Terms and Conditions

AskFunding.com.au

Last Updated: November 2025

Agreement to Terms

These Terms and Conditions (“Terms”, “Terms and Conditions”, “Agreement”) govern your use of the askfunding.com.au website (the “Website”, “Service”) operated by AskFunding.com.au (“we”, “us”, “our”).

By accessing or using our Website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you do not have permission to access the Website.

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE.

1. Definitions

For the purposes of these Terms and Conditions:

“Website” refers to askfunding.com.au and all associated pages, content, and services
“We,” “Us,” “Our” refers to AskFunding.com.au and its operators
“You,” “Your,” “User” refers to any person or entity accessing or using the Website
“Content” refers to all text, images, graphics, guides, articles, information, and other materials on the Website
“Third Party” refers to any entity other than you or us, including but not limited to financial institutions, lenders, and service providers
“Australian Law” refers to federal and state laws of the Commonwealth of Australia

2. Acceptance of Terms

2.1 Binding Agreement

By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

2.2 Age Requirement

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old.

2.3 Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

Updating the “Last Updated” date at the top of this page
Posting a notice on the Website
Sending email notifications (if applicable)

Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

3. Description of Service

3.1 Informational Website

AskFunding.com.au is an informational website only. We provide:

Educational guides about business and vehicle financing in Australia
Information about loan types, financing options, and financial products
General information about tax implications and ATO regulations
Articles and resources related to Australian financing

3.2 What We Are NOT

CRITICAL DISCLAIMER:

We are NOT:

A licensed financial advisor or financial services provider
A loan provider, lender, or financial institution
A broker or intermediary for financial products
A provider of personal financial advice
Licensed to provide credit assistance under the National Consumer Credit Protection Act 2009 (Cth)
An Australian Financial Services (AFS) licensee

We do NOT:

Provide personalized financial advice
Recommend specific financial products to individuals
Arrange, facilitate, or provide loans or financing
Accept applications for loans or financial products
Receive commissions from lenders (unless explicitly disclosed)
Guarantee the accuracy of all third-party information

3.3 Information Only

All information on this Website is provided for general informational and educational purposes only. It should not be relied upon as the sole basis for making financial decisions.

4. Disclaimer of Financial Advice

4.1 No Financial Advice

THE INFORMATION ON THIS WEBSITE DOES NOT CONSTITUTE FINANCIAL, LEGAL, TAX, OR PROFESSIONAL ADVICE.

The content on this Website:

Is general information only
Does not consider your personal circumstances, financial situation, or needs
Should not be used as a substitute for professional advice
May not be suitable for your specific situation

4.2 Professional Consultation Required

Before making any financial decisions, you should:

Consult with a licensed financial advisor
Seek independent legal advice where appropriate
Verify information with relevant authorities (e.g., ATO, ASIC)
Conduct your own research and due diligence
Consider your personal financial circumstances

4.3 Tax Information Disclaimer

Tax laws and regulations change frequently. While we strive to provide accurate information about Australian taxation:

Information may become outdated
Tax implications vary by individual circumstances
You should consult a qualified tax professional or the ATO
We are not tax advisors and do not provide tax advice

4.4 No Guarantee of Accuracy

While we make reasonable efforts to ensure information accuracy:

Information may contain errors or omissions
Interest rates, fees, and terms change frequently
Third-party information may be outdated
We do not guarantee the completeness or accuracy of all content
You should verify all information independently

5. Your Use of the Website

5.1 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes.

5.2 Acceptable Use

You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree NOT to:

Prohibited Activities:

Violate any applicable Australian or international laws or regulations
Infringe upon our or any third party’s intellectual property rights
Transmit any harmful, threatening, abusive, harassing, or defamatory material
Use the Website for any fraudulent or illegal purpose
Attempt to gain unauthorized access to the Website or related systems
Interfere with or disrupt the Website or servers
Use automated systems (bots, scrapers, crawlers) without permission
Collect or harvest user information without consent
Impersonate any person or entity
Upload viruses, malware, or other malicious code
Attempt to reverse engineer any aspect of the Website
Remove or modify any copyright or proprietary notices
Use the Website to spam or send unsolicited communications

5.3 Account Responsibilities

If you create an account on our Website (if applicable):

You are responsible for maintaining account confidentiality
You are responsible for all activities under your account
You must notify us immediately of any unauthorized access
You must provide accurate and current information
You may not transfer your account to another person

5.4 Termination of Access

We reserve the right to:

Suspend or terminate your access without notice
Remove any content you submit
Take legal action for violations of these Terms
Report illegal activities to law enforcement

6. Intellectual Property Rights

6.1 Ownership

All content on this Website, including but not limited to:

Text, articles, guides, and blog posts
Graphics, logos, images, and photographs
Website design, layout, and structure
Software, code, and functionality
Trademarks and service marks

is owned by or licensed to AskFunding.com.au and protected by Australian and international copyright, trademark, and other intellectual property laws.

