Disclaimer
Last Updated: March 21, 2025
This disclaimer applies to the Finsap website, its services, and all related materials. Please read it carefully before using our website or engaging with our services.
1. Not Financial Advice
Finsap is a licensed mortgage broking firm, specialising in SMSF lending and property-related finance. We are not financial planners, licensed financial advisers, tax professionals, or legal practitioners.
The content on our website and in our communications is general in nature and should not be considered personal financial advice. We do not hold an Australian Financial Services Licence (AFSL) and are not authorised to provide investment or financial product advice under Australian law.
Before making any financial, tax, or legal decisions—especially relating to Self-Managed Super Funds (SMSFs) or property investment—you should seek advice from a licensed financial adviser, registered tax agent, or legal professional.
2. Mortgage Broking Services
Finsap provides mortgage broking services in accordance with the National Consumer Credit Protection Act 2009 (Cth) and all other applicable regulations. These services include:
Loan product comparisons and application support
SMSF loan structuring and refinancing options
Coordination with lenders on behalf of clients
General information about lending criteria and market availability
3. No Guarantees
While we aim to provide accurate and up-to-date information, Finsap makes no guarantees or warranties, express or implied, about:
Loan approval or interest rates
Investment property performance or rental income
Market conditions or lending policies
SMSF compliance outcomes
Tax effectiveness of any strategies
Outcomes are influenced by lender discretion, borrower eligibility, credit policy, and external market conditions.
All reliance on Finsap content is at your own risk.
4. Investment Risks
Investing in property, especially through an SMSF, carries inherent risks. These include but are not limited to:
Property market fluctuations
Changes in interest rates
SMSF compliance and legal requirements
Liquidity issues and limited diversification
Rental vacancies and property maintenance costs
Past performance is not a reliable indicator of future returns. You should seek qualified professional advice before proceeding.
5. Educational Content
Our guides, videos, and articles are for educational and general information purposes only. They are designed to help clients understand broad concepts but do not account for individual financial circumstances.
Although we make reasonable efforts to keep our materials up-to-date, laws, policies, and lending criteria can change without notice.
6. Third-Party Content and Links
Our website may contain links to external content or third-party websites for convenience. Finsap is not responsible for the accuracy, security, or content of these third-party sites and does not endorse them.
Use of third-party content is at your own discretion.
7. Professional Licensing and Scope
Finsap is a licensed mortgage broking business in Australia. Our brokers are appropriately accredited to provide credit assistance in line with the NCCP Act.
However, we do not provide:
Financial product advice
Retirement planning or investment strategy advice
Personal tax structuring or compliance advice
Legal advice
We recommend working with qualified professionals in each of these areas to meet your personal goals.
8. Limitation of Liability
To the extent permitted by law, Finsap and its directors, officers, employees, agents, and affiliates shall not be liable for any damages, including but not limited to:
Financial losses from reliance on our information
Property or loan performance outcomes
Errors or omissions in educational materials
Inability to access services or website content
Total liability will be limited to the amount paid for our services in the six (6) months prior to any claim.
9. Indemnification
You agree to indemnify and hold harmless Finsap and its team from any claims or damages arising from:
Your use of our services or website
Breach of this disclaimer or misuse of information provided
Non-compliance with legal or regulatory requirements on your part
10. Changes to This Disclaimer
We may update this disclaimer from time to time. The updated version will be posted on our website with a revised “Last Updated” date. Continued use of our website and services indicates your acceptance of any changes.
11. Contact Information
