Terms And Conditions

1. Introduction

These Terms & Conditions (“Terms”) govern your use of the website, mobile application, and any digital services operated by Believe Finance Pty Ltd (“Believe Finance”, “we”, “our”, “us”).

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you must not use our platform.

2. About Believe Finance

Believe Finance is an Australian financial services platform that provides credit assistance services by helping customers connect with a panel of third-party lenders.

We do not provide credit directly. We assist users in comparing and applying for credit products offered by lenders.

3. Eligibility

You must be:

• At least 18 years of age
• Legally capable of entering into a binding agreement
• Located in Australia or using Australian financial services

You agree that all information you provide is true, complete, and accurate.

4. Nature of Our Services

Our services may include:

• Providing information about credit products
• Assisting you to complete and submit loan applications
• Offering a “Quick Quote” estimate tool
• Facilitating communication with lenders
• Supporting you during the credit application process

Important

We do not:

• Provide loans or credit directly
• Make lending decisions
• Guarantee approval or specific loan terms

5. No Guarantee of Approval

All credit applications are subject to assessment by individual lenders.

Loan approval depends on factors including but not limited to:

• Credit history
• Income and financial position
• Lender policies and credit criteria
• Verification of information provided

6. Quick Quote & Estimates

Any estimates provided through our Quick Quote tool are:

• Indicative only
• Not an offer of credit
• Subject to change without notice

Final loan terms are determined solely by the lender.

7. Fees, Commissions & Remuneration

Believe Finance may receive commissions or fees from lenders when a loan is successfully settled.

These may include:

• Upfront commissions paid by lenders
• Ongoing (trail) commissions over the life of a loan
• Service or brokerage fees (where applicable and disclosed upfront)

You may request details of any remuneration we receive in relation to your application.

8. Use of Our Platform

You agree not to:

• Use the platform for unlawful purposes
• Attempt to interfere with system security or operations
• Submit false or misleading information
• Copy or reproduce platform content without permission

We may restrict or suspend access if misuse is detected.

9. Third-Party Lenders

We work with a panel of third-party lenders, which may include banks and non-bank lenders.

We do not:

• Control lender decisions
• Guarantee loan approvals
• Influence lender policies or pricing

You should review all lender terms carefully before proceeding.

10. Privacy & Data Collection

We collect, use, and disclose personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

Your information may be shared with:

• Lenders
• Credit reporting bodies
• Identity verification providers
• Service providers assisting with your application

Please refer to our Privacy Policy for full details.

11. Credit Reporting

We may access and disclose credit-related information to credit reporting bodies for purposes including:

• Assessing creditworthiness
• Identity verification
• Processing credit applications

You have rights under Australian law to access and correct your credit information.

12. Intellectual Property

All content on this website, including branding, text, tools, graphics, and software, is owned or licensed by Believe Finance.

You must not copy, reproduce, or distribute any content without prior written consent.

13. Limitation of Liability

To the maximum extent permitted by Australian law:

• We are not responsible for lender decisions or outcomes
• We are not liable for financial loss arising from use of our platform
• We do not guarantee uninterrupted or error-free service

Nothing in these Terms excludes rights you may have under the Australian Consumer Law.

14. Australian Consumer Law

Nothing in these Terms limits your rights under the Competition and Consumer Act 2010 (Cth), including guarantees that cannot be excluded under Australian Consumer Law.

15. External Links

Our platform may contain links to third-party websites. We are not responsible for their content, availability, or privacy practices.

16. Security

We take reasonable steps to protect your information using secure systems and encryption.

However, we cannot guarantee absolute security of data transmitted over the internet.

17. Changes to Terms

We may update these Terms at any time.

Updated versions will be published on this page and take effect immediately upon posting.

18. Governing Law

These Terms are governed by the laws of ACT, Australia, and subject to the jurisdiction of Australian courts.

19. Contact Us

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

Believe Finance

Email: support@believefinance.com.au
Phone: 0451256365
Website: www.believefinance.com.au