6.2 Copyright Notice

6.3 Limited Use Rights

You may:

View and print individual pages for personal, non-commercial use
Share links to our content on social media
Quote brief excerpts with proper attribution

You may NOT:

Reproduce, duplicate, copy, or republish substantial portions of our content
Sell, rent, or sublicense our content
Use our content for commercial purposes without written permission
Remove copyright notices or attributions
Create derivative works without permission
Use our trademarks without authorization

6.4 User-Submitted Content

If you submit content to our Website (comments, feedback, etc.):

You retain ownership of your content
You grant us a worldwide, royalty-free license to use, reproduce, and display your content
You represent that you have the right to submit the content
We reserve the right to remove any user-submitted content

6.5 DMCA Compliance

If you believe content on our Website infringes your copyright, please contact us with:

Description of the copyrighted work
Location of the infringing material
Your contact information
A statement of good faith belief
Statement under penalty of perjury of ownership

7. Third-Party Links and Content

7.1 Links to Third-Party Websites

Our Website may contain links to third-party websites, including:

Financial institutions and lenders
Government websites (ATO, RBA, ASIC)
Other financial resources and tools
Partner or affiliate websites

7.2 No Endorsement

The inclusion of any link does not imply:

Our endorsement of the third-party website
Any association or affiliation with the third party
Our verification of the third party’s information
Our responsibility for the third party’s content or practices

7.3 Third-Party Disclaimer

We are not responsible for:

The content, accuracy, or opinions expressed on third-party websites
Privacy practices or policies of third-party websites
Products or services offered by third parties
Any damages or losses caused by third-party websites

7.4 Your Responsibility

You acknowledge that:

You access third-party websites at your own risk
You should review the terms and privacy policies of third-party websites
Any transactions with third parties are solely between you and them
We have no liability for third-party products, services, or actions

7.5 Affiliate Relationships

If we have affiliate relationships with any companies mentioned on our Website, we will disclose these relationships. However:

We maintain editorial independence
Affiliate relationships do not influence our content
We strive to provide unbiased information
You should conduct your own research before making decisions

8. Disclaimer of Warranties

8.1 “AS IS” Basis

THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

8.2 No Warranties

TO THE MAXIMUM EXTENT PERMITTED BY AUSTRALIAN LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy, reliability, or completeness of content
Uninterrupted or error-free operation
Freedom from viruses or harmful components
Accuracy of links or third-party information

8.3 Information Accuracy

We do not warrant that:

Information on the Website is accurate, complete, or current
The Website will meet your requirements
Results from using the Website will be accurate or reliable
Defects will be corrected
The Website is compatible with your equipment

8.4 Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer guarantees, warranties, or other rights you may have under the Australian Consumer Law (ACL) or other applicable Australian consumer protection laws that cannot be excluded, restricted, or modified by agreement.

9. Limitation of Liability

9.1 No Liability for Financial Decisions

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM:

Financial decisions made based on information from this Website
Inaccurate, incomplete, or outdated information
Your reliance on content from this Website
Use of or inability to use the Website
Third-party products, services, or websites
Unauthorized access to your information
Errors, mistakes, or inaccuracies in content
Technical problems or downtime

9.2 Types of Damages Excluded

WE SHALL NOT BE LIABLE FOR:

Direct, indirect, incidental, consequential, or punitive damages
Loss of profits, revenue, data, or use
Business interruption
Personal injury or property damage
Financial losses from loans, investments, or financial products
Damages from third-party actions

9.3 Maximum Liability

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE WEBSITE SHALL NOT EXCEED AUD $100 (ONE HUNDRED AUSTRALIAN DOLLARS).

