To the extent permitted by law, Our Company accepts no liability for any loss or damage (including indirect, special or consequential loss or damage) to any person arising from the use of or reliance upon information contained, in or accessed through, this web-site. If such disclaimer is prohibited by law, Our Company limits its liability (to the extent permitted by law) to the re-supply of such information.

Our Company products and services are only available to Australian residents and Australian law applies to those products and services.

We only lend for commercial business or investment purposes – other than investment by individuals in residential property

The information contained in this website is general only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. You should consider with a professional adviser whether the information is suitable for your circumstances.

Our Company does not accept any liability for information contained in web-sites which may be linked to the web-site. You access those web-sites and utilise them at your own risk.

If you have any questions or wish to clarify the meaning of any of these terms and conditions, please contact Our Company You should review our privacy statement for further information concerning the collection and use of User Information, as this sets out details of use by Our Company of information gathered from this site, and your use of it. You should also read our Disclaimer as this contains important limitations on Our Company liability.

If you object to any of these “Terms and Conditions” (which expression includes the Disclaimer, and any subsequent amendments to this document or the Disclaimer), you should immediately discontinue use of this Site. You must not transmit or attempt to transmit any material of any kind to this Site which contains a virus, malicious computer code or other harmful component or otherwise attempt to alter any of the content on this Site.


Unless otherwise indicated, copyright in the information and images on this Site is owned by Our Company which reserves all rights therein Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, neither this site nor any portion of this site may be reproduced, duplicated, copied, sold, re-sold or otherwise exploited in any form by any process (graphic, electronic or mechanical, including further copying, recording, taping, ‘framing’ or by a storage and information retrieval system) for any purpose that is not expressly permitted by Our Company.

Limitation of Liability

Our Company is in no way liable for any loss, liability, damage, expense or cost whatsoever and including without limitation indirect or consequential loss or damage, loss of profits or business opportunity, and damage to property arising out of your use or your inability to use this site or messages received or transactions entered into through this site, even if Our Company has been advised of the possibility of such damages. If any Act of Parliament implies into the Terms and Conditions any term, condition or warranty, which cannot be excluded, limited or modified, such term, condition or warranty, is deemed to be included in these Terms and Conditions. The liability of Our Company for any breach of such term, condition or warranty is, where permitted, limited at the option of Our Company, to:

  • the supplying of the services again;
  • or the payment of the cost of having the services supplied again

Applicable Law

These terms and conditions are governed by and construed in accordance with the laws of the state of Victoria, (or where ever the company has been formulated) and you agree to submit to the exclusive jurisdiction of the courts of that state.


If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be contrary to law, then such provision(s) shall be deemed not to form part of these Terms and Conditions to the extent of the invalidity, with the other provisions remaining in full force and effect. Our Company failure to exercise or enforce any rights or provisions of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Our Company in writing. Our Company may amend these Terms and Conditions from time to time. Any amendment will be effective immediately.

Your continued use of this Site after any amendment becomes effective constitutes an agreement by you to abide and be bound by these Terms and Conditions, as so amended.

Virus Warning

Warning: Our Company does not represent that any information (including any file) obtained from or through this site is free from computer viruses or other faults or defects. It is your responsibility to scan any such information for computer viruses.


You hereby waive, release, forgive, discharge and relinquish any and all claims that you now have or may have against Our Company, its related bodies corporate, agents and representatives which arise out of or in relation to any transaction in relation to this site.

No Representations

None of Our Company, its related bodies corporate, its officers or employees makes any representation or warranty as to the reliability, accuracy or completeness of the information contained on this site (including in relation to any products or services), and to the fullest extent permitted by applicable law, Our Company disclaims all representations and warranties, not expressly made on or in relation to this site.


Our Company is committed to customer focused, effective and efficient complaint handling, so should you have a complaint about us, or one of our Credit Officers, we need to hear from you. To lodge a complaint please contacts a member of our Professional Standards committee.

To assist us in handling your complaint in a timely, efficient and professional manner, could you please provide:

  • your full name and contact details
  • the full nature of your complaint
  • the name of the service provider/lender and any allocated identifying serial/loan numbers
  • the resolution you are seeking
  • any supporting documentation relevant

Our Professional Standards Committee contact details are:

Phone: 1300792284
Fax: (03) 86773311
Post: Professional Standards Committee
Our Company
PO BOX 2080
Caulfield Junction VIC 3161
Melbourne Victoria

Once your complaint is received we will:

  • provide an acknowledgement within 48 hours
  • complete a full investigation into all matters raised
  • provide a full response within 48 days