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Terms & Conditions
Last updated: [Date]
Acceptance of Terms
By accessing and using The Digital Brokerage website (thedigitalbrokerage.com.au) and our services, you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website or services.
Our Services
The Digital Brokerage Pty Ltd (ABN: [NUMBER], Australian Credit License: [NUMBER]) provides mortgage broking services including:
- Home loan comparisons and recommendations
- Loan application preparation and submission
- Ongoing loan management support
- Access to online calculators and educational resources
We act as a credit intermediary between you and our panel of lenders. We do not provide financial advice and our services are limited to credit assistance.
No Financial Advice
The information provided on this website and through our services is general in nature and does not constitute financial, legal, or tax advice. We provide credit assistance services only and recommend you seek independent financial advice tailored to your personal circumstances before making borrowing decisions.
Our calculators provide estimates based on information you input and should not be relied upon as accurate predictions of actual loan costs, borrowing capacity, or approval outcomes. Lender policies, rates, and fees change frequently and final terms may differ from calculator results.
Accuracy of Information
While we strive to ensure information on our website is accurate and current, we make no warranties or representations about the completeness, accuracy, or reliability of content including interest rates, loan features, lender policies, or regulatory requirements.
Loan products, rates, fees, and lender policies are subject to change without notice. Information provided is not an offer or guarantee of credit approval.
Your Obligations
When using our services, you agree to:
- Provide accurate, complete, and truthful information
- Update us promptly if your circumstances change during the application process
- Respond to requests for documentation and information in a timely manner
- Read and understand all loan documents before signing
- Inform us of any concerns or questions before proceeding with a loan application
Providing false or misleading information may result in loan application rejection, legal consequences, and termination of our services.
Lender Panel and Commissions
We work with a panel of lenders and may receive commissions from lenders when your loan settles. These commissions do not increase the cost of your loan and are paid by the lender, not by you.
We are not obligated to recommend products from our entire lender panel and will provide recommendations based on products we reasonably believe suit your needs and objectives from our available options.
You have the right to request information about our lender panel and commission structures before proceeding with an application.
Fees and Charges
Our credit assistance services are typically provided at no cost to you, as we receive commissions from lenders. In some circumstances, we may charge fees for specialized services, which will be clearly disclosed and agreed upon before proceeding.
You remain responsible for all costs associated with your loan including lender fees, valuation fees, legal fees, stamp duty, and other government charges.
Website Use and Intellectual Property
All content on this website including text, graphics, logos, images, and software is the property of The Digital Brokerage or our licensors and is protected by Australian and international copyright laws.
You may view and print content for personal use but may not reproduce, distribute, modify, or create derivative works without our written permission.
Calculator Tools
Online calculators are provided as indicative tools only. Results are estimates based on assumptions and information you provide. Actual loan terms, repayments, and costs will vary based on lender assessment, your complete financial situation, and current market conditions.
Calculator results do not constitute pre-approval or a guarantee of loan approval.
Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or take responsibility for the content, privacy practices, or terms of third-party sites. Use of third-party sites is at your own risk.
Limitation of Liability
To the maximum extent permitted by law, The Digital Brokerage is not liable for any direct, indirect, incidental, or consequential damages arising from:
- Use of our website or services
- Reliance on information provided
- Loan application outcomes or lender decisions
- Technical issues, interruptions, or errors on our website
- Actions of third parties including lenders
Nothing in these terms excludes liability that cannot be excluded under the Australian Consumer Law.
Privacy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in that policy.
Termination
We reserve the right to suspend or terminate your access to our services at any time if you breach these terms or engage in conduct we reasonably believe is harmful to our business, other users, or lenders.
You may cease using our services at any time. If you have an active loan application in progress, please contact us to discuss next steps.
Changes to Terms
We may update these Terms & Conditions at any time. Continued use of our website or services after changes are posted constitutes acceptance of the updated terms. Material changes will be communicated via email or prominent website notice.
Governing Law
These Terms & Conditions are governed by the laws of [State/Territory], Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of [State/Territory].
Contact Us
If you have questions about these Terms & Conditions:
The Digital Brokerage Pty Ltd
Email: loans@thedigitalbrokerage.com.au
Phone: 1800 233 344
Address: [business address]
What needs customizing:
- ABN number
- ACL number
- State/Territory for governing law
- Business address
- Date
