Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Ballarat Mortgage Broker ("we", "our", "us") governing your access to and use of the website located at https://ballaratmortgagebroker.com.au and any related services we provide.

By accessing or using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Service Description

2.1 Referral Service

Ballarat Mortgage Broker operates a lead referral service. We connect borrowers with licensed mortgage brokers and finance professionals in our network who service Ballarat and regional Victoria. We do not directly provide credit, credit advice, or finance products.

2.2 No Guarantee of Outcome

Submitting an enquiry does not guarantee that a loan or finance product will be offered or approved. Loan approval, pricing, and terms are determined by the lender and the broker you are connected with.

2.3 Availability

We strive to keep our website available at all times but do not guarantee uninterrupted access. We may suspend or restrict availability for business or operational reasons.

3. General Information Disclaimer

Information on this site has not been prepared with regard to your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your circumstances and, where appropriate, seek advice from a licensed mortgage broker or financial adviser.

All network partners hold appropriate Australian credit licences or are authorised credit representatives.

4. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Be a resident of Australia or otherwise eligible to apply for Australian finance

5. User Obligations

5.1 Accurate Information

You agree to provide accurate, current, and complete information when submitting enquiries. Providing false information may delay or prevent our ability to refer you to a suitable broker.

5.2 Prohibited Uses

You agree not to use our website to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others, including intellectual property rights
• Transmit harmful, threatening, abusive, or otherwise objectionable content
• Attempt to gain unauthorised access to our systems
• Interfere with the operation of our website
• Use automated systems to harvest data without written permission
• Impersonate any person or entity
• Send unsolicited communications or spam

6. Intellectual Property

6.1 Our Content

All content on our website, including text, graphics, logos, images, and compilations thereof, is the property of Ballarat Mortgage Broker or our licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.

6.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to access our website for personal, non-commercial purposes. You may not modify, reproduce, distribute, or commercially exploit our content without written permission.

6.3 User Submissions

By submitting enquiry information, you grant us a non-exclusive, royalty-free licence to use, reproduce, and share such information with our network partners for the purpose of responding to your enquiry.

7. Limitation of Liability

7.1 Website Provided "As Is"

Our website and services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

7.2 Network Partner Conduct

We are a referral service only. Advice, quotes, and services delivered by network partners are the responsibility of those partners. We do not warrant the quality, accuracy, or suitability of any product or advice provided by a network partner.

7.3 Limitation of Damages

To the maximum extent permitted by law, Ballarat Mortgage Broker and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or business opportunities arising from your use of our services.

7.4 Australian Consumer Law

8. Indemnification

You agree to indemnify and hold harmless Ballarat Mortgage Broker and its directors, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or relating to your use of our website, your violation of these Terms, or your violation of any applicable laws or third-party rights.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Victoria, Australia, without regard to its conflict of law principles.

Any legal action arising from or relating to these Terms shall be brought exclusively in the courts of Victoria, Australia, and you consent to the personal jurisdiction and venue of such courts.

10. Dispute Resolution

10.1 Informal Resolution

Before initiating formal proceedings, you agree to first contact us to attempt to resolve any dispute informally. We will endeavour to resolve disputes within 30 days of receiving notice.

10.2 Mediation

If informal resolution fails, the parties agree to attempt mediation administered by a mutually agreed mediator or, failing agreement, a mediator appointed by the Resolution Institute (Australia).

10.3 Legal Proceedings

If mediation does not resolve the dispute within 60 days, either party may commence legal proceedings in accordance with Section 9.

11. Termination

You may stop using our services at any time. We may suspend or terminate your access to our services at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms or engaged in fraudulent activity. Provisions of these Terms that should reasonably survive termination (including intellectual property, limitation of liability, indemnification, and governing law) shall survive.

12. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date and post the revised Terms on our website. Your continued use of our services after changes constitutes your acceptance of the revised Terms.

13. Contact Us

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

• Business: Ballarat Mortgage Broker
• Email: enquiry@ballaratmortgagebroker.com.au
• Website: https://ballaratmortgagebroker.com.au