1. About these terms
This website is owned and operated by Emoney Pty Ltd (ABN 61 079 790 364, ACN 079 790 364), trading as emoney Home Loans, Australian Credit Licence 386 494. In these terms, 'Emoney', 'we', 'us' and 'our' refer to Emoney Pty Ltd.
These Website Terms apply to emoneyhomeloans.com.au and the public tools, forms and digital services made available through it. By accessing or using the website, you agree to these terms. If you do not agree, do not use the website.
These are website-use terms only. They are not loan-contract terms and do not replace an applicable Credit Guide, privacy consent, credit proposal disclosure, preliminary assessment, quote, lender offer, product terms, mortgage document or other document provided for a credit service. Transaction documents may identify the applicable broker, credit representative, trust or lender and govern the transaction to the extent of any inconsistency.
2. General information only
Website content is general information. Unless an appropriately authorised Emoney broker has reviewed your circumstances and clearly tells you otherwise in the required process, it does not take into account your objectives, financial situation or needs and is not personal credit advice, financial advice, legal advice, tax advice, accounting advice, investment advice or conveyancing advice.
You should obtain advice appropriate to your circumstances before acting. This may include speaking with an Emoney broker and, where relevant, a lender, financial adviser, accountant, tax adviser, lawyer or conveyancer.
3. No offer, approval or guarantee
Nothing on this website is an offer, approval, commitment or guarantee to provide credit or another product or service. Submitting an enquiry does not create a broker-client, lender-borrower or other professional relationship and does not require Emoney or a lender to proceed.
Loan availability, lender access, rates, comparison rates, fees, features, borrowing capacity and approval depend on the information provided, lender and insurer criteria, responsible-lending and best-interest obligations, valuation, documents, verification and other conditions. They can change without notice.
Pre-approval is conditional and does not guarantee unconditional or final approval for a particular property. References to possible savings, reduced repayments or other outcomes are scenarios only. Actual outcomes are not guaranteed.
4. Calculators, guides and examples
Calculators, comparison examples and guides provide estimates or general explanations using the inputs, assumptions and data described. They may use rounded figures and cannot reproduce every lender rule, fee, rate change, government concession, tax consequence, insurance rule, valuation or transaction detail.
A result is not a quote, valuation, credit assessment, product recommendation or approval. Check important figures and assumptions with an appropriate broker, lender, conveyancer, accountant, tax adviser, insurer or government authority before relying on them.
5. Emoney Assist and AI-generated information
Emoney Assist uses artificial intelligence to provide general information, website navigation and enquiry handoff. AI output can be incomplete, outdated, misleading or inaccurate. It must not be treated as personal advice, current lender policy or approval.
Quick Check and Emoney Assist may create a summary or routing tag for staff. They do not decide whether you are eligible for credit or whether a lender will approve an application. A human and the relevant lender must complete the required review.
Do not enter passwords, one-time codes, tax file numbers, full account numbers, identity documents, payslips, bank statements or other sensitive financial documents into Emoney Assist or a general website message. Important information should be checked with an Emoney broker.
6. Enquiries and information you provide
You must provide information that is accurate to the best of your knowledge and must not impersonate another person or submit misleading, unlawful or harmful material. Tell Emoney if information relevant to an enquiry or application changes.
Do not provide another person's personal information unless you have authority to do so and, where required, have told them about Emoney's collection and this Privacy Policy. A co-applicant, guarantor or other affected person may need to provide their own consent before an application can proceed.
A general website form is not an approved channel for sensitive application documents. Use the secure process confirmed by Emoney, your broker or the relevant lender.
7. Third-party services and links
The website may link to lender portals, booking services, government sources, social-media services and other third-party websites or tools. Third parties control their own content, terms, privacy practices, security and availability. A link does not mean Emoney endorses, controls or guarantees the third-party service.
Check that a link, domain and recipient are genuine before entering credentials, making a payment or sending documents. Contact Emoney if you are unsure which client, lender or secure portal to use. Your use of a third-party service is subject to that third party's terms.
8. Intellectual property
Unless stated otherwise, the website, Emoney branding, text, layout, graphics, software and original materials are owned by or licensed to Emoney and are protected by intellectual-property laws. Third-party names, logos and materials remain the property of their respective owners.
You may view, download or print a reasonable copy of public content for your personal, non-commercial use. You must not reproduce, republish, sell, modify, scrape, create a competing database from, remove rights notices from or represent website content as your own without permission or another lawful basis.
9. Acceptable use and security
You must use the website lawfully and must not interfere with another person's rights or use of the service. You must not attempt unauthorised access; bypass security or rate limits; introduce malware; probe or disrupt systems; misuse forms; send spam; harvest personal information; impersonate another person; or use automated tools in a way that unreasonably burdens, copies or damages the service.
We may restrict or block access, remove material or report conduct where we reasonably believe it is necessary to protect people, systems, Emoney or third parties, or to comply with law.
10. Availability, accuracy and changes
We take reasonable care in preparing and maintaining the website, but do not promise that every page, figure, feature, response or external link will always be available, secure, complete, current or error-free. Content can become outdated because laws, government programs, lender policy, rates and market conditions change.
We may correct, update, suspend or withdraw website content or features without notice. Where a date or source is shown, you should consider whether it remains current for your decision.
11. Privacy and cookies
Our Privacy Policy explains how we handle personal information, credit-related information, Emoney Assist messages, cookies, analytics choices and marketing preferences. Collection notices shown with a form or digital service also apply.
Submitting an enquiry authorises Emoney to use the information to respond and provide the requested service as explained at the collection point. Optional marketing requires the consent or other lawful basis described in the relevant notice.
12. Liability and rights that cannot be excluded
Nothing in these terms excludes, restricts or modifies a consumer guarantee, statutory right or remedy that cannot lawfully be excluded, including rights under the Australian Consumer Law, the Privacy Act 1988 or applicable credit law.
To the maximum extent permitted by law, Emoney is not liable for loss arising solely from reliance on general website information, an estimