Website Terms of Use

1. Acceptance of these Terms

By accessing or using this website (the Site), you agree to be bound by these Terms of Use (Terms) and our Privacy Policy and Data Security Policy.

Important notice: If you do not agree with these terms, please do not use the Site. Your continued use constitutes acceptance of all terms and conditions.

Using our website means you accept our terms. It's that simple. These terms protect both your interests and ours by establishing clear expectations for website usage.

We believe in transparent business relationships built on mutual understanding and fair terms.

2. Who We Are

• Edgeview Mortgages Pty Ltd
• Australian Credit Licence: 459287
• ACN: 167 233 712
• Trading as Edgeview Finance

We provide finance and credit assistance services. Information on the Site is general in nature and may not suit your circumstances.

General information only: Content on this site is general information only. See Section 8 (No personal advice) for important disclaimers about financial advice.

We're a licensed, regulated financial services provider. Our Australian Credit Licence 459287 means we're overseen by ASIC for your protection. This gives you confidence that we operate under strict professional standards.

3. Permitted and prohibited use

You must use the Site lawfully and for its intended purpose only.

What you may do

• View, download and print content for personal, non-commercial use.
• Submit enquiries or provide information to request our services.

What you must not do

• Breach any law or infringe rights.
• Copy, modify, or distribute content without consent.
• Introduce malware or attempt unauthorised access.
• Use automated means to access the Site.
• Publish unlawful or harmful content.

We encourage legitimate use of our website for your business needs. These guidelines protect both you and other users by ensuring our website remains secure and valuable for everyone.

The key principle: Use our website fairly and lawfully, just as you would expect others to do.

4. Accounts, forms and online tools

Calculator disclaimer: Outputs from calculators and forms are illustrative only and do not constitute advice, approval or an offer of finance.

If we offer forms, calculators or account features:

• You must provide accurate information and keep any credentials confidential.
• We may suspend or withdraw features at any time.
• All results are estimates only and for information purposes.

Your security responsibility: Keep login credentials confidential and notify us immediately of any unauthorised access.

Our calculators and tools help you explore finance options, but they're starting points, not final answers. Real finance decisions require personal assessment of your specific situation.

Think of them as helpful guides, not binding commitments.

5. Content on this Site

We take reasonable care, but content may not be complete, current or free from error. Content is provided on an “as is” basis.

Information on this site:

• May not be complete or current.
• Could contain errors or omissions.
• Is subject to change without notice.
• Is provided “as is” without warranty.

We may change or remove content without notice to you.

While we strive for accuracy, we cannot guarantee that all information is error-free or up-to-date at all times. Markets change, regulations evolve, and finance products are updated regularly.

Always confirm important details directly with us before making decisions.

6. Third-party links and services

The Site may link to third-party sites or services. We are not responsible for their content, availability or privacy practices. Use third-party resources at your own risk and review their terms and policies.

When we link to external websites or services, you're leaving our secure environment. These third parties have their own policies and practices that we don't control.

We choose our links carefully, but you should always review third-party terms and privacy policies before engaging with external services.

7. Intellectual property

Unless stated otherwise, we (or our licensors) own all intellectual property in the Site. We grant you a limited, non-exclusive, non-transferable licence to access and use the Site for personal, non-commercial purposes.

Copyright notice: All content is protected by copyright. You may not reproduce, publish, adapt or communicate any content without our prior written consent.

You can use our website normally — browsing, reading, printing pages for your own reference. But you can't copy our content for commercial use or republish it without permission.

This protects the value of our content while allowing you reasonable personal use.

8. No personal advice (important)

Not personal advice: Information on the Site is general information only and not personal financial, legal or tax advice. Before acting on any information, consider your objectives, financial situation and needs, and seek professional advice.

Where relevant, obtain and read the applicable Credit Guide or product disclosures from the credit provider.

Our website content educates and informs, but it doesn't replace personal financial advice tailored to your specific circumstances.

Think of our content as educational material that helps you ask better questions when you speak with financial professionals, including our team.

9. Privacy and data security

Your use of the Site is subject to our Privacy Policy and Data Security Policy, which explain how we collect, use and protect personal information.

We may use approved automated tools to operate and secure the Site, but we do not permit client personal information to be used to train third-party general-purpose AI/LLM models.

Your privacy and data security are fundamental rights that we actively protect. Our comprehensive policies explain exactly how we handle your information.

We use technology to improve our services, but never at the expense of your privacy.

10. Availability and changes

We aim to keep the Site available and secure, but do not guarantee continuous, uninterrupted or error-free operation. We may modify, suspend or discontinue any part of the Site at any time without notice.

We work hard to keep our website running smoothly, but like all technology, occasional issues may occur. We have systems in place to minimise disruptions and restore service quickly when needed.

We'll always strive to improve our website experience for you.

11. Liability

Your rights protected: Nothing in these Terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law (ACL) or any liability that cannot be excluded by law.

Subject to the ACL and to the maximum extent permitted by law, we exclude all liability for any loss or damage (including indirect or consequential loss, loss of data or loss of profit) arising from or in connection with your use of, or inability to use, the Site or any linked site.

Your statutory rights under Australian Consumer Law are fully protected. This limitation applies only to additional claims beyond those legal protections.

We comply with all Australian consumer protection laws that safeguard your interests.

12. Indemnity

You indemnify us (and our officers, employees and contractors) against losses, costs and expenses arising from your breach of these Terms or misuse of the Site.

If your use of our website causes problems for us or others, you're responsible for those consequences. This encourages responsible use and protects legitimate users.

Simply put: use our website properly, and this section won't affect you.

13. Security

We implement security controls appropriate to our business and services. However, the internet is not entirely secure. You are responsible for using up-to-date antivirus and for securing your devices and credentials.

Shared security responsibility: Security is most effective when we work together. We protect our systems, and you protect your devices and information.

Website security is a shared responsibility. We invest heavily in protecting our website and your data, but you also play a role in keeping your devices and login information secure.

Together, we create a safer online environment for everyone.

14. Governing law and disputes

Queensland jurisdiction: These Terms are governed by the laws of Queensland, Australia. You submit to the exclusive jurisdiction of the courts of Queensland and the Commonwealth of Australia.

Dispute resolution: Before commencing proceedings, the parties will make good-faith efforts to resolve disputes, including by negotiation or mediation.

We believe in resolving issues through open communication before formal legal processes. Queensland law provides a stable, predictable legal framework for our business relationship.

Most issues can be resolved through honest conversation and mutual understanding.

15. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on the Site with a new effective date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

If we need to update these terms, you'll find the changes here with clear effective dates. Continued use of our website means you accept any updates.

We only make changes when necessary for legal compliance or service improvements.

16. Contact us

Edgeview Mortgages Pty Ltd
Australian Credit Licence: 459287
ACN: 167 233 712
Email: financeteam@edgeviewfinance.com.au
Postal: PO BOX 3208, Helensvale QLD 4212

Questions about these terms are welcome. We believe in transparent communication.

For complex legal matters, consider seeking independent legal advice. We're happy to discuss our terms transparently.

We're here to help you understand our terms. Don't hesitate to contact us if any section needs clarification. Transparency builds trust in business relationships.

Professional legal advice is always available for complex matters, and we support your right to seek independent counsel.