Terms & Conditions

1. Introduction and Acceptance

Welcome to Finance and Beyond. By accessing our website, using our services, or engaging with our financial products, you agree to be bound by these Terms and Conditions ("Terms"). These Terms constitute a legally binding agreement between you and Finance and Beyond.

If you do not agree to these Terms, please do not use our services or access our website.

2. Services Provided

Finance and Beyond provides financial services including, but not limited to:

• Mortgage broking and loan arrangement services.
• Insurance brokerage.
• Investment consultations.

All services are subject to eligibility criteria and the specific terms of the financial products you choose.

3. User Obligations

By using our services, you agree to:

• Provide accurate, current, and complete information during the application process.
• Maintain the confidentiality of your account credentials.
• Notify us immediately of any unauthorized use of your account.
• Use our services only for lawful purposes.

4. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Finance and Beyond or its content suppliers and is protected by Australian and international copyright laws. Unauthorized use of any materials on this site is strictly prohibited.

5. Limitation of Liability

To the maximum extent permitted by law, Finance and Beyond shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• The use or inability to use our services.
• Errors, mistakes, or inaccuracies of content.
• Personal injury or property damage resulting from your access to our services.
• Any unauthorized access to or use of our secure servers and/or any personal information stored therein.

6. Financial Advice Disclaimer

The information provided on this website is general in nature and does not constitute personal financial advice. Before acting on any information, you should consider your own objectives, financial situation, and needs. We recommend seeking professional advice tailored to your circumstances before making any financial decisions.

7. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information in compliance with the Privacy Act 1988 (Cth) and Privacy Act 2020 (NZ).

8. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. Finance and Beyond has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites.

9. Modifications to Terms

Finance and Beyond reserves the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of:

• Victoria, Australia, for users accessing services in Australia.
• New Zealand, for users accessing services in New Zealand.

You submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in these locations.

11. Contact Us

If you have any questions about these Terms, please contact us: