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Terms of Use

Introduction

This website at www.onlinehomeloans.com.au (“Website”) is operated by Online Home Loans .com.au Pty Ltd is a trading name of Your Mortgage Solutions Australia Pty Ltd ABN 97 609 954 145. Your Mortgage Solutions Australia Pty Ltd ABN 97 609 954 145 is an Authorised Corporate Credit Representative (Credit Rep Number 508654) of Beagle Finance Pty Ltd t/as Loankit Australia Credit Licence no 383640 ABN 31 140 290 268. The Website compares loan options.

The information contained in this Website has been prepared without taking into account your objectives, financial situation or particular needs and should not be taken as financial advice. All comparisons are prepared by Online Home Loans. Online Home Loans and/or any related companies will not be held responsible for the merits of this information to your circumstances.

Before acting on the information and guidance provided by Online Home Loans, you should evaluate your own individual needs, objectives and situation and which products are suitable.

Acceptance of Terms

These terms govern your use of the Website. The other terms and conditions contained in the Privacy Policy and on the Website also form part of Online Home Loans’ agreement with you (Terms). Please read them carefully before proceeding. If you do not agree to these Terms, you must not use or access the Website.

If you do not wish to not to receive direct marketing communications from Online Home Loans, please do not use this Website.

Your use of and access to the Website is conditional upon your acceptance and compliance with these Terms. Your use of and access to the Website constitutes your agreement to be bound by these Terms. From time to time, Online Home Loans may change these Terms, without notice. Any subsequent use of or access to the Website by you will mean that you have accepted the changes to these Terms.

These Terms are intended to be for the benefit of each of Online Home Loans, its related bodies corporate and their respective personnel.

The pricing on this site is provided by third parties and is displayed in Australian dollars (AUD). The amounts are subject to change with price revisions and do not include any further amount that may be applied, such as Lenders Mortgage Insurance.

The Website provides an information service to obtain quotes and compare certain products and services on the basis of particular criteria you may select including brand and price. The products and services quoted and compared are not representative of all the products and services available in the market. At times, not all brands may be available.

Consent to electronic marketing

For the purposes of the Spam Act 2003 (as applicable) by submitting your email address to the Website, you give your consent to be contacted by email on that email address by Online Home Loans, any of its related bodies corporate and any of its associated affiliates. Your consent will be deemed to be express consent and will continue until such time as you withdraw that consent.

Do Not Call Register: Consent

For the purposes of the Do Not Call Register Act 2006 (if it applies) by submitting your telephone number to the Website, you give your consent to be contacted by telephone on that number by either Online Home Loans, any of its related bodies corporate and any of its associated affiliates. Your consent will be deemed to be inferred consent and will continue until such time as you withdraw that consent.

Commissions

Online Home Loans may receive a commission payment from participating finance providers or other brokers for the services provided by Online Home Loans on this Website, only when a credit contract is approved and settles. Online Home Loans may also receive payment from other providers if your details have been referred to them in accordance with these Terms.

Commission payable by us

We source referrals from a broad range of sources. For example, we may pay fees to call centre companies, real estate agents, accountants, or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practices. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.

Intellectual Property

All the information, graphics and material (together called “Website Material”) displayed on or available on the Website, and all the underlying source code and software, is owned or used under license by Online Home Loans, except where expressly stated in these Website T&Cs. Online Home Loan’s Site Material and any intellectual property which vests in the Site Material and Content is protected by copyright, trademark and other intellectual property laws. You agree not to do anything that would infringe Online Home Loan’s intellectual property rights in the Site Material and Content.

Online Home Loans .com.au Pty Ltd is a trading name of Your Mortgage Solutions Australia Pty Ltd ABN 97 609 954 145. Your Mortgage Solutions Australia Pty Ltd ABN 97 609 954 145 is an Authorised Corporate Credit Representative (Credit Rep Number 508654) of Beagle Finance Pty Ltd t/as Loankit Australia Credit Licence no 383640 ABN 31 140 290 268.

Reference on the Site to any products, services, branding, offers or other information, by trade name, trademark or otherwise does not constitute or imply endorsement, sponsorship or recommendation by Online Home Loans and does not constitute or imply endorsement, sponsorship or recommendation of Online Home Loans or its respective directors, affiliates or employees by the respective trademark owner. Online Home Loans is not owned by, or affiliated with, any of the Suppliers mentioned on this website.

Limitations

In no event shall Online Home Loans or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Website, even if Online Home Loans or an authorised representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Jurisdiction

These Terms are governed by the laws in force in Victoria, Australia and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Victoria, Australia and any courts which may hear appeals from those courts.

General Disclaimer Information

This site contains information, data, documents, pages and images prepared by Online Home Loans (Information) for and on behalf of the Website. Whilst the Information contained in this Website has been presented with all due care, the Website does not and Online Home Loans does not warrant or represent that the Information is free from errors or omission.

Accuracy of information

Whilst the Information is considered to be true and correct at the date of publication, changes will occur and changes in circumstances after the time of publication may impact on the accuracy of the Information, and therefore the Information should not be relied upon. The Information may change without notice and the Website is not and Online Home Loans is not in any way liable for the accuracy of any Information printed and stored or in any way interpreted and used by a user.

Links To Third-Party Sites

The Information contained in this Website includes information derived from various third parties and does not necessarily directly reflect any policies, procedures, standard or guidelines of the Website.

The Website and Online Home Loans take no responsibility for the accuracy, currency, reliability and correctness of any information included in the Information provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including internet sites) outside of this Website.

Links to other internet sites are not under the control of the Website and are provided for information only. Care has been taken in providing these links as suitable reference resources. However, due to the changing nature of the internet content, it is the responsibility of the users to make their own investigations, decisions, enquiries about the information retrieved from other internet sites.