Terms of Use

Effective Date: 1 June 2026 / Governing Law: New South Wales, Australia / Version 1.0

Please read these Terms of Use carefully before using refinancemarket.com.au (the "Site") or any services provided by Refinance Market Pty Ltd (ABN [TO BE INSERTED]) ("Refinance Market", "we", "us", "our"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.

1. About Our Service

Refinance Market is an independent lead generation and referral platform. We provide tools and information to help Australian homeowners explore home loan refinancing options. Specifically:

•     We are NOT a bank, mortgage lender, or licensed credit provider.

•     We are NOT an Australian Credit Licensee (ACL) holder.

•     We do NOT provide credit assistance, financial product advice, or credit recommendations.

•     We DO connect you with ACL-licensed mortgage brokers and lenders who can provide formal credit assistance.

Any savings estimates, rate comparisons, or calculations provided on our Site are indicative only and are not financial advice. Always seek independent advice from a licensed professional before making any financial decisions.

2. Eligibility

By using our Site, you represent and warrant that:

•     You are at least 18 years of age

•     You are an Australian resident or citizen

•     You have an existing home loan or are seeking refinancing information

•     The information you provide to us is accurate, complete, and not misleading

•     You are not using the Site for any unlawful, fraudulent, or commercial purpose not authorised by us

3. No Financial Advice

The content on our Site, including savings calculators, rate tables, lender comparisons, blog articles, and guides, is for general informational purposes only. It does not constitute:

•     Financial product advice as defined under the Corporations Act 2001 (Cth)

•     Credit assistance as defined under the National Consumer Credit Protection Act 2009 (Cth)

•     Legal, tax, or accounting advice

Refinance Market expressly disclaims any liability arising from reliance on information provided on our Site. You should always obtain independent professional advice before making any financial decision.

4. Referral Relationship and Conflicts of Interest

Refinance Market operates a referral business model. We earn fees from mortgage brokers and lenders when we refer customers to them. This means:

•     We may have financial incentives to refer you to certain lenders or brokers

•     Featured placement in our comparison tables may be influenced by commercial arrangements

•     Our savings estimates are based on publicly available rates, which may not reflect the rate you are actually offered

We are committed to transparency. Where commercial arrangements exist that may influence our recommendations, we will endeavour to disclose this clearly on the relevant page.

5. Accuracy of Information

We take reasonable care to ensure the information on our Site is accurate and up to date. However:

•     Interest rates change frequently and may differ from those shown on our Site

•     Lender policies, eligibility criteria, and product features change without notice

•     Savings estimates are based on stated assumptions and may not reflect your actual situation

•     We make no representation that any particular lender or product is suitable for your individual circumstances

You should always verify current rates directly with the lender or broker before making any decision.

6. Your Obligations

When using our Site, you agree to:

•     Provide accurate and truthful information in all forms and calculators

•     Not impersonate any person or entity

•     Not attempt to access any part of our Site you are not authorised to access

•     Not use our Site to transmit spam, malware, or any harmful code

•     Not scrape, copy, or reproduce our content without prior written permission

•     Comply with all applicable Australian laws and regulations

7. Intellectual Property

All content on our Site — including text, graphics, logos, icons, images, savings calculators, and software — is the property of Refinance Market Pty Ltd or its licensors and is protected by Australian copyright law.

You may access and use our Site for personal, non-commercial purposes only. You must not reproduce, distribute, modify, or create derivative works from any content on our Site without our prior written consent.

8. Third-Party Links and Content

Our Site may contain links to third-party websites, including lenders, brokers, and information sources. These links are provided for your convenience only. Refinance Market:

•     Does not endorse or take responsibility for the content of any third-party site

•     Is not responsible for the privacy practices of third-party sites

•     Cannot guarantee the accuracy of information on third-party sites

You access third-party sites at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law (including the Australian Consumer Law), Refinance Market excludes all liability for:

•     Any loss of income, profit, revenue, data, or opportunity

•     Any indirect, consequential, special, or punitive damages

•     Loss arising from your reliance on information provided on our Site

•     Loss arising from decisions made based on our savings calculator or rate comparisons

•     Any failure of our Site to be available, error-free, or free of viruses

Nothing in these Terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by the Australian Consumer Law that cannot lawfully be excluded or limited.

10. Indemnification

You agree to indemnify and hold harmless Refinance Market, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

•     Your breach of these Terms

•     Your use of our Site in an unauthorised or unlawful manner

•     Any false or misleading information you provide to us

11. Privacy

Your use of our Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please read our Privacy Policy carefully. By using our Site, you consent to the collection and use of your information as described in our Privacy Policy.

12. Modifications to the Service and Terms

We reserve the right to modify, suspend, or discontinue our Site or any part of our services at any time without notice. We also reserve the right to update these Terms at any time. Updated Terms will be posted on our Site with a revised effective date.

Your continued use of our Site after changes to the Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using our Site.

13. Termination

We reserve the right to terminate or restrict your access to our Site at any time, without notice, if we reasonably believe you have violated these Terms or engaged in conduct that is harmful to our Site, other users, or third parties.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for the resolution of any dispute arising out of or in connection with these Terms.

Before commencing any formal dispute resolution proceedings, you agree to first contact us in writing at [email protected] and allow 30 days for us to attempt to resolve the dispute informally.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Refinance Market regarding your use of our Site and supersede all prior agreements, representations, and understandings.

17. Contact

For any questions about these Terms of Use, please contact us:

Company

Refinance Market Pty Ltd

Email

[email protected]

Website

refinancemarket.com.au/terms

Post

Legal Team, Refinance Market Pty Ltd, [Address to be inserted], Australia

These Terms were last reviewed and updated on 1 June 2026.