Terms of Service

By accessing or using the Your Lending Friend website (www.yourlendingfriend.com.au) and services, you agree to be bound by these Terms of Service and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

These Terms of Service constitute a legally binding agreement between you and Your Lending Friend Pty Ltd (ABN 72 669 448 560, Credit Representative Number 551509).

Your Lending Friend Pty Ltd operates as a finance broker, providing the following services:

Credit Assistance: We assist consumers and businesses in obtaining finance by comparing products from our panel of lenders and submitting loan applications on your behalf.

Product Comparison: We compare loan products from over 40 lenders, including car loans, personal loans, business loans, equipment finance, and other credit products.

Credit Guidance: We provide general guidance on finance options suitable for your circumstances, including options for those with adverse credit history.

Our services are provided under the authority of Viking Aggregation Pty Ltd (Australian Credit Licence 543046).

Your Lending Friend Pty Ltd is a finance broker, not a lender.

We do not provide loans or credit directly. We act as an intermediary between you and third-party lenders. All credit products are provided by the lenders themselves, and all credit decisions are made by those lenders at their sole discretion.

We cannot guarantee: - Approval of any loan application - Specific interest rates or loan terms - That any particular lender will accept your application - Specific timeframes for loan approval or settlement

The lender you are ultimately approved with will provide their own terms and conditions, which you must review and agree to separately before accepting any loan offer.

Interest rates and fees quoted on this website are indicative only and subject to change without notice. The actual rate and fees you receive will depend on your individual circumstances and the lender's assessment.

To use our services, you must:

• Be at least 18 years of age
• Be an Australian citizen or permanent resident, or hold a valid Australian visa
• Have the legal capacity to enter into contracts
• Provide accurate and complete information in your application
• Not use our services for any unlawful purpose

By submitting an application, you represent and warrant that all information you provide is true, accurate, and complete to the best of your knowledge.

Your Obligations:

You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information may result in: - Rejection of your loan application - Cancellation of any approved loan - Legal consequences including potential prosecution for fraud

You must notify us promptly of any changes to your personal or financial circumstances that may affect your application.

Our Content:

While we endeavour to ensure the information on our website is accurate and up-to-date, we make no representations or warranties about the accuracy, completeness, or suitability of any information. The content on this website is provided for general information purposes only and does not constitute financial advice.

The information provided on this website and through our services is general in nature and does not take into account your personal financial situation, needs, or objectives.

This website does not provide personal financial advice. Before making any financial decisions, you should:

• Consider your own financial situation and objectives
• Read all relevant product disclosure statements and loan contracts
• Seek independent financial, legal, or tax advice if needed

We recommend that you carefully consider whether any credit product is appropriate for your circumstances before applying.

By submitting a loan application through our website, you authorise us to:

• Obtain a credit report from one or more credit reporting bodies
• Share your personal and financial information with potential lenders
• Make enquiries with third parties to verify your information

You understand that: - Initial enquiries for comparison purposes may be conducted as "soft" enquiries that do not affect your credit score - Formal loan applications submitted to lenders will result in credit enquiries that may appear on your credit file - Multiple credit enquiries in a short period may affect your credit score

We will explain the credit enquiry process before submitting formal applications on your behalf.

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Your Lending Friend Pty Ltd or its content suppliers and is protected by Australian and international copyright laws.

You may not: - Reproduce, distribute, or publish any content without our written permission - Modify or create derivative works from our content - Use any data mining, robots, or similar data gathering methods - Use our trademarks or branding without authorisation

Limited permission is granted to download and print materials for personal, non-commercial use only.

To the maximum extent permitted by law, Your Lending Friend Pty Ltd, its directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Any damages arising from the use or inability to use our services
• Any damages resulting from lender decisions or loan terms
• Any errors or omissions in website content

Our total liability for any claim arising from these terms or your use of our services is limited to the fees (if any) paid by you for our services.

Nothing in these terms excludes or limits any consumer guarantees under the Australian Consumer Law that cannot be excluded or limited by law.

You agree to indemnify, defend, and hold harmless Your Lending Friend Pty Ltd, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use of our website or services
• Your breach of these Terms of Service
• Your violation of any third-party rights
• Any false or misleading information you provide
• Any unlawful or fraudulent activity

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Please review our Privacy Policy carefully before submitting any personal information through our website.

We do not guarantee that our website will be available at all times or that it will be free from errors, viruses, or other harmful components.

We reserve the right to: - Modify, suspend, or discontinue any part of our website at any time - Restrict access to certain features or the entire website - Update these Terms of Service without prior notice

We will not be liable for any loss or damage caused by website unavailability or technical issues.

Our website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by or in connection with the use of any third-party websites or services.

These Terms of Service 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 of New South Wales and the Federal Court of Australia for any disputes arising from these terms or your use of our services.

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

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on this website.

Your continued use of our website or services after any changes constitutes your acceptance of the modified terms.

We encourage you to review these terms periodically for any updates.

If you have any questions about these Terms of Service, please contact us:

Your Lending Friend Pty Ltd ABN: 72 669 448 560

Address: Level 3, 116 Military Road, Neutral Bay NSW 2089 Phone: 0408 383 736 Email: emily@yourlendingfriend.com.au

For complaints about our services, please refer to our Credit Guide for our internal and external dispute resolution processes.