Terms & Conditions

About These Terms

These Terms & Conditions ("Terms") govern your use of the Finance Mutual Australia website and services provided by Finance Mutual Australia Pty Ltd ABN 41 746 206 148, Australian Credit Licence 387284 ("we", "us", "our").

Contact Details:

Address: Level 5, 333 King William Street, Adelaide SA 5000
Phone: (08) 8216 4111
Email: mail@financemutual.com.au
Postal Address: PO Box 6277 Halifax Street, Adelaide SA 5000

Acceptance of Terms

By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our website or services.

These Terms apply to all visitors, users, and others who access or use our website and services.

Website Use

Permitted Use

You may use our website for:

Obtaining information about our financial products and services
Using our calculators and tools for personal, non-commercial purposes
Submitting enquiries and applications
Accessing your account information (where applicable)

Prohibited Use

You must not:

Use our website for any unlawful purpose or activity
Attempt to gain unauthorized access to any part of our website or systems
Transmit any viruses, malware, or other harmful code
Interfere with or disrupt our website or servers
Use automated systems (bots, scrapers) to access our website
Copy, reproduce, or distribute our content without permission
Impersonate any person or entity
Submit false, misleading, or fraudulent information

Financial Calculators and Tools

Purpose and Limitations

Any calculators available on our website are designed to give you examples of different financial scenarios, based on stated assumptions and the figures you input.

Important Disclaimers:

The calculations are intended as estimates only
They are not meant to be kept or used for any practical purpose
They are not a substitute for professional financial advice
Any calculators or information provided on our website are for your convenience only
They do not constitute credit or financial advice

Generic Information Only

Information provided by our calculators has been prepared without consideration of your particular circumstances and should be viewed as generic information only. This information does not indicate that you should follow a particular course of action.

Reliability and Accuracy

While we have based the calculator information on sources that we believe are reliable and accurate, your actual outcomes will depend on a range of factors outside of our control.

Professional Advice Required

You should not rely on these calculators when making decisions about lending and/or financing. Instead, you should consider getting credit advice from an Australian Credit Licence holder or Credit Representative who can assess your individual circumstances.

Information and Disclaimers

General Information

All information on our website is:

General in nature and not personalized advice
Subject to change without notice
Current as at the date of publication
Prepared in accordance with Australian law

No Warranties

We make no representations, express or implied, regarding:

The accuracy, completeness, or reliability of information on our website
The suitability of information for any particular purpose
That our website will be free from errors, viruses, or other harmful components
That our website will be continuously available or uninterrupted

Professional Advice Disclaimer

The information on our website is not intended as:

Financial advice
Credit advice
Legal advice
Tax advice
Investment advice

You should seek professional advice from qualified advisers before making any financial decisions.

Virus Protection

We do not warrant that our website is free from computer viruses or other contamination. You are responsible for implementing adequate virus protection and data backup procedures.

Links to Third Party Sites

External Links

Our website may contain links to external websites operated by third parties. These links are provided for your convenience only.

No Endorsement

Links to third-party websites do not constitute:

Endorsement of material at those sites
Endorsement of any associated organization, product, or service
A recommendation to use those sites

Third Party Responsibility

External information sources are outside our control. It is your responsibility to make your own decisions about the accuracy, currency, reliability, and correctness of information at those sites.

Different Policies

Each external website will have its own:

Privacy policy
Security standards
Terms of use

You should check these policies as we cannot confirm what standards third-party websites may adopt.

Release of Claims

By accessing information at or through our website, you waive and release us to the full extent permitted by law from any and all claims relating to your use of material made available through external websites.

Intellectual Property

Our Rights

All content on our website, including but not limited to:

Text, graphics, logos, images
Software, code, and functionality
Trademarks and trade names
Design and layout

is owned by us or our licensors and is protected by Australian and international intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes, subject to these Terms.

Restrictions

You may not:

Reproduce, distribute, or publicly display our content
Create derivative works based on our content
Use our trademarks or logos without written permission
Remove or alter any copyright notices or proprietary markings

User Conduct

Responsible Use

You agree to use our website responsibly and in accordance with:

These Terms
Applicable laws and regulations
Community standards and ethical practices

Prohibited Activities

You must not:

Submit false or misleading information
Violate any applicable laws
Infringe on the rights of others
Engage in harassment or abusive behavior
Attempt to circumvent security measures

Consequences

We reserve the right to:

Suspend or terminate your access to our website
Remove any content you submit
Take legal action for violations of these Terms

Account Security

Your Responsibilities

If you have an account with us, you are responsible for:

Maintaining the confidentiality of your login credentials
All activities that occur under your account
Notifying us immediately of any unauthorized use
Using strong passwords and keeping them secure

Our Rights

We may:

Suspend or terminate accounts for security reasons
Require additional verification for certain activities
Monitor account activity for fraud prevention

Service Availability

Best Efforts

We strive to maintain our website's availability but do not guarantee:

Continuous, uninterrupted access
Error-free operation
Compatibility with all devices or browsers

Maintenance

We may:

Perform scheduled maintenance
Make updates or improvements
Temporarily suspend services when necessary

We will provide reasonable notice of planned maintenance where practical.

Limitation of Liability

Maximum Liability

To the maximum extent permitted by law, our liability to you for any loss or damage arising from your use of our website is limited to the amount you have paid us for services in the 12 months preceding the claim.

Excluded Damages

We exclude liability for:

Indirect, consequential, or incidental damages
Loss of profits, revenue, or business opportunities
Loss of data or information
Punitive or exemplary damages

Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer rights under Australian Consumer Law that cannot be excluded, restricted, or modified.

Indemnity

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses (including legal fees) arising from:

Your use of our website
Your violation of these Terms
Your violation of any applicable laws
Any content you submit to our website

Governing Law

Australian Law

These Terms and all matters relating to our website are governed by and construed according to the laws of South Australia and the Commonwealth of Australia.

Jurisdiction

Any disputes arising from these Terms or your use of our website will be subject to the exclusive jurisdiction of the courts of South Australia.

International Users

Our website and services are intended for users in Australia. The information may not satisfy the laws of any other country and is not directed at people in any other country.

If you access our website from outside Australia, you do so at your own risk and are responsible for compliance with local laws.

Changes to Terms

Right to Modify

We reserve the right to modify these Terms at any time. When we make changes, we will:

Post the updated Terms on our website
Update the "last updated" date
Provide notice of material changes where required by law

Continued Use

Your continued use of our website after changes are posted constitutes acceptance of the modified Terms.

Regular Review

We encourage you to review these Terms regularly to stay informed of any updates.

Contact Information

If you have questions about these Terms, please contact us:

Finance Mutual Australia Pty Ltd

Address: Level 5, 333 King William Street, Adelaide SA 5000
Phone: (08) 8216 4111
Email: mail@financemutual.com.au
Postal Address: PO Box 6277 Halifax Street, Adelaide SA 5000

Business Hours: Monday to Friday, 9:00 AM to 5:00 PM (ACST)