Terms of Use

Last Updated: March 21, 2025

Welcome to Finsap. These Terms of Service ("Terms") govern your use of the Finsap website, services, and related content. By accessing or using our website and services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using Finsap’s website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

Changes to Terms:

We may update these Terms periodically. Continued use of our services after changes indicates your acceptance of the modified Terms.

2. Services Description

Finsap is a licensed mortgage broker and property investment consultancy. We offer:

  • Mortgage broking services, including home loans, SMSF lending & mortgage refinancing

  • Buyer's agency services to help clients secure investment properties

  • Investment property loan structuring & advisory services

  • Educational resources on SMSF property investment

Finsap operates as a mortgage broker and does not provide financial planning, tax, or legal advice.

3. Not Financial Advice

Important Disclaimer:

The content provided on our website and services is general in nature and not personal financial advice. While we assist with mortgage broking and investment financing, we do not provide:

  • Financial planning advice

  • Tax advice

  • Legal advice

You should seek independent professional advice before making financial decisions.

4. User Accounts & Registration

4.1 Account Creation

Certain Finsap services may require account registration. You agree to:

  • Provide accurate, current, and complete information

  • Keep your login credentials secure

  • Notify us of unauthorised access to your account

Finsap reserves the right to suspend or terminate accounts that violate these Terms.

5. User Conduct

When using our website and services, you agree NOT to:

  • Violate laws or regulations related to mortgage broking & lending

  • Submit false or misleading financial information

  • Attempt to bypass security measures

  • Engage in fraudulent activity

  • Use Finsap's services for unauthorised investment schemes

Any misuse of our services may result in immediate account suspension and legal action.

6. Intellectual Property

6.1 Ownership

All website content, branding, and materials are owned by Finsap and protected under Australian copyright & intellectual property laws.

6.2 Limited License

Finsap grants you a non-exclusive, non-transferable license to access our website for personal, non-commercial use only. You may NOT:

  • Modify or reproduce our content

  • Use website content for commercial gain

  • Reverse engineer or decompile any Finsap software

7. Third-Party Links & Content

Finsap may link to third-party websites (e.g., banks, lenders, credit agencies). We are not responsible for third-party content, privacy policies, or services.

Use third-party links at your own risk.

8. Warranties & Disclaimers

Finsap provides services on an "as is" and "as available" basis. We make no guarantees that:

  • Our website will be error-free or uninterrupted

  • Loan approvals will be granted by lenders

  • Investment strategies will result in financial gains

We do not provide guarantees on lending approvals or investment returns.

9. Limitation of Liability

To the maximum extent permitted by law:

  • Finsap is not liable for any indirect, incidental, or consequential damages related to mortgage broking or investment services.

  • Finsap’s total liability shall not exceed the amount paid for services in the last 6 months.

You acknowledge that investment & financing decisions carry inherent risks.

10. Indemnification

You agree to indemnify and hold harmless Finsap, its directors, employees, and affiliates from any claims arising from:

  • Your misuse of our services

  • False or misleading financial disclosures

  • Violations of lending laws or third-party agreements

11. Compliance with Mortgage Broking Regulations

National Consumer Credit Protection Act 2009 (NCCP)

Australian Credit License (ACL) regulations

ASIC Responsible Lending Guidelines

Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF) Act 2006

11.1 Client Verification

We are required to verify:

  • Your identity & financial situation

  • Credit history (via Equifax, Experian, or Illion)

  • Loan serviceability (income, expenses, assets & liabilities)

Failure to provide required information may result in service denial.

12. Termination of Services

Finsap reserves the right to:

  • Terminate access if you breach these Terms

  • Suspend services for misrepresentation or fraud

  • Refuse services if compliance obligations are not met

Upon termination, any outstanding obligations remain enforceable.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of New South Wales, Australia.

Legal disputes shall be handled through NSW courts.

Alternative dispute resolution (ADR) may be offered before legal proceedings.

14. Severability

If any part of these Terms is found to be unenforceable, the remaining provisions remain valid.

15. Entire Agreement

These Terms represent the entire agreement between you and Finsap, superseding prior agreements.

16. Contact Information

For questions regarding these Terms, contact us:

Email: [email protected]

Phone: (02) 3814 7789

Address: Level 5, 4 Columbia Crt, Norwest NSW 2153

Copyright FINSAP | Property Investment Specialists 2025. All rights reserved