Terms of Service

1. Agreement to Terms

By accessing or using the iSmart Finance website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. About Our Services

iSmart Finance Group provides mortgage broking services, including:

• Comparing home loan products from multiple lenders
• Providing guidance and recommendations based on your circumstances
• Assisting with loan applications and documentation
• Liaising with lenders on your behalf
• Providing educational resources and calculators

We are not a lender. We act as an intermediary between you and the lenders on our panel.

3. Eligibility

Our services are available to individuals who are at least 18 years old and are Australian citizens, permanent residents, or eligible visa holders. By using our services, you represent that you meet these eligibility requirements.

4. Your Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Promptly update us if your circumstances change
• Review all documents and disclosures carefully before signing
• Make your own informed decisions about loan products
• Meet your obligations under any loan agreement you enter into
• Not use our services for any unlawful purpose

5. No Financial Advice

The information provided on our website and through our services is general in nature and does not constitute personal financial advice. We do not take into account your complete financial situation, objectives, or needs. Before making any financial decisions, you should consider seeking independent professional advice from a qualified financial adviser.

6. Calculator Disclaimers

The calculators on our website are provided for illustrative purposes only. Results are estimates based on the information you enter and standard assumptions. Actual loan amounts, repayments, and costs may vary significantly based on lender criteria, market conditions, and your individual circumstances. Calculator results should not be relied upon as a guarantee of lending outcomes.

7. Commission Disclosure

We receive commission payments from lenders when a loan settles. These commissions are paid by the lender, not by you. The amount of commission varies between lenders and products. We will provide you with a Credit Guide and Credit Proposal Disclosure Document that includes details about the commissions we may receive.

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of iSmart Finance or its licensors and is protected by Australian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, iSmart Finance and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount of any fees paid by you to us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless iSmart Finance and its affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of our services, your breach of these terms, or your violation of any rights of a third party.

11. Third-Party Services

Our website may contain links to third-party websites or services. We do not control or endorse these external resources and are not responsible for their content, privacy practices, or terms of use. Your interactions with third-party services are governed by their respective terms.

12. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice. You may also discontinue using our services at any time. Provisions of these terms that by their nature should survive termination shall remain in effect.

13. Dispute Resolution

If you have a complaint about our services, please contact us first so we can attempt to resolve the issue. If we cannot resolve your complaint to your satisfaction, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA). Our AFCA membership number will be provided upon request.

14. Changes to Terms

We may modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our website with a new effective date. Your continued use of our services after such changes constitutes acceptance of the modified terms.

15. Governing Law

These Terms of Service are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of New South Wales.

16. Contact Information

For questions about these Terms of Service, please contact us: