1. About This Website

This website is operated by Hunter Galloway (ABN 20 605 252 926, Credit Representative 476903, authorised under Australian Credit Licence 389328). By using this website, you agree to these terms and conditions.

2. General Information Only

The information on this website is general in nature and does not constitute personal financial advice, credit advice, or a recommendation. It does not take into account your personal objectives, financial situation or needs. You should consider your own circumstances and seek independent professional advice before making any financial decisions.

3. No Guarantee of Loan Approval

Nothing on this website constitutes a guarantee or promise of loan approval, specific interest rates, or loan amounts. All lending is subject to individual lender assessment criteria and approval processes. Any indication of borrowing capacity or loan amounts provided through this website (including via calculators) is an estimate only.

4. Calculator Limitations

Any calculators on this website provide estimates only based on the inputs you provide and simplified assumptions. They do not account for all lender criteria, fees, charges, or your complete financial circumstances. Calculator results should not be relied upon as an indication of actual borrowing capacity, loan repayments, or eligibility for any particular product. The results should not be taken as a substitute for professional advice.

5. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on those websites. The inclusion of any link does not imply endorsement by Hunter Galloway.

6. Intellectual Property

All content on this website, including text, images, graphics, logos, and design elements, is the property of Hunter Galloway or its licensors and is protected by Australian intellectual property laws. You may not reproduce, distribute, or use any content from this website without our prior written consent.

7. Limitation of Liability

To the maximum extent permitted by law, Hunter Galloway will not be liable for any loss or damage arising from your use of this website or reliance on any information provided on it. This includes, but is not limited to, any direct, indirect, incidental, or consequential loss or damage.

8. Privacy

Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of your information as described in our Privacy Policy.

9. Credit Guide

Under the National Consumer Credit Protection Act 2009, we are required to provide you with a Credit Guide before providing credit assistance. You can access our Credit Guide here.

10. Dispute Resolution

If you have a complaint about our services, please contact us at [email protected] or call 0481 607 388. We will endeavour to resolve your complaint within 30 days.

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

Phone: 1800 931 678 (free call)
Email: [email protected]
Website: www.afca.org.au

11. Governing Law

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

12. Changes to These Terms

We may update these terms and conditions from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of this website after any changes constitutes acceptance of the updated terms.