, additional fees, or charges, including cancellation fees or fees imposed by providers.
Services and Limitations
The Business provides an informational platform to help you explore certain products and services based on specific criteria you provide. However, the offerings may not represent all available options in the market, and some providers may not always be included.
The Business reserves the right to modify these Terms at its sole discretion.
Use of Personal Information
By using this website, you agree that The Business may collect and use your personal information in accordance with its Privacy Policy, which can be viewed here.
Do Not Call Register & Consent
By submitting your telephone number to The Business, you consent to receive calls from The Business, its related entities, and affiliates under the Do Not Call Register Act 2006. This consent will continue until you withdraw it.
Anti-Spam Consent
By submitting your email address to The Business, you consent to receive emails from The Business, its related entities, and affiliates under the Spam Act 2003. This consent will remain in effect until you withdraw it.
Consumer Protection
The National Consumer Credit Protection Act 2009 (NCCPA) is a law that regulates credit in Australia.
The Act's purpose is to protect consumers by ensuring responsible lending and imposing obligations on credit providers.
The NCCPA applies to a range of financial products and services, including: Home loans, Personal loans, Credit cards, Consumer leases, Mortgages, and Guarantees.
The NCCPA includes the National Credit Code (NCC) as Schedule 1. The NCCPA requires that all organisations that provide credit to consumers be licensed and comply with the NCC.
The NCC regulates credit lending conduct.
Trusted Lending Partners
Our Trusted Lending Partners are credit licensees or credit representatives and are licensed under the Australian Credit Licence as per the Australian Securities & Investments Commission and are authorised to engage in specified credit activities on behalf of a credit licensee. They can be authorised to engage in some or all of the activities authorised by the licence.
Our business operates under a referral arrangement with trusted lending partners. By providing your contact details (including your name, email address, and/or phone number) through any form, survey, or inquiry—whether online, by phone, or SMS—you consent to us sharing your information with these trusted lending partners to facilitate discussions regarding your financial needs.
Once shared, our trusted lending partners may contact you directly to offer assistance tailored to your finance requirements.
Please note: You are under no obligation to engage their services and may decline their assistance at any time.
Commissions
FinanceFlow may receive fees or commissions from participating trusted lending partners for the services provided on this website.
No Financial Advice
The Business does not provide financial advice. The information and guidance on this website are for general purposes only. You should assess your own financial situation and consult with a professional before making decisions about products or services.
Borrowing Options
Important Information regarding borrowing options can be viewed here and is further stipulated below under 'Liability and Limitations' section.
Liability and Limitations
To the extent permitted by law, The Business is not liable for any loss, damage, or interruptions resulting from your use of the website or its materials. This includes, but is not limited to, data loss, profit loss, or any business interruptions.
You are responsible for reviewing all product and service information before proceeding. If you are uncertain about any terms or conditions, seek advice directly from the relevant provider.
Jurisdiction
These Terms are governed by the laws of Victoria, Australia. By using the website, you agree to submit to the jurisdiction of Victoria's courts and any appellate courts.
General Disclaimer
The content on this site is prepared by FinanceFlow for FinanceFlow.com.au. While every effort is made to ensure accuracy, The Business does not guarantee that the information is free from errors, omissions, or changes caused by third-party providers.
Accuracy of Information
The information on this site is accurate at the time of publication but may become outdated due to changes in circumstances. The Business is not liable for the accuracy of information stored or used by users.
Links to Third-Party Sites
The website contains links and references to third-party websites for informational purposes only. The Business does not guarantee the accuracy or reliability of information from third parties or external links. Users are encouraged to verify information independently.