Terms and Conditions

Last Updated: 18/03/25

Welcome to Your Finance Guide. These Terms and Conditions govern your use of our website and services. By accessing or using our services, you agree to be bound by these terms.

1. Definitions

  • “We,” “us,” “our” refers to Your Finance Guide.
  • “You,” “your” refers to users of our website or services.
  • “Services” refers to the financial information, loan guidance, and lead generation assistance provided through our platform.
  • “The Mortgage Group” refers to The Mortgage Group Pty Ltd (ACL 505575), under whose licence we operate.

2. Our Role & Regulatory Compliance

  • Your Finance Guide operates under the licence and compliance of The Mortgage Group Pty Ltd (ACL 505575), a licensed credit provider in Australia.
  • We provide general financial information and loan guidance but do not offer financial, tax, or legal advice.
  • Loan approvals, interest rates, and financial products are determined by third-party lenders and not by Your Finance Guide.
  • By using our services, you acknowledge that we act as an intermediary and not as a direct lender or financial institution.

3. Use of Website and Services

  • You must be at least 18 years old to use our services.
  • You agree to use our website and services for lawful purposes only.
  • We reserve the right to refuse service to anyone at our discretion, including for violations of these Terms.

4. Financial Information Disclaimer

  • The information provided on this website is for general informational purposes only and does not constitute financial, tax, or legal advice.
  • We do not guarantee loan approvals, interest rates, or any financial outcomes.
  • Users are advised to consult with a qualified financial professional before making financial decisions.

5. User Responsibilities

By using our services, you agree:
✔ To provide accurate and up-to-date information.
✔ Not to use our website for fraudulent activities or impersonation.
✔ Not to distribute viruses, malware, or harmful code through our website.

6. Third-Party Services & Lenders

  • We may provide links to third-party lenders or financial services.
  • Your Finance Guide does not control or take responsibility for third-party content, policies, or practices.
  • Any financial agreements you enter into with third-party lenders are solely between you and the lender.

7. Privacy and Data Protection

  • Our Privacy Policy governs the collection, use, and storage of personal data.
  • Your personal information may be shared with The Mortgage Group Pty Ltd (ACL 505575) and relevant lenders for loan processing.
  • By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.

8. Limitation of Liability

  • Your Finance Guide is not liable for any financial losses, damages, or decisions made based on our content or services.
  • We do not guarantee uninterrupted or error-free website access.
  • To the maximum extent permitted by Australian law, we disclaim all warranties, express or implied.

9. Intellectual Property

  • All website content, including text, images, logos, and designs, is owned by or licensed to us and protected under Australian intellectual property laws.
  • You may not copy, reproduce, or distribute any website content without our written permission.

10. Termination of Access

  • We may terminate or suspend your access to our website and services without notice if you violate these Terms.
  • Any fraudulent or unlawful activity may be reported to relevant authorities.

11. Changes to Terms

  • We reserve the right to update or modify these Terms at any time.
  • Continued use of our services after changes means you accept the updated Terms.

12. Governing Law & Compliance

  • These Terms are governed by Australian law.
  • Any disputes shall be resolved in Australian courts.

13. Contact Us

If you have any questions regarding these Terms, you can contact us at:
📧 Email: [email protected]
📞 Phone: +61 455 221 921