Terms of use

About this website

This website provides general information about Gifted Loans and lending services available for residential, commercial and business purposes in Australia. It also allows you to contact us and request a consultation.

General information only

Website content is general in nature. It does not take into account your objectives, financial situation, needs, legal position or tax circumstances and is not a recommendation to enter into a particular loan or transaction.

You should not act solely on website content. Obtain advice appropriate to your circumstances and review all lender documents before making a decision. Legal, tax, accounting and financial planning matters should be discussed with suitably qualified advisers.

No loan approval or guarantee

Submitting an enquiry does not create a client relationship, constitute a credit application or guarantee that finance will be available. Loan approval, interest rates, fees, valuations, timeframes and conditions are determined by the lender and may change.

Any examples, indicative outcomes or descriptions of lending options are subject to full assessment and lender criteria.

Your enquiries and information

You must provide information that is accurate, complete and not misleading. Please do not submit another person's personal information without authority. Do not use the general enquiry form to send passwords, banking credentials or highly sensitive identification documents.

We may contact you using the telephone number or email address you provide for the purpose of responding to your enquiry. Submission and handling of personal information is also governed by our Privacy policy.

Acceptable use

You must not use this website:

• for an unlawful, fraudulent, misleading or abusive purpose;
• to interfere with the website, its security or another person's use;
• to introduce malicious code or attempt unauthorised access;
• to collect information from the website using automated means without permission; or
• to reproduce or commercially exploit website content except as permitted by law or with written consent.

Accuracy and availability

We aim to keep website information clear and current, but information can become outdated and may contain errors or omissions. We do not warrant that the website will always be available, uninterrupted, secure or free from defects. We may change, suspend or withdraw content or functionality without notice.

Third-party websites and services

This website may link to third-party websites or use third-party hosting, email and technology services. Links are provided for convenience and do not mean that Gifted Loans controls or endorses all third-party content. Third-party services are governed by their own terms and privacy practices.

Intellectual property

Unless otherwise stated, the website design, branding, written content and other original material are owned by or licensed to Gifted Loans and are protected by intellectual property laws. You may view and print content for your personal, non-commercial use. Other reproduction, adaptation or distribution requires prior written permission, except where permitted by law.

Liability

Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded, including under the Australian Consumer Law.

To the extent permitted by law, Gifted Loans is not liable for loss arising solely from reliance on general website content, temporary website unavailability, third-party content, or unauthorised access beyond our reasonable control. Where liability cannot be excluded but can lawfully be limited, it is limited to the extent permitted by law.

Changes to these terms

We may update these terms to reflect changes to the website, services or law. The current version and update date will appear on this page. Continued use after an update means you accept the revised terms.

Governing law

These terms are governed by the laws of Victoria, Australia and applicable Commonwealth laws. You submit to the non-exclusive jurisdiction of the courts of Victoria and courts entitled to hear appeals from them.

Contact

For questions about this website or these terms, contact Gifted Loans using the details in the website footer.