Terms & Conditions
Welcome to the website of TNL Finance Pty Ltd (ABN 73 660 894 511, ACN 660 894 511, ACL 544666). Your use of our website at https://tnlfinance.com.au/ and any services we provide (together, the “Services”) is subject to these Terms & Conditions (“Terms”).
By using our Website or engaging with us, you accept and agree to be bound by these Terms.
1. Definitions & Interpretation
In these Terms:
“we, us, our” means TNL Finance Pty Ltd.
“you, your” means the user of the Website and/or a client of ours.
“User(s)” refers to any individual or group accessing or using the website, whether collectively or individually,
“Services” means the mortgage broking and credit assistance services we provide.
“Website” means our website (including all web pages, portals, links, downloads) located at https://tnlfinance.com.au/
Headings are for convenience only and do not affect interpretation.
2. Scope of Services
2.1. We are an authorised credit assistance provider under the National Consumer Credit Protection Act 2009 (Cth). We may:
assess your objectives, financial situation and requirements;
recommend suitable loans or credit contracts from a panel of lenders;
assist you with your application and liaise with lenders.
2.2. We do not guarantee the approval of any loan, credit contract or finance product — the ultimate decision rests with the lender and subject to their terms, conditions and credit assessment.
2.3. You acknowledge that:
We do not guarantee the approval of any loan, credit contract or finance product — the ultimate decision rests with the lender and subject to their terms, conditions and credit assessment.
You acknowledge that you must provide full and accurate information; we recommend that you obtain independent legal, accounting or financial advice before acquiring any credit product.
3. Use of website
3.1. Your access to and use of our Website is governed by these Terms and any policies we publish (including Privacy Policy and Cookie Policy).
3.2. You agree to use the Website in compliance with applicable laws; you must not use the Website for any unlawful or prohibited purpose.
3.3. You may link to our Website (e.g., from another website) provided you do so fairly and do not present us in a misleading way; you must not use deep-linking, framing or meta-tagging in a way which implies endorsement without our consent.
4. Intellectual Property
4.1. All content on the Website (including text, graphics, logos, images, software) is owned or licensed by us or our licensors and is protected by intellectual property laws.
4.2. You may view and print pages from the Website for your own personal non-commercial use. You must not otherwise reproduce, modify, distribute, display or exploit any material on the Website without our prior written consent.
5. Fees, Commission and Remuneration
5.1 We will advise you of any fees or charges payable to us, and/or commission or other remuneration that we receive (or may receive) by way of lender as introduced by us.
5.2 Commission from lenders may form part (or all) of our remuneration for providing services. This will not be additional cost to you unless explicitly agreed.
5.3 You agree to pay any fees we set out in our engagement letter or credit proposal.
6. Your Obligations
You warrant that:
You will provide accurate, complete and current information when dealing with us;
You will promptly advise us of any changes to your financial circumstances, objectives or personal details;
You will use reasonable endeavours to respond to our requests for documentation, verification and information.
7. Liability
7.1. To the maximum extent permitted by law, we exclude all liability for any indirect, special, incidental or consequential loss or damage arising from your use of the Website or the Services.
7.2. Our total liability to you in relation to the Services or the Website is limited to the amount paid by you for the Services (if any).
7.3. Nothing in these Terms limits any liability which cannot be excluded under the Australian Consumer Law or other applicable legislation.
8. Disclaimers
8.1. While we endeavour to keep the Website up-to-date and correct, we make no representations, warranties or guarantees (whether express or implied) about the accuracy, completeness or suitability of the Website or its content for any purpose.
8.2. The information provided via the Website or by us does not constitute legal, accounting or financial planning advice. You should seek independent professional advice if required.
9. Privacy and Credit Reporting
We handle your personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). By using our Services you consent to our collection, use and disclosure of personal and credit related information as required to provide our Services and as permitted by law.
Read more at: Credit Guide and Privacy Consent statement
10. Third-Party Links and Services
Our Website may provide links to third-party websites or resources. These links are provided for convenience only and we do not endorse or assume responsibility for any content, products or services on those third-party sites.
11. Termination and Variation
11.1. We may suspend or terminate your access to the Website or our Services at any time, without notice, if we believe you have breached these Terms or for our business reasons.
11.2. We reserve the right to revise or amend these Terms at any time. The updated Terms will be published on the Website and your continued use of the Website or Services after revision constitutes acceptance of those changes.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Victoria, Australia. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia.
13. Severability
If any provision of these Terms is held to be invalid, void or unenforceable for any reason, that provision will be severed and the remaining provisions will continue in full force and effect.
