Terms & Conditions

Terms and Conditions of Use

Welcome to Capital Connections Finance. These Terms and Conditions (“Terms”) outline the rules and guidelines for using our website and the services we provide. By accessing, browsing, or using our website, you agree to these Terms. If you do not agree with any part of these Terms, please stop using our website immediately.

1. Services We Provide

Capital Connections Finance acts as a finance broker, helping you find and apply for home loans, mortgage products, and other types of financing. Our services include:

• Providing you with information on available credit contracts, loan products, and finance options.
• Assisting you with the application process by introducing you to lenders and facilitating offers.

Important Note:
We are not licensed to provide legal or financial advice regarding the suitability of a specific loan for your needs. We recommend that you seek independent advice from qualified professionals, such as lawyers or financial advisors, before entering into any loan agreements.

2. Who Can Use This Website

These Terms apply to all users of our website, whether you are located in Australia or any other region. By using this website, you agree to comply with these Terms, regardless of where you are accessing it from.

3. Fees for Our Services

For most types of loans, we do not charge you directly. We receive payment (commissions) from the lender for arranging the loan. However, in certain cases, such as commercial loans or short-term loans, we may charge you a brokerage fee.

We Will Always Disclose Fees:
If we charge any fees, we will let you know upfront before proceeding with any services.
If we are unable to secure a loan approval for you, any brokerage fees you’ve paid will be refunded.

4. Limitation of Liability

While we strive to offer the best service, we cannot guarantee the success of any loan application. This means that we are not responsible for:

• Any decisions made by lenders regarding your loan application.
• Any financial loss or damage you may suffer as a result of using the information or services on our website.

Our maximum liability to you will be limited to the amount of any brokerage fees you have paid to us, if applicable. This does not limit any rights you may have under Australian consumer protection laws.

5. Intellectual Property Rights

All content, including text, images, and software on this website, is owned or licensed by Capital Connections Finance.
You are not allowed to copy, reproduce, or republish any content from our website for commercial purposes without our express written permission, except in the following case:

• Educational Use: Students may use and republish our content for educational purposes only, as long as they credit the source and provide a visible link to our website.

6. Privacy and Data Collection

Personal Information:
When you use our website or apply for a loan, we collect personal information to help us provide our brokering services to you. This includes your name, contact details, and financial information.

Cookies and Analytics Data:
We also use cookies and analytics tools to collect information about how you interact with our website. This data helps us improve our services and tailor our website to meet your needs.

Sharing of Information:
We may share your information with:

• Lenders and financial institutions.
• Credit reporting agencies.
• Third-party service providers (such as mailing houses, legal advisors, and debt collectors).
• Government agencies when required by law.

For more detailed information, please refer to our Privacy Policy.

7. Updates to Terms and Conditions

We may update these Terms from time to time to reflect changes in our services, the law, or industry standards.
When significant changes are made, we will notify you either through a notice on our website or by email. By continuing to use our website after such updates, you agree to the revised Terms.

8. Resolving Complaints and Disputes

We value your feedback and are committed to resolving any complaints you may have about our services. You can contact our Broker Team Manager at the details provided on our website.

If we cannot resolve your complaint, you may refer it to the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme.

Mediation or Arbitration:
Before taking legal action, both you and we agree to attempt to resolve any disputes through mediation or arbitration. This process can help avoid the need to escalate the matter to court. If arbitration is unsuccessful, legal action may then be pursued.

9. Information Accuracy

We regularly update the content on our website to ensure it is accurate and reflects current policies, loan products, and pricing. However, we do not guarantee that all information is current at all times.
Loan terms and product availability may change without notice. We are not responsible for any loss or inconvenience caused by reliance on outdated information.

10. Conduct on Our Website

We expect all users to behave responsibly and lawfully while using our website. You are prohibited from:

• Posting harmful, defamatory, or unlawful content.
• Harassing other users or our staff through the comments section.

We reserve the right to remove any inappropriate content and ban offending users from accessing our website.

11. Use of Mortgage Calculators

Our mortgage calculators are designed to provide estimated figures based on the information you enter. However, the results are not a guarantee of loan approval. The final decision on any loan application will depend on the lender’s assessment of your financial situation.

12. Governing Law

These Terms and your use of our website are governed by the laws of South Australia. Any legal disputes will be handled in the courts of South Australia.

13. Copyright and Content Use

All content on this website is the property of Capital Connections Finance, unless otherwise stated. Unauthorized use of our content is strictly prohibited. However, you may quote or republish our content if:

• You clearly credit Capital Connections Finance as the source.
• You provide a visible link back to the relevant page on our website.

If you republish our content in violation of these rules, we reserve the right to take legal action, including seeking an injunction to remove the content from your website.

Contact Us:
If you have any questions or concerns about these Terms, please contact us at:
Capital Connections Finance
18 Pembroke Avenue, Netley 5037 SA
Phone: +61 450 007 108 / +61 482 059 847
Email: admin@capitalconnections.com.au