Terms And Conditions

1. Acceptance of Terms

1.1 By using our website or engaging our services, you accept these Terms and Conditions and our Privacy Policy.
1.2 If you are under 18, you must obtain parental or guardian consent before using our services citeturn0search0.
1.3 If you act on behalf of a company, you warrant you have authority to bind that entity.

2. Our Role and Services

2.1 Auto Financial acts solely as a finance broker, introducing you to licensed lenders and finance providers. We do not issue, guarantee or underwrite finance products; any contract you enter is directly with the lender citeturn0search0.
2.2 We will:

  • Assess your needs and financial situation;
  • Source suitable finance options;
  • Assist with your application and liaise with lenders;
  • Provide pre-contract responsible lending disclosures under the National Credit Act citeturn0search4.

3. Your Obligations

3.1 You must provide accurate, complete and up-to-date personal, financial and identification information.
3.2 You agree not to:

  • Misrepresent your identity or financial position;
  • Use our services for fraudulent or unlawful purposes citeturn0search0.
    3.3 You must notify us promptly of any changes to your circumstances that may affect your finance application.

4. Fees and Commissions

4.1 Our services are offered at no direct cost to you unless otherwise agreed. We receive commission from the lender upon settlement of your loan; commission is typically paid to us in the month following settlement citeturn0search3.
4.2 If you have agreed to any upfront or direct-debit fees, we will debit your nominated account in accordance with our Direct Debit Request form citeturn0search5.
4.3 We will disclose all fees, commissions and any potential conflicts of interest before you proceed.

5. Intellectual Property

5.1 All website content, materials, logos and trademarks are owned or licensed by Auto Financial. You may view and download for personal, non-commercial use only.
5.2 No part of this site may be reproduced, modified or distributed without our express written permission.

6. Disclaimers and Liability

6.1 Our advice is based on information you provide and is not a substitute for independent legal, taxation or financial advice.
6.2 To the maximum extent permitted by law, Auto Financial and its officers, employees and agents exclude all liability for any loss or damage arising from your use of our site or services, including any reliance on finance product information citeturn0search9.
6.3 Where liability cannot be excluded under Australian Consumer Law, our liability is limited to the lesser of:

  • The amount you paid us in fees; or
  • Resupplying our services.

7. Dispute Resolution

7.1 If a dispute arises, please contact us in writing first. We will attempt to resolve it within 30 days.
7.2 If unresolved, you may escalate to the Australian Financial Complaints Authority (AFCA) or a court of competent jurisdiction.

8. Termination

8.1 Either party may terminate the engagement in writing at any time. Termination does not affect rights or obligations accrued before termination.
8.2 On termination, you remain liable for fees, commissions or disbursements incurred up to the date of termination citeturn0search2.

9. Variation of Terms

9.1 We may amend these Terms at any time by posting updated Terms on our website. Your continued use constitutes acceptance of the updated Terms citeturn0search12.
9.2 We will notify you of material changes via email or website notice.

10. Privacy

10.1 Our handling of your personal information is governed by our Privacy Policy, available at https://autofinancial.com.au/privacy-policy.
10.2 We collect and use your data only as necessary to provide and improve our services, in compliance with the Privacy Act and Australian Privacy Principles .

11. Governing Law

11.1 These Terms are governed by the laws of the State of Victoria, Australia.
11.2 You submit to the non-exclusive jurisdiction of the courts of Victoria.

12. Contact Information

If you have any questions, please contact:
Auto Financial Privacy & Compliance Officer
Email: [email protected]
Phone: (03) 9000 1234

Last updated: 25 April 2025