These terms apply to your use of the Financeo website at financeo.com.au and its pages ("the website"). The website is operated by Financeo Pty Ltd (CRN 580781), a Credit Representative of Connective Credit Services Pty Ltd, Australian Credit Licence 389328. In these terms, "we", "us" and "our" refer to Financeo, and "you" refers to anyone using the website.

By using the website you agree to these terms. If you don't agree, please don't use the website.

General information only

The content on this website, including articles, service descriptions and FAQs, is general information only. It doesn't take into account your objectives, financial situation or needs, and it is not credit assistance, financial product advice, tax advice or legal advice.

Before acting on any information, consider whether it's appropriate for your circumstances and speak with us directly. Where relevant, you should also get independent legal, tax or financial advice.

Calculators and estimates

Any calculators, borrowing power estimates or repayment figures on the website are a guide only. They are based on the assumptions and figures you enter and do not represent a quote, a pre-approval or an offer of credit.

Interest rates, fees and lending criteria change regularly and vary between lenders. Your actual borrowing capacity and repayments will depend on a full assessment of your circumstances by us and the lender.

No guarantee of approval

All loan applications are subject to the lender's credit assessment, lending criteria, terms and conditions, fees and charges. We can't guarantee that any application will be approved, or that a particular rate, product or outcome will be available to you.

Government schemes and grants

Information about government schemes, grants and concessions (such as the First Home Owner Grant, Home Guarantee Scheme and stamp duty concessions) is a summary only. Eligibility rules, caps and availability are set by the relevant government bodies and may change without notice. Check current details with the administering authority or ask us to confirm your eligibility.

Our service and how we are paid

Before we provide credit assistance, we will give you our Credit Guide. It explains our services, the lenders we work with, how we are paid, and how to make a complaint.

We are generally paid commission by the lender when your loan settles, and in most cases there is no fee to you for our service. If a fee does apply, we will tell you in writing before we proceed. Details of commissions are set out in our Credit Guide and Credit Quote.

Enquiries and contact forms

When you submit a form or contact us through the website, you confirm that the information you provide is true and complete to the best of your knowledge. Submitting an enquiry does not create a client relationship or an obligation for us to provide credit assistance.

We handle any personal information you provide in line with our Privacy Policy.

Third-party websites

The website may link to third-party websites, including lenders, government agencies and review platforms. We don't control those websites and aren't responsible for their content, availability or privacy practices. A link is not an endorsement.

Reviews and testimonials

Client reviews on the website reflect the individual experiences of those clients. They are not a guarantee or prediction of the outcome you will achieve.

Intellectual property

Unless stated otherwise, the content on this website, including text, images, logos and design, is owned by or licensed to Financeo. You may view and print pages for your own personal, non-commercial use. You must not copy, reproduce, modify or distribute any content without our written permission.

Lender names and logos are the trade marks of their respective owners and are shown to identify lenders on our panel.

Accuracy of information

We take reasonable care to keep the website accurate and up to date, but we don't warrant that the content is complete, current or free of errors. We may update or remove content at any time without notice.

Limitation of liability

To the extent permitted by law, we are not liable for any loss or damage, including indirect or consequential loss, arising from your use of the website or reliance on its content.

Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded. Where our liability can be limited but not excluded, it is limited to resupplying the relevant service or paying the cost of having it resupplied.

Complaints

If you have a complaint about our service, please contact us first using the details below and we'll work to resolve it. If you're not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) at afca.org.au or 1800 931 678. Full details of our complaints process are in our Credit Guide.

Changes to these terms

We may update these terms from time to time. The current version will always be published on this page, and your continued use of the website means you accept the updated terms.

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.

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