Terms of Service

1. Agreement to Terms

By accessing our website, engaging our services, or providing personal information to Freedom Financing ("we," "our," or "us"), you agree to be bound by these Terms of Service and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing our services. These terms apply to all visitors, users, and others who access or use our services.

2. Our Services

2.1 Finance Broking Services

Freedom Financing provides finance broking services including:

• Home loan and mortgage broking
• Investment property financing
• Personal and car loan assistance
• Business and asset financing
• Insurance product recommendations
• Financial advice and consultation

2.2 Licensing and Compliance

We operate under:

• Australian Credit License (ACL) Number: 384704
• Credit Representative Number: 483911
• Full compliance with National Consumer Credit Protection Act 2009
• Australian Financial Services (AFS) licensing requirements

3. Use of Our Website

3.1 Permitted Use

You may use our website to:

• Learn about our services and expertise
• Use our financial calculators for informational purposes
• Contact us for genuine inquiries
• Submit loan applications and required documentation

3.2 Prohibited Activities

You must not:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Scrape, harvest, or collect user information
• Impersonate Freedom Financing or our representatives
• Submit false or misleading information
• Interfere with the proper working of our website

4. Service Terms and Conditions

4.1 Client Obligations

As our client, you agree to:

• Provide accurate, complete, and truthful information
• Respond promptly to requests for additional documentation
• Notify us immediately of any changes to your circumstances
• Cooperate with lenders and third parties as required
• Pay all applicable fees and charges on time

4.2 Our Obligations

We commit to:

• Act in your best interests when providing credit assistance
• Provide you with our Credit Guide before providing services
• Conduct proper assessment of your requirements and objectives
• Maintain professional standards and qualifications
• Protect your personal information in accordance with privacy laws
• Disclose any conflicts of interest

5. Fees and Charges

5.1 Commission Structure

Our primary income is derived from:

• Upfront commissions paid by lenders upon settlement
• Trail commissions paid by lenders over the life of the loan
• Insurance commissions from insurance products

5.2 Client Fees

In most cases, our services are provided at no direct cost to you. However, we may charge fees for:

• Complex commercial loan applications
• Specialized financial analysis or reports
• Extensive application preparation services
• Third-party costs (valuations, legal fees, etc.)

Important: All fees will be disclosed and agreed upon before services are provided.

6. Disclaimers and Limitations

6.1 No Guarantee of Approval

We cannot guarantee:

• Loan approval from any lender
• Specific interest rates or terms
• Processing timeframes (depends on lenders and circumstances)
• That we can find suitable finance for every application

6.2 Information Accuracy

While we strive for accuracy:

• Website information is general in nature and subject to change
• Calculator results are estimates only
• Interest rates and lending criteria change frequently
• You should verify all information before making decisions

6.3 Third-Party Services

We are not responsible for:

• Actions or decisions of lenders or insurers
• Delays in processing by third parties
• Changes in lending criteria or policies
• Economic factors affecting your application

7. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability to you is limited to the fees paid for our services
• We exclude liability for indirect, consequential, or punitive damages
• We are not liable for losses arising from lender decisions
• Our liability does not extend to third-party actions or omissions
• Nothing in these terms excludes liability for fraud or negligence

8. Intellectual Property

All content on our website, including:

• Text, graphics, logos, and images
• Software and source code
• Calculators and tools
• Design and layout

Is owned by Freedom Financing or our licensors and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy which explains:

• How we collect, use, and protect your information
• Your rights under Australian Privacy Principles
• How we share information with lenders and third parties
• Data security measures we implement

10. Complaints and Disputes

10.1 Internal Dispute Resolution

If you have a complaint:

1. Contact us directly at info@freedomfinancing.com.au
2. We will acknowledge your complaint within 1 business day
3. We aim to resolve complaints within 30 days
4. We will provide you with a written response

10.2 External Dispute Resolution

If you're not satisfied with our response, you can contact:

11. Termination

Either party may terminate our services agreement:

• By providing reasonable written notice
• Immediately for breach of these terms
• If circumstances make it impossible to continue

Upon termination:

• We will complete any work in progress (where practical)
• You remain liable for fees incurred up to termination
• We will return your documents (subject to record-keeping requirements)
• Confidentiality obligations continue

12. Governing Law

These terms are governed by the laws of Victoria, Australia. Any disputes will be subject to the jurisdiction of Victorian courts. However, we encourage resolution through our complaints process or AFCA before considering legal action.

13. Changes to Terms

We may update these terms from time to time. We will notify you of material changes by:

• Posting updated terms on our website
• Sending email notification to active clients
• Providing notice during service interactions

Continued use of our services after changes constitutes acceptance of the new terms.

14. Contact Information

For questions about these Terms of Service, please contact us: