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Disclaimer
Last updated: [Date]
General Information Only
The information provided on this website and through The Digital Brokerage's services is general in nature and does not take into account your personal financial situation, needs, or objectives. You should consider whether the information is appropriate for your circumstances before acting on it.
This website provides educational content, calculators, and general guidance about home loans and mortgage products. It is not a substitute for professional financial, legal, or tax advice tailored to your specific situation.
Not Financial Advice
The Digital Brokerage Pty Ltd (ABN: [NUMBER], Australian Credit License: [NUMBER]) provides credit assistance services only. We are not financial advisers and do not provide financial planning, investment advice, or recommendations on superannuation, insurance, or other financial products beyond home loans.
Any discussions about your financial circumstances are limited to assessing your suitability for credit products. For comprehensive financial advice, consult a licensed financial adviser.
No Guarantee of Outcomes
We cannot guarantee that:
- You will be approved for a loan
- You will receive a particular interest rate or loan terms
- Calculator results reflect actual loan costs or approval amounts
- Information on this website is complete, current, or error-free
- Our services will result in any specific financial benefit
Loan approval is at the sole discretion of lenders and depends on their assessment of your application, credit history, and current lending policies.
Calculator Accuracy
Our online calculators (borrowing capacity, stamp duty, loan repayments, refinance, purchasing power) provide estimates only. Results are based on:
- Information you input (which we assume is accurate)
- General assumptions about lending criteria and costs
- Current rates and fees that may change without notice
Actual loan terms, repayments, borrowing capacity, and costs will vary based on:
- Lender-specific assessment criteria and policies
- Your complete financial circumstances
- Property type, location, and valuation
- Market conditions at the time of application
- Credit history and employment verification
Always obtain formal pre-approval and loan documentation before making financial commitments.
Third-Party Information
Information about lenders, loan products, interest rates, and fees is sourced from publicly available information and lender disclosures. While we make reasonable efforts to ensure accuracy, this information:
- May change without notice
- May not reflect current offers or promotions
- Should be verified directly with lenders before proceeding
We are not responsible for errors, omissions, or changes made by third parties.
Website Availability and Technical Issues
While we strive to maintain website availability, we do not guarantee:
- Uninterrupted access to our website or calculators
- Error-free operation of website features
- Security against unauthorized access or cyber threats
- Compatibility with all devices or browsers
Use of this website is at your own risk. We are not liable for technical failures, data loss, or security breaches beyond our reasonable control.
External Links
This website may contain links to third-party websites including lenders, government agencies, and service providers. These links are provided for convenience only. We do not:
- Endorse the content or services of linked websites
- Control the availability or content of third-party sites
- Accept responsibility for third-party privacy practices or terms
You access external websites at your own risk.
Regulatory Compliance
The Digital Brokerage operates under Australian Credit License [NUMBER] and complies with the National Consumer Credit Protection Act 2009 (Cth) and related regulations.
Our services are available to Australian residents only. Information on this website relates to Australian lending products and may not be applicable in other jurisdictions.
Changes and Updates
Information on this website may be updated, modified, or removed at any time without notice. We are not obligated to update historical content or calculator assumptions as market conditions change.
Past performance, historical rates, or case studies do not guarantee future results.
Limitation of Liability
To the maximum extent permitted by law, The Digital Brokerage and its directors, employees, and agents are not liable for any loss or damage (including indirect, consequential, or economic loss) arising from:
- Use of or reliance on information provided on this website
- Errors, omissions, or inaccuracies in content or calculator results
- Decisions made based on general information without seeking professional advice
- Loan application outcomes or lender decisions
- Technical failures or unauthorized access to data
Nothing in this disclaimer excludes liability that cannot be excluded under the Australian Consumer Law, including liability for death or personal injury caused by negligence.
Your Responsibility
You are responsible for:
- Verifying information before making financial decisions
- Seeking independent professional advice appropriate to your circumstances
- Reading and understanding all loan documents before signing
- Ensuring information you provide is accurate and complete
- Protecting your login credentials and personal information
Professional Advice Recommended
Before entering into any credit contract, we strongly recommend you:
- Obtain independent legal advice on loan documents and contracts
- Consult a licensed financial adviser about your overall financial strategy
- Speak with a tax professional about tax implications of borrowing or property ownership
- Review your insurance needs with a licensed insurance adviser
Questions or Concerns
If you have questions about this disclaimer or the information provided on our website:
The Digital Brokerage Pty Ltd
Email: loans@thedigitalbrokerage.com.au
Phone: 1800 233 344
Address: [business address]
What needs customizing:
- ABN number
- ACL number
- Business address
- Date
