Website Terms of Use

Effective Date: October 2025

1. Website Content

   The information provided on this website is for general informational purposes only and does not constitute personal financial advice or credit assistance. We only provide credit assistance after conducting a detailed assessment of your individual circumstances.

   • General Information: Website content is general in nature and does not take into account your objectives, financial situation, or needs.
   • Credit Assistance: Credit assistance is only provided after a personal assessment of your situation.
   • No Guarantees: We do not guarantee loan approval, specific interest rates, or lending outcomes. All lending is subject to lender approval, responsible lending assessment, eligibility, and credit criteria.

   Information, recommendations, and assessments are based on circumstances, products, and market conditions at the time provided. While we strive to maintain accuracy, we make no warranty as to completeness, timeliness, or reliability. Circumstances, policies, rates, and conditions may change without notice.

   We encourage you to contact us if your circumstances change or if you would like us to review information or recommendations previously provided.

2. Compliance with Laws & Regulatory Obligations

   Ethical Finance Australia Pty Ltd (ABN 12 601 144 932) trading as Impact Brokers (Credit Representative No. 466398) and Yasmine Shah (Credit Representative No. 540047) are Authorised Credit Representatives of QED Credit Services Pty Ltd (Australian Credit Licence 387856).

   We operate in compliance with:

   • National Consumer Credit Protection Act 2009 (NCCP Act)
   • ASIC Regulatory Guide 273
   • Australian Privacy Principles under the Privacy Act 1988
   • All applicable Australian credit and consumer laws

   Best Interests Duty: When providing credit assistance, we are legally required to:

   • Act in your best interests at all times
   • Prioritise your interests over our own or those of related parties in any conflict
   • Assess your individual circumstances, goals, and financial position
   • Present suitable options and clearly explain our recommendations

   This duty applies whenever we provide credit assistance — including new loans, refinancing, or reviews of your lending arrangements.

   Responsible Lending Obligations: We make reasonable enquiries about your financial situation, requirements, and objectives before offering recommendations or credit assistance.

3. Lender Panel & Product References

   We work with a selected panel of lenders who publicly commit to ethical and responsible lending practices. We do not have access to every lender or product in the Australian market. If your needs are better served by a lender outside our panel, we may refer you to another broker.

   References to lenders, products, features, or ethical practices are for general informational purposes only and do not constitute product endorsement, a guarantee of lender performance, or personal financial advice.

   All references to “ethical lending”, “green loans”, or “sustainable finance” are made in good faith based on publicly available information, but we cannot guarantee the ongoing ethical performance of any lender.

4. Accuracy, Availability & Liability

   We make reasonable efforts to ensure content is accurate and current; however, content may change without notice and may not always be complete or error-free. We do not guarantee uninterrupted website access.

   To the maximum extent permitted by law, we exclude all liability for any loss or damage (including consequential loss) arising from your use of or reliance on this website or its content. Nothing in these terms limits any non-excludable rights under the Australian Consumer Law.

5. External Links

   This website may contain links to external websites not operated or maintained by Ethical Finance Australia Pty Ltd. We do not guarantee the accuracy, relevance, timeliness, or completeness of any external content.

   We do not endorse or accept responsibility for:

   • The content or services of third-party websites
   • Privacy practices or terms of linked sites
   • The accuracy of external data, research, or claims

   Links to lenders, research organisations, or government bodies are provided for convenience only and do not imply endorsement.

6. Privacy & Cookies

   Your use of this website is subject to our Privacy Policy, which explains how we handle personal information. We may use cookies and analytics tools to improve site performance. By continuing to use the site, you consent to such use.

7. Intellectual Property

   Unless otherwise stated, all website content (including text, graphics, and layout) is owned by or licensed to us. You must not reproduce, modify, or distribute content without prior written consent.

8. Prohibited Use

   You must not misuse this website, including attempting unauthorised access, introducing malicious code, scraping content, or using the site for unlawful purposes.

9. Governing Law

   These terms are governed by the laws of New South Wales, Australia. You submit to the exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia.

10. Changes to Terms

    We reserve the right to modify these Terms of Use at any time to reflect changes in law, regulation, our services, or industry practice. Any changes will take effect immediately upon posting, with an updated “Effective Date” shown at the top of this page.

    Material updates will be highlighted on this page for a reasonable period. Continued use of the website after posting changes constitutes acceptance of the revised terms.

    We recommend reviewing these Terms of Use periodically to stay informed of any updates.

11. Contact

    For questions about these Terms of Use or to request permission to reproduce content, please contact us.