Terms & Conditions
Who are we?
‘We’, ‘us’ and ‘our’ refers to MFC (Credit) Pty Ltd trading as My Finance Consultants Australia. My Finance Consultants is a registered trademark of MFC (Credit) Pty Ltd. MFC (Credit) Pty Ltd (Credit Representative 554112) is authorised under Mortgage Specialists Pty Ltd (Australian Credit Licence 387025).
Conditions of use
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions, our Privacy Policy and any other notices or disclaimers contained on our websites. If you do not accept our Terms and Conditions you are not authorised to use our websites.
These are our current Terms and Conditions and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions by publishing the new version on our websites. By accessing any of our websites you are deemed to accept the current Terms and Conditions displayed. We reserve any and all rights not expressly granted in these Terms and Conditions.
Cookies
The information that we collect from you when you interact with us online depends on the tasks you complete on this website. When you visit and browse through the website, we collect general information that is not capable of identifying you for statistical and maintenance purposes that enables us to continually evaluate the performance of this website. This general information includes the number of users visiting this website and the number of pages viewed as well as the path taken through this website.
This information is used to generate aggregated, anonymous information about how you and other users use this website and its features. For instance, we collect information about which pages on this website you visit most often, if you open or read the communications we send, which advertisements you view or interact with on this website or other websites on which our advertisements appear, and if you receive any error messages. The information collected may be used to improve users’ online experience generally, to collate statistics, or customise your online experience by showing you content we think you will like. We do not collect information that identifies you personally; however, if you have a registration account with us, the information collected by us using the cookies may be associated with your registration account.
We also may allow third-party advertisers to place their cookies on your device through their advertisements on this website. The information these third-party cookies collect is used to determine which third-party advertisements to display on this website, how often to display them, and in which locations of this websites the third-party advertisements perform best. These third-party cookies do not collect information that identifies you personally.
Any information, which is not capable of identifying you, is collected through code embedded in the webpages of this website. You cannot disable the code on these pages.
Other information, such as browser type, is included in a ‘cookie’ that is sent to your computer when completing certain tasks on this website. A cookie contains bits of information that enables our servers (i.e. the computers that house this website) to identify and interact efficiently with your computer. Cookies are designed to provide a better, more customised website experience, and to make it easier for you to use this website.
You can configure your browser to either accept all cookies, reject all cookies or to notify you when a cookie is being sent to your computer. The ‘help function’ on your browser will provide you with details on how to change your browser configurations. You will need to accept cookies in order to use some functionality on this website. If you do not wish to receive any cookies you may set your browser to refuse them. However, your use of our website may be affected.
Calculators
Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action.
Internet security risks
There may be security risks in sending information via the internet. You should assess these potential risks when deciding whether to use our online services.
Links to other websites
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites. We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.
Use by persons outside of Australia
Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer. The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia.
Third party software
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.
To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We welcome your feedback or suggestions concerning them.
No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.
We recommend that you seek independent advice before acting upon any of the information on our websites. We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.
You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
Limitation of liability
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise.
Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:
The resupply of the goods or services;
The repair of the goods or services
The payment of the cost of having the goods or services supplied again or repaired.
Copyright and trademarks
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.
You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trademarks owned by us. You must not use any of our trademarks in any way without our prior written consent.
General information
Please note any information provided within our website is of a general nature and/or for illustrative purposes. It does not take into account a person’s objectives, financial situation or needs and is not intended to provide, and should not be relied on for, tax, legal, financial or accounting advice. By accessing our website, you agree that My Finance Consultants will not be liable for any loss incurred due to the use of the information and the material contained within. Access to this website does not imply or create any legal relationship between My Finance Consultants and a person viewing the website.