Terms of use.

Acceptance of terms

These Terms of Use (Terms) govern your use of the website at cashtech.com.au and any related subdomains (the Website), operated by Trimorph Pty Ltd ABN [TBC] trading as Cashtech (we, us, our).

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Website.

These Terms should be read together with our Privacy Policy, Credit Guide, and any other legal notices on the Website.

About this website

The Website provides general information about credit products (home loans, investment loans, business finance, and related services), tools and calculators, published articles and guides, and ways to contact us.

The Website is not itself a credit application. Contacting us through the Website (for example, by completing a brief form) does not create a credit contract, guarantee of credit approval, or obligation on our part. Credit assistance is provided only after a formal engagement with one of our credit representatives.

Website content

We take reasonable care to ensure the information on the Website is accurate, current, and useful. However:

• Information on the Website is general in nature and does not take into account your specific objectives, financial situation, or needs
• Rate information, scheme eligibility criteria, and lender policies change regularly and may not reflect current positions
• Calculator outputs are indicative estimates only and are not credit offers, pre-approvals, or binding quotes
• Articles and guides are intended to be informative, not to constitute personal financial or legal advice

Before acting on any information from the Website, you should consider whether it is appropriate for your circumstances and, where relevant, obtain professional advice. We recommend speaking with one of our credit representatives for any specific credit assistance.

Permitted use

You may use the Website for lawful purposes and in a manner consistent with these Terms. You must not:

• Use the Website in a way that breaches any law or regulation, or facilitates any criminal activity
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the Website, its servers, or networks connected to it
• Attempt to gain unauthorised access to any part of the Website, accounts, or systems
• Use automated means (including bots, scrapers, or crawlers) to access the Website or extract content, except for legitimate search engine indexing
• Reproduce, republish, distribute, or exploit the Website's content for commercial purposes without our written permission
• Upload or transmit any material that contains viruses, malware, or other harmful code
• Use the Website to harvest personal information about other users or to send unsolicited communications

We reserve the right to restrict or terminate your access to the Website if we reasonably believe you have breached these Terms.

User submissions

When you send us information through the Website (for example, through a contact form or when uploading supporting documents), you confirm that:

• The information you provide is accurate, complete, and not misleading
• You have the right to provide the information and, where it relates to another person, you have that person's consent
• The information does not infringe any third party's intellectual property, privacy, or other rights
• The information is not unlawful, defamatory, obscene, threatening, or otherwise objectionable

Information submitted through the Website is handled in accordance with our Privacy Policy.

Intellectual property

All content on the Website — including text, graphics, logos, images, calculators, interactive tools, software, and the arrangement and look of the Website — is owned by us or our licensors and is protected by Australian and international copyright, trade mark, and other intellectual property laws.

What you can do

You may view and download content from the Website for your personal, non-commercial use. You may link to the Website's homepage or to specific articles, provided the link does not misrepresent the relationship between us and does not damage our reputation.

What you cannot do

Without our prior written permission, you must not:

• Reproduce, republish, or distribute any content from the Website
• Use the Website's content in any commercial product or service
• Remove or alter any copyright, trade mark, or other proprietary notice
• Use our name, logos, trade marks, or branding without express permission
• Frame the Website or embed its content within another website

Calculator code and article content

Our calculators and original articles represent significant effort and expertise. Any unauthorised use, including screen-scraping to build competitor tools or reposting articles without attribution, constitutes infringement of our intellectual property rights.

Third-party content and links

The Website may include links to third-party websites, embed third-party content, or reference third-party products and services (including specific lenders and their products). These links and references are provided for your convenience only.

We do not endorse, control, or take responsibility for the content, policies, or practices of third-party websites or services. You access them at your own risk and subject to their own terms and policies.

Inclusion of a lender on our panel or on the Website does not constitute a recommendation of that lender over any other, and does not imply any particular lender will approve your application.

Disclaimers

The Website is provided on an "as is" and "as available" basis. To the extent permitted by law, we make no warranties, express or implied, about the Website, including:

• That the Website will be uninterrupted, secure, or error-free
• That defects will be corrected, or that the Website or its servers are free of viruses or harmful components
• That the content on the Website will be accurate, current, or reliable at any particular point in time
• That the results obtained from using the Website will meet your requirements

Limitation of liability

To the maximum extent permitted by law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website
• We are not liable for any loss of profit, revenue, business opportunity, goodwill, or data
• Our aggregate liability to you for any claim arising out of or relating to the Website is limited to the amount (if any) you have paid us for services in the 12 months preceding the claim, or AUD$100, whichever is greater

This clause applies whether the liability arises in contract, tort (including negligence), equity, under statute, or on any other basis.

Nothing in these Terms excludes liability that cannot lawfully be excluded, including liability under the Australian Consumer Law for consumer guarantees in connection with services, where applicable.

Indemnity

You agree to indemnify us and hold us harmless from and against any claims, demands, damages, losses, costs, and expenses (including reasonable legal fees) arising from or in connection with:

• Your breach of these Terms
• Your violation of any law or the rights of any third party
• Your use of the Website in any way not permitted by these Terms
• Any content or information you submit through the Website that is inaccurate, misleading, or unlawful

Termination

We may suspend or terminate your access to the Website at any time, with or without notice, for any reason, including if we reasonably believe you have breached these Terms.

On termination:

• Your right to use the Website immediately ceases
• Any information we have collected about you remains subject to our Privacy Policy
• Provisions which by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnity) will continue to apply

Governing law and jurisdiction

These Terms and your use of the Website are governed by the laws of New South Wales, Australia.

You and we submit to the exclusive jurisdiction of the courts of New South Wales and the courts of appeal from them for any dispute arising out of or in connection with these Terms or the Website.

If any part of these Terms is held to be invalid or unenforceable by a court, the remaining parts will continue in full effect.

Changes to these terms

We may update these Terms from time to time to reflect changes in the Website, our practices, or legal requirements. When we update the Terms, we will:

• Change the version number and "last updated" date at the top of this page
• Post the updated Terms on the Website
• For material changes affecting your rights, provide at least 30 days' notice before the change takes effect, where practical

Your continued use of the Website after changes take effect constitutes acceptance of the updated Terms.

Contact us

For questions about these Terms of Use:

Legal enquiries, Cashtech
Level 12, 123 Pitt Street
Sydney NSW 2000

Email: [email protected]
Phone: 1800 227 483 (Monday-Friday, 9am-6pm AEST)

Cashtech is a trading name of Trimorph Pty Ltd ABN [TBC]. Credit representative number [TBC] authorised under Australian Credit Licence [TBC]. These Terms should be read alongside our Privacy Policy, Credit Guide, and Complaints Handling Policy.