1. Acceptance of Terms

By accessing and using the Your Finance Guide Pty Ltd website (yourfinanceguide.com.au) and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Service Description

Your Finance Guide Pty Ltd is a finance broker, not a lender. We act as an intermediary between you and our panel of lenders. We provide credit assistance services including:

• Comparing finance products from multiple lenders
• Submitting finance applications on your behalf
• Providing general information about finance products
• Offering online calculators and educational resources

We do not guarantee that any finance application will be approved. All finance is subject to credit assessment and lender approval.

3. Rate Accuracy

Interest rates, comparison rates, and fees displayed on this website are indicative only and are subject to change without notice. Rates shown are the lowest available rates and may not be available to all applicants. The actual rate you receive will depend on your individual circumstances, credit history, loan amount, loan term, and lender assessment.

Comparison rates are calculated based on standardised loan amounts and terms as required under the National Credit Code. Different loan amounts, terms, or fee structures may result in different comparison rates.

4. Calculator Disclaimer

Calculator results are estimates only and do not constitute a quote or offer of finance. Actual repayments will depend on your individual circumstances, credit assessment, and lender terms. Fees and charges may apply.

5. No Financial Advice

The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate to your needs, and where appropriate, seek personal advice from a qualified professional.

The content on this website does not constitute personal financial advice. We recommend seeking independent financial, legal, or tax advice before making any financial decisions. Our Credit Guide provides further details about our services and obligations.

6. Limitation of Liability

To the maximum extent permitted by law, Your Finance Guide Pty Ltd and its directors, employees, and agents will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to:

• Any loss or damage arising from reliance on information provided on this website
• Any loss resulting from a lender declining your finance application
• Any errors or inaccuracies in calculator results or rate information
• Any loss arising from unauthorised access to your personal information

Nothing in these terms excludes or limits any rights you may have under the Australian Consumer Law that cannot be excluded or limited by agreement.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, calculators, and software, is the property of Your Finance Guide Pty Ltd or its licensors and is protected by Australian and international copyright and trademark laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party websites. Links to external sites do not constitute an endorsement of those sites or their products. We recommend reviewing the terms and privacy policies of any third-party website you visit.

9. User Conduct

When using our website and services, you agree to:

• Provide accurate and truthful information in all applications and communications
• Not use our website for any unlawful purpose
• Not attempt to interfere with the operation of our website
• Not impersonate any person or entity
• Not submit fraudulent applications or information

10. Governing Law

These Terms of Service are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for the resolution of any disputes arising from these terms or your use of our website and services.

11. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with the updated revision date. Your continued use of our website after changes are posted constitutes acceptance of the revised terms.

Last updated: February 2026

12. Contact Us

If you have any questions about these Terms of Service, please contact us.