9.4 Australian Consumer Law Savings

Nothing in this section limits our liability for:

Death or personal injury caused by our negligence
Fraud or fraudulent misrepresentation
Any liability that cannot be excluded under Australian law
Breaches of consumer guarantees under the Australian Consumer Law

9.5 Your Acknowledgment

You acknowledge that:

You use the Website at your own risk
You are responsible for your financial decisions
You will seek professional advice before making financial decisions
We have no control over third-party actions or products
Information on the Website may change without notice

10. Indemnification

10.1 Your Indemnity

You agree to indemnify, defend, and hold harmless AskFunding.com.au, its operators, affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

Your use of the Website
Your violation of these Terms
Your violation of any rights of another person or entity
Your violation of any applicable laws or regulations
Content you submit to the Website
Your financial decisions or actions
Your interactions with third parties through the Website

10.2 Our Right to Control Defense

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

11. Privacy and Data Protection

11.1 Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at [link to privacy policy].

11.2 Data Collection

By using the Website, you consent to:

Collection and use of information as described in our Privacy Policy
Use of cookies and similar technologies
Transfer of data as necessary to operate the Website

11.3 Your Responsibilities

You are responsible for:

Maintaining the confidentiality of any account information
All activities under your account
Ensuring your information is accurate and current

12. Governing Law and Jurisdiction

12.1 Australian Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Australia and the laws applicable in [Your State/Territory], without regard to conflict of law principles.

12.2 Jurisdiction

You irrevocably submit to the exclusive jurisdiction of the courts of [Your State/Territory], Australia, and the federal courts of Australia for any disputes arising from or relating to these Terms or your use of the Website.

12.3 Dispute Resolution

Before commencing legal action, the parties agree to:

Attempt to resolve disputes through good faith negotiations
Consider mediation or alternative dispute resolution
Provide written notice of any claim with reasonable detail

12.4 Class Action Waiver

To the extent permitted by law, you agree that:

Any dispute will be resolved on an individual basis
You waive the right to participate in class actions
You waive the right to act as a representative in class proceedings

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding use of the Website and supersede all prior agreements.

13.2 Severability

If any provision of these Terms is found to be unenforceable or invalid under Australian law:

That provision will be limited or eliminated to the minimum extent necessary
The remaining provisions will remain in full force and effect
The invalid provision will be replaced with a valid provision that achieves the original intent

13.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

13.4 Assignment

You may not assign or transfer these Terms or your rights under them without our written consent. We may assign these Terms without restriction.

13.5 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and us.

13.6 Headings

Headings are for convenience only and do not affect interpretation of these Terms.

13.7 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

Natural disasters
War, terrorism, or civil unrest
Government actions or regulations
Internet or telecommunications failures
Acts of God

13.8 Survival

Provisions that by their nature should survive termination shall survive, including:

Intellectual property provisions
Disclaimer of warranties
Limitation of liability
Indemnification
Governing law

14. Contact Information and Notices

14.1 How to Contact Us

For questions about these Terms and Conditions, please contact us through our form.

Response Time: We will respond to inquiries within 7 business days.

14.2 Notices to You

We may provide notices to you by:

Posting on the Website
Email (if you have provided an email address)
Regular mail to any address you have provided

Notices are effective:

Immediately upon posting on the Website
24 hours after email is sent
3 business days after mailing

14.3 Notices to Us

Notices to us must be sent to the contact information above and must include:

Your name and contact information
Subject matter of the notice
Detailed description of the issue
Any supporting documentation

15. Specific Disclaimers

15.1 Loan Approval Disclaimer

We do not guarantee:

Approval for any loan or financial product
Specific interest rates or terms
Eligibility for any financing option
Acceptance by any lender

Loan approval depends on:

Individual creditworthiness
Lender criteria and policies
Current market conditions
Accuracy of application information

15.2 Tax and Legal Disclaimer

Tax and legal information on this Website:

Is general information only
May not apply to your specific situation
May change due to new legislation or rulings
Should not replace professional tax or legal advice

Always consult:

A qualified tax professional
A licensed lawyer for legal matters
The ATO for current tax information
ASIC for financial regulations

15.3 Interest Rate and Fee Disclaimer

Interest rates, fees, and charges mentioned on this Website:

Are examples only and may not be current
Vary by lender, product, and individual circumstances
Change frequently without notice
Should be verified directly with lenders

15.4 Statistics and Data Disclaimer

Statistics and data on this Website:

Are sourced from publicly available information
May become outdated
Are believed to be accurate at time of publication
Should be verified with original sources (RBA, ABS, etc.)

