Terms of Service

1. Acceptance of Terms

By accessing and using the Private Financial website at privatefinancial.com.au (“the Website”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not use the Website.

Your continued use of the Website following the posting of any changes to these Terms constitutes acceptance of those changes.

2. About Us

The Website is operated by Private Financial Pty Ltd (ACN 689 471 574) (“Private Financial”, “we”, “us”, or “our”), a private lending company registered in Australia.

Our registered office is located at Ground Floor, 470 St Kilda Rd, Melbourne VIC 3004.

3. Use of Website

The Website is provided for general informational purposes only. You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Website by, any third party.

You must be at least 18 years of age to use this Website or any of our services. By using the Website, you represent and warrant that you are at least 18 years old.

You agree not to:

• Use the Website in any way that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website
• Attempt to gain unauthorised access to any part of the Website, accounts, computer systems, or networks connected to the Website
• Use any automated means, including robots, crawlers, or scrapers, to access or collect data from the Website without our express written permission
• Introduce any viruses, malware, or other harmful code to the Website
• Reproduce, duplicate, copy, sell, resell, or otherwise exploit any portion of the Website without our express written permission

4. No Financial Advice

The content on this Website is general information only. It is not intended to be, and should not be construed as, personal financial advice, a recommendation, or an offer to provide any particular financial product or service.

The information provided does not take into account your individual objectives, financial situation, or needs. Before making any financial decisions, you should consider whether the information is appropriate to your circumstances and seek independent professional advice from a qualified financial adviser, accountant, or solicitor.

Any indicative rates, fees, calculations, or loan scenarios presented on this Website (including through any quick quote or calculator tools) are estimates only and are subject to change. They do not constitute an offer or approval of finance. All lending is subject to our standard credit assessment, eligibility criteria, and terms and conditions.

Timeframes for settlement are conditional only and subject to receipt of a fully completed application form, all required documentation, completion of due diligence, satisfactory valuations (if required) and legal assessment. Lending criteria, terms, conditions, fees & charges apply to all finance and loan products.

5. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, icons, photographs, audio and video clips, digital downloads, data compilations, and software, is the property of Private Financial Pty Ltd or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws.

The Private Financial name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Private Financial Pty Ltd. You must not use such marks without our prior written permission.

You may view, download, and print content from the Website for your own personal, non-commercial use, provided that you do not modify the content and that you retain all copyright and other proprietary notices.

6. Privacy

Your use of the Website is also governed by our Privacy Policy, which sets out how we collect, use, and protect your personal information. By using the Website, you consent to the collection and use of your information as described in our Privacy Policy.

7. Third Party Links

The Website may contain links to third-party websites, services, or resources that are not owned or controlled by Private Financial. We provide these links for your convenience only and do not endorse or assume any responsibility for the content, privacy policies, or practices of any third-party websites.

You acknowledge and agree that Private Financial shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any third-party websites.

8. Limitation of Liability

To the maximum extent permitted by Australian law, including the Australian Consumer Law set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth), Private Financial, its directors, employees, agents, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Website
• Errors, inaccuracies, or omissions in the content on the Website
• Loss of data, profits, revenue, or business opportunity arising from your use of the Website
• Unauthorised access to or alteration of your transmissions or data
• Statements or conduct of any third party on the Website

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified by agreement.

9. Indemnification

You agree to indemnify, defend, and hold harmless Private Financial Pty Ltd, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with:

• Your use of the Website or any services obtained through the Website
• Your breach of these Terms
• Your violation of any law or regulation or the rights of any third party
• Any content or information you submit or transmit through the Website

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Victoria, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Victoria and any courts of appeal from them for the purpose of any proceedings arising out of or in connection with these Terms or your use of the Website.

11. Changes to Terms

We reserve the right to modify, amend, or replace these Terms at any time at our sole discretion. Any changes will be effective immediately upon posting to the Website. It is your responsibility to review these Terms periodically for changes. The “Last updated” date at the top of this page indicates when these Terms were last revised.

12. Contact

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

You may also wish to review our Privacy Policy.