Terms of Service

Agreement to Terms

By accessing our website or using our services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

About Our Services

AJ Home Loans Gladstone provides mortgage broking and related financial services. We act as an intermediary between you (the borrower) and various lenders. Our services include:

• Assessing your financial situation and borrowing capacity
• Comparing loan products from our panel of lenders
• Recommending suitable loan options
• Submitting loan applications on your behalf
• Assisting with the loan application process

Licensing and Authorisation

We are authorised to provide credit assistance as a Credit Representative. Our services are provided under the National Consumer Credit Protection Act 2009 (Cth).

Details of our Australian Credit Licence and Credit Representative authorisation are available upon request.

General Information Only

The information provided on our website and in general communications is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be relied upon as personal financial advice.

Before making any financial decisions, you should consider whether the information is appropriate for your circumstances and seek independent professional advice if necessary.

No Guarantee of Loan Approval

While we work to find suitable loan options for you, we cannot guarantee:

• That your loan application will be approved
• Specific interest rates or loan terms
• That recommended products will remain available
• Any particular outcome from using our services

Final lending decisions are made by the lender, not by us.

Your Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Notify us of any changes to your circumstances
• Provide requested documentation in a timely manner
• Read all loan documents carefully before signing
• Seek independent advice if you do not understand any aspect of the loan

Providing false or misleading information may result in loan refusal, constitute fraud, and could have legal consequences.

Our Panel of Lenders

We have access to a panel of lenders and loan products. While we endeavour to compare a range of options, we do not compare all products available in the market. Our recommendations are limited to products from lenders on our panel.

Fees and Costs

In most cases, our services are provided at no direct cost to you. We are remunerated by commissions paid by lenders when your loan settles.

If any fees apply to our services, we will disclose these to you in writing before you commit to proceeding. You will also receive a Credit Guide and Credit Proposal Disclosure Document outlining all fees and commissions.

Credit Checks

When submitting a loan application, lenders will conduct credit checks. These checks may affect your credit score. By instructing us to submit an application, you consent to these credit checks being performed.

Conflicts of Interest

We manage conflicts of interest in accordance with regulatory requirements. We are obligated to act in your best interests and recommend suitable products regardless of commission rates. Details of how we manage conflicts are available in our Credit Guide.

Complaints

If you have a complaint about our services, please contact us directly. We have an internal complaints handling process and will respond to your complaint within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA):

• Website: www.afca.org.au
• Phone: 1800 931 678

Website Use

When using our website, you agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with the website's operation
• Transmit harmful code or content
• Scrape or collect data without permission

Intellectual Property

All content on our website, including text, graphics, logos, and images, is our property or licensed to us. You may not reproduce, distribute, or use this content without our written permission.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites. Links are provided for convenience only and do not imply endorsement.

Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from:

• Your use of our services or website
• Any errors or omissions in information provided
• Decisions made based on information we provide
• Lender decisions regarding your application
• Technical issues or interruptions to our services

Nothing in these terms excludes rights you have under the Australian Consumer Law that cannot be excluded.

Indemnity

You agree to indemnify us against any claims, losses, or expenses arising from your breach of these terms, provision of false information, or misuse of our services.

Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the updated terms.

Governing Law

These terms are governed by the laws of Queensland, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Queensland.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Contact Us

If you have questions about these Terms of Service, please contact us:

• Phone: 0409 311 985
• Email: loans@ajhomeloansgladstone.com.au
• Address: 7/30 Tank Street, Gladstone QLD 4680