15.5 Product Comparison Disclaimer

When we compare financial products:

Comparisons are for general information only
We may not include all available products
Features and terms change frequently
You should compare products independently
We are not responsible for errors or omissions

16. Important Definitions and Clarifications

16.1 “Information”

When we use the term “information” on this Website, we mean general educational content that:

Does not consider your personal circumstances
Is not tailored to your specific needs
Should not be the sole basis for decisions
Requires independent verification

16.2 “Guide”

Our “guides” are:

Educational resources only
General overviews of topics
Not step-by-step instructions for specific situations
Not substitutes for professional advice

16.3 “May” vs “Will”

“May” indicates possibility, not certainty or guarantee
“Will” indicates general expectation, not a promise or guarantee

16.4 “Typical” or “Average”

References to “typical,” “average,” or similar terms:

Are generalizations only
May not apply to your situation
Are subject to variation
Should not be relied upon as guarantees

17. Specific Use Cases

17.1 Use by Business Owners

If you are a business owner using this Website:

Information is general business financing information
It does not constitute business advice
You should consult business advisors and accountants
Business decisions are your sole responsibility

17.2 Use by Employees

If you are an employee researching salary packaging or novated leases:

Check with your employer about eligibility
Verify tax implications with a tax professional
Confirm your employer’s policies
Understand that tax benefits vary by individual circumstances

17.3 Use by Students or Researchers

If you are using this Website for academic purposes:

Cite our Website appropriately if using our content
Verify information with academic or official sources
Note the date of information
Contact us if you need permission for substantial use

18. Termination

18.1 Termination by You

You may stop using the Website at any time. If you have an account, you may request closure by contacting us.

18.2 Termination by Us

We may terminate or suspend your access to the Website:

Immediately without notice for violations of these Terms
For any reason at our sole discretion
If required by law or regulation
If we cease operations

18.3 Effect of Termination

Upon termination:

Your right to use the Website ceases immediately
We may delete your account and content
Provisions that should survive termination remain in effect
You remain liable for any obligations incurred

19. Regulatory Compliance

19.1 ASIC Compliance

We are not regulated by the Australian Securities and Investments Commission (ASIC) as we do not:

Provide financial product advice
Deal in financial products
Operate as a credit provider or intermediary

19.2 National Credit Code

We do not provide credit assistance as defined in the National Consumer Credit Protection Act 2009 (Cth).

19.3 Australian Financial Services License

We do not hold an Australian Financial Services (AFS) license as we do not provide financial services as defined in the Corporations Act 2001 (Cth).

19.4 Compliance with Laws

We strive to comply with all applicable Australian laws, including but not limited to:

Privacy Act 1988 (Cth)
Australian Consumer Law
Copyright Act 1968 (Cth)
Spam Act 2003 (Cth)

20. Your Acknowledgments

By using this Website, you acknowledge and agree that:

✅ You have read and understood these Terms
✅ You agree to be bound by these Terms
✅ You understand this Website provides information only, not advice
✅ You will seek professional advice before making financial decisions
✅ You are responsible for your own financial decisions
✅ You will not hold us liable for financial losses
✅ You understand information may become outdated
✅ You will verify information independently
✅ You are at least 18 years of age
✅ You will use the Website lawfully and responsibly
✅ You understand we are not financial advisors or lenders
✅ You have reviewed our Privacy Policy

21. Changes and Updates to the Website

21.1 Right to Modify

We reserve the right to:

Modify, suspend, or discontinue the Website at any time
Change content, features, or functionality without notice
Update information to reflect current market conditions
Remove or update outdated information

21.2 No Obligation to Update

While we strive to keep information current, we are not obligated to:

Update all information when changes occur
Notify you of every content change
Maintain historical accuracy of dated information

21.3 Maintenance and Downtime

The Website may be unavailable due to:

Scheduled maintenance
Technical difficulties
Force majeure events
Other reasons beyond our control

We are not liable for any inconvenience or losses from Website unavailability.

Acceptance of These Terms

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THIS WEBSITE.

Quick Reference Summary

✅ DO:

Use the Website for personal, educational purposes
Verify all information independently
Seek professional advice before making financial decisions
Read and understand these Terms
Contact us with questions

❌ DON’T:

Rely solely on our information for financial decisions
Assume information is personalised advice
Use the Website for illegal purposes
Copy or reproduce our content without permission
Hold us liable for your financial decisions

Document Version: 1.0
Last Updated: November 2025
Last Reviewed: November 2025
Next Review Date: November 2026
Governing Law: Australia

END OF TERMS AND CONDITIONS

For questions about these Terms, please contact us at the details provided in Section 14.