Terms of Service

1. About Car Finance Match

Car Finance Match is an online car finance referral service.

Our website provides general information about car finance and allows you to connect with a trusted finance partner.

Car Finance Match is not a lender, credit provider or financial adviser.

We do not:

• provide loans or other credit;
• approve or decline finance applications;
• provide credit advice;
• provide financial advice;
• determine your eligibility for a loan;
• make lending decisions;
• guarantee finance approval;
• guarantee a particular interest rate, loan amount or finance outcome; or
• compare every loan, lender or finance product available in the Australian market.

2. Using our website

You may use the website for lawful purposes only.

You agree not to:

• use the website for an unlawful purpose;
• provide information that you know to be false or misleading;
• interfere with the operation or security of the website;
• attempt to gain unauthorised access to our systems;
• copy, reproduce or commercially exploit our website or content without permission; or
• use automated systems to access the website in a way that could damage or interfere with its operation.

We may suspend or restrict access to the website where reasonably necessary to protect our website, users or business.

3. General information only

Information published on Car Finance Match is provided for general informational purposes.

It does not take your personal circumstances, financial situation or objectives into account and should not be treated as personal financial or credit advice.

You should consider your own circumstances and seek appropriate professional advice before making financial decisions.

4. Finance referrals

If you select Get Started or another finance-related call to action, you may be directed to a co-branded finance application operated by our trusted finance partner.

The finance application is not operated by Car Finance Match.

Any information you provide through that application is collected and handled by the relevant finance partner in accordance with its privacy policy, terms and applicable legal requirements.

Car Finance Match does not assess your finance application or make any decision regarding your application.

5. Finance applications

Any finance application you complete through a finance partner is a separate transaction between you, the relevant finance provider or intermediary and any other parties involved in the application.

Any application is subject to:

• the relevant lender's lending criteria;
• assessment and approval;
• applicable fees and charges;
• interest rates;
• loan terms and conditions; and
• any other requirements imposed by the relevant lender.

Submitting an application does not guarantee approval.

Car Finance Match makes no representation or warranty regarding the outcome of any finance application.

6. Finance products and lenders

Car Finance Match does not represent that all finance products or lenders available in Australia are available through our finance partners.

The finance options available to you will depend on the finance partner, its lender panel and the relevant lender's eligibility and lending criteria.

The service does not compare every loan, lender or finance product available in the market.

7. Referral commissions

Car Finance Match is free for consumers to use.

Where a customer referred through Car Finance Match successfully obtains and settles finance, Car Finance Match may receive a commission from the relevant lender.

This commission is paid by the lender and does not result in an additional fee payable by you.

The payment of a referral commission does not guarantee that any particular finance product will be offered or approved.

8. Third-party services and websites

Our website may contain links, buttons or other mechanisms that direct you to third-party websites or services, including finance partners.

These websites and services are operated independently of Car Finance Match.

Once you leave the Car Finance Match website, your use of the third-party website is governed by that provider's own terms, privacy policy and other applicable policies.

We do not control and are not responsible for:

• third-party websites;
• third-party services;
• finance applications;
• lender decisions;
• finance products;
• interest rates;
• fees or charges; or
• the conduct of third-party providers.

9. Privacy

Your privacy is important to us.

Our Privacy Policy explains how we collect, use and protect personal information obtained through the Car Finance Match website.

Car Finance Match does not collect or store the financial information you enter into a finance application operated by our finance partner.

Information submitted directly to a finance partner is handled in accordance with that partner's privacy policy and collection notice.

10. Accuracy of information

We aim to ensure that information published on our website is accurate and up to date.

However, information may change and we do not warrant that all information is complete, accurate, current or error-free.

This includes information relating to:

• finance products;
• interest rates;
• loan terms;
• lenders;
• eligibility criteria;
• repayment examples; and
• calculators or other estimates.

Any calculator or estimate provided on the website is for general informational purposes only and should not be relied upon as an indication that you will qualify for a particular loan.

11. Intellectual property

Unless otherwise stated, all content on the Car Finance Match website, including:

• text;
• logos;
• branding;
• graphics;
• photographs;
• design elements;
• software;
• page layouts; and
• other materials

is owned by or licensed to Onpoint Media Group Pty Ltd.

You may access and use the website for your personal, non-commercial purposes.

You must not reproduce, modify, distribute, publish or commercially exploit our content without our prior written permission.

12. Website availability

We do not guarantee that the Car Finance Match website will:

• always be available;
• operate without interruption;
• be free from errors;
• be free from viruses or other harmful components; or
• be compatible with every device or browser.

We may modify, suspend or discontinue any part of the website at any time.

13. Third-party information

Where our website contains information, links or content provided by third parties, we do not necessarily endorse or guarantee that information.

You should independently consider information provided by third parties before relying upon it.

14. Limitation of liability

To the maximum extent permitted by law, Car Finance Match and Onpoint Media Group Pty Ltd are not responsible for any loss, damage, cost or expense arising from:

• your use of the website;
• your reliance on information published on the website;
• a finance application;
• a lender's decision;
• a finance partner's conduct;
• the rejection of a finance application;
• the terms of a finance product;
• interest rates, fees or charges;
• interruption or unavailability of the website; or
• your use of a third-party website or service.

Nothing in these Terms excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded, restricted or modified under Australian law, including rights under the Australian Consumer Law.

Where the law implies a condition, warranty or guarantee that cannot be excluded, our liability is limited to the extent permitted by law.

15. Indemnity

To the extent permitted by law, you agree to indemnify Car Finance Match and Onpoint Media Group Pty Ltd against losses, liabilities, claims, costs and expenses arising from your:

• breach of these Terms;
• misuse of the website; or
• unlawful or fraudulent use of the website.

This clause does not apply to the extent that the loss or liability was caused by our own negligence, unlawful conduct or breach of a non-excludable legal obligation.

16. Changes to these Terms

We may update these Terms from time to time.

The updated version will be published on this website and will take effect from the date it is published unless otherwise stated.

Your continued use of the website after the Terms have been updated constitutes acceptance of the updated Terms.

17. Governing law

These Terms are governed by the laws of Victoria, Australia.

You agree to submit to the jurisdiction of the courts of Victoria and applicable Australian courts.

18. Contact

If you have any questions about these Terms or Car Finance Match, contact:

Onpoint Media Group Pty Ltd
Operator of Car Finance Match

Email: [INSERT EMAIL]

Phone: [INSERT PHONE]

Website: [INSERT WEBSITE]