Welcome to Loanservices Australia. These Terms & Conditions govern your use of our website and services provided by Sikand Group Pty Ltd. By accessing or using our website, you agree to be bound by these Terms & Conditions.

1. Our Role as Finance & Mortgage Brokers

Loanservices Australia operates as a finance and mortgage broking service. We are not a lender and do not provide loans or credit directly. Our role is to assist clients by comparing loan products from a range of independent third-party lenders and facilitating introductions based on your requirements.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. You agree to provide accurate, complete, and current information when submitting enquiries or applications.

3. Loan Information & Accuracy

Any loan-related information provided on this website is for general informational purposes only. Final loan terms, interest rates, fees, approvals, and conditions are determined solely by the relevant lenders and may change without notice.

4. User Responsibilities

• Provide accurate and up-to-date personal and financial information.
• Review loan documentation carefully before accepting any offer.
• Use this website and our services only for lawful purposes.

5. No Financial, Legal, or Tax Advice

Information provided on this website does not constitute financial, legal, or taxation advice. You should seek independent professional advice appropriate to your personal circumstances before making any financial decisions.

6. Privacy & Data Protection

Your personal information is handled in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and disclosure of your information for the purposes outlined in that policy.

7. Intellectual Property

All content, trademarks, logos, text, and materials on this website are the intellectual property of Loanservices Australia and Sikand Group Pty Ltd. You may not reproduce, distribute, or reuse any content without prior written consent.

8. Limitation of Liability

To the maximum extent permitted by law, Loanservices Australia and Sikand Group Pty Ltd shall not be liable for any loss or damage, including indirect or consequential loss, arising from the use of this website or reliance on information provided.

9. Third-Party Websites & Lenders

This website may contain links to third-party websites or lenders. We do not control and are not responsible for the content, terms, privacy practices, or services provided by third parties.

10. Changes to These Terms

We reserve the right to update or amend these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of the revised Terms & Conditions.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws applicable to the jurisdiction in which Sikand Group Pty Ltd operates.