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1. Agreement to Terms

By accessing and using the Loan Direct AU website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. In addition, when using this Service, you shall be subject to any posted guidelines or rules applicable to such services.

2. Nature of Service (Affiliate Disclosure)

Loan Direct AU is an independent marketing website. We are not a bank, lender, or financial advisor.

We act as an affiliate marketer for Loan Direct AU. This means:

• We provide information about loan products based on publicly available data.
• We refer users to the Loan Direct AU website to complete applications.
• We may receive a commission or referral fee if you click a link and successfully apply for a loan.
• This commission does not affect the interest rate or fees you are offered by the lender.

3. No Financial Advice

The content provided on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. While we strive to keep information up to date, interest rates and loan terms can change rapidly.

You should consider your own financial situation and read the Product Disclosure Statement (PDS) or Target Market Determination (TMD) from the lender before making a decision.

4. Limitation of Liability

To the fullest extent permitted by Australian law, Loan Direct AU shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

• The use or the inability to use the Service;
• The rejection of any loan application by Loan Direct AU or any other lender;
• Any inaccuracies in the interest rates or terms displayed on this site compared to the actual offer received from the lender.

5. Accuracy of Information

Interest rates (e.g., "From 5.95% p.a.") and loan features displayed on this site are illustrative and subject to change without notice. The actual rate you are offered will depend on your credit score, financial situation, and the lender's criteria.

6. Intellectual Property

The content, layout, design, and graphics on this site are the property of Loan Direct AU and are protected by intellectual property laws. Loan Direct AU trademarks remain the property of Loan Direct AU Group.

7. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

1. Introduction

Loan Direct AU ("we", "us", or "our") is committed to protecting the privacy of our website visitors. This Privacy Policy explains how we collect, use, and safeguard your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. Information We Collect

We collect information in two ways:

• Information you provide voluntarily: This may include your name and email address if you contact us directly via email.
• Automated information: When you visit our site, we automatically collect data such as your IP address, browser type, referring URLs, and device information to analyse traffic and improve user experience.

Important: We do NOT collect or store your loan application data, credit scores, or banking details. This information is entered directly onto the Loan Direct AU website, which is subject to their own privacy policy.

3. How We Use Your Information

We use your information for the following purposes:

• To operate and maintain this website.
• To track affiliate referrals (ensuring clicks to Loan Direct AU are attributed to us).
• To analyse website traffic and user behaviour (e.g., via Google Analytics).
• To respond to your inquiries or support requests.

4. Cookies and Tracking Technologies

We use cookies to enhance your experience. Specifically, we use Affiliate Tracking Cookies. When you click a "Get My Rate" or similar link on our site, a cookie is placed on your device. This cookie does not contain personal data but allows Loan Direct AU to know that you were referred by us. These cookies typically expire after 30 days.

You can choose to disable cookies in your browser settings, though this may affect site functionality.

5. Disclosure to Third Parties

We do not sell, trade, or rent your personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners and advertisers.

6. Third-Party Websites

Our website contains links to third-party websites, specifically Loan Direct AU. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

7. Contact Us

If you have questions about this Privacy Policy, please contact us at:

Email: [email protected]