Terms of Use

1. Acceptance of Terms

By accessing or using the loan-o website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use this website or our services.

These terms apply to all visitors, users and others who access or use the loan-o website (loan-o.com.au) and any services we provide.

2. Website Purpose and Use

loan-o.com.au is operated by B.K Brokers Pty Ltd ABN 40 669 144 218 (loan-o), a Credit Representative 550800 of Platform Auto Finance Pty Ltd, Australian Credit Licence 444332.

Our website provides:

• information about our credit assistance services
• loan calculators and financial tools
• an online application form for credit assistance
• general information about finance products and market conditions
• blog articles, guides and educational resources

Access to some sections of our website may be restricted and may require registration or authentication.

3. General Information Disclaimer

The information provided on this website is general in nature only. It does not take into account your individual objectives, financial situation or needs. Before making any financial decision, you should consider your own circumstances and seek appropriate professional advice.

We do not guarantee the accuracy, completeness or timeliness of any information on this website. Any reliance you place on such information is strictly at your own risk. We disclaim all liability for direct or indirect loss or damage arising from your use of, or reliance upon, any information or content on this website.

4. No Financial Advice

Nothing on this website constitutes financial advice, personal financial advice, personal credit advice or a recommendation to enter into any financial product or contract.

While our brokers provide credit assistance, general information on this website does not constitute personalised advice. If you proceed with an application, our brokers will provide a Statement of Advice (SOA) or Financial Services Guide (FSG) as required by law.

You should not rely on information on this website to make financial decisions without seeking independent professional advice.

5. Eligibility and User Responsibilities

By using this website or applying for credit assistance through loan-o, you represent that:

• you are at least 18 years of age
• you are an Australian resident or authorised to conduct business in Australia
• you have the legal capacity to enter into a contract
• all information you provide is accurate, truthful and not misleading
• you are not subject to any legal prohibition on accessing our services

You are responsible for maintaining the confidentiality of any login credentials, passwords or account information you create. You agree to notify us immediately of any unauthorised use of your account.

6. Accuracy of Information

/* TODO: Legal review required */ You agree that any information you provide to loan-o during an application or enquiry must be accurate, complete and not misleading. This includes:

• personal and identity information
• financial information, including income and expenses
• business information, ABN, ACN or trading history
• details of existing debts or liabilities
• documents and supporting evidence

Providing false, misleading or incomplete information may result in:

• rejection of your application
• termination of our services to you
• legal action under Australian law

7. Third-Party Websites and Services

/* TODO: Legal review required */ Our website may contain links to third-party websites and services operated by other organisations. These may include:

• lenders and credit providers
• financial comparison and information websites
• government and regulatory websites
• social media and review platforms

We are not responsible for the content, accuracy, policies or practices of third-party websites. Your use of third-party services is governed by their own terms and privacy policies.

We do not endorse or guarantee any third-party products or services. Any decisions made based on information from third-party sites are at your own risk.

8. Intellectual Property

/* TODO: Legal review required */ All content on this website, including text, graphics, logos, images, videos, software and other materials, is the property of loan-o or its content suppliers and is protected by Australian copyright and intellectual property laws.

You may view and print pages for personal, non-commercial use only. You must not:

• copy, modify or adapt any content without permission
• reproduce, distribute or publish any content
• use our content for commercial purposes
• remove or alter any copyright, trademark or proprietary notices
• use our logos, images or branding without authorisation

9. Prohibited Use

/* TODO: Legal review required */ You must not use this website for any unlawful or prohibited purpose, including:

• fraudulent, deceptive or misleading conduct
• harassment, threats or abusive behaviour
• hacking, unauthorised access or interference with systems
• distribution of malware, viruses or harmful code
• spam, phishing or social engineering attacks
• money laundering or financing of terrorism
• violation of any applicable law or regulation
• infringement of third-party rights

Breach of these prohibitions may result in immediate termination of your access and referral to law enforcement.

10. Limitation of Liability

/* TODO: Legal review required */ To the maximum extent permitted by law, loan-o excludes all liability (including indirect, consequential and loss of profits) arising from:

• use of or reliance on this website or its content
• any information provided by loan-o
• any application or transaction conducted through this website
• any third-party services or content linked from this website
• any technical failures, viruses or security breaches
• any delay or failure in providing services

This exclusion does not limit any liability that cannot be excluded under the Australian Consumer Law or other mandatory legislation.

11. Privacy

Your use of this website is also governed by our Privacy Policy. Please read our Privacy Policy to understand our information handling practices.

12. Changes to Website and Terms

/* TODO: Legal review required */ We reserve the right to modify this website, any services, and these terms at any time without notice. Your continued use of this website after changes indicates your acceptance of the modified terms.

For significant changes, we will notify users where practical. The "Last updated" date at the top of this page indicates the most recent modification.

13. Governing Law and Dispute Resolution

/* TODO: Legal review required */ These terms are governed by the laws of Queensland, Australia. You submit to the exclusive jurisdiction of the courts of Queensland.

If you have a complaint about our services, please contact:

[email protected]

For credit-related complaints, you may also contact AFCA (Australian Financial Complaints Authority). For full dispute resolution terms, see our Credit Guide.

14. Severability

If any provision of these terms is found to be invalid or unenforceable, that provision will be severed and the remaining terms will continue in full force and effect.

15. Contact and Questions

If you have questions about these Terms of Use or our website, contact us:

B.K Brokers Pty Ltd trading as loan-o
Suite 1.01, 303 Coronation Drive, Milton QLD 4064
[email protected]
1300 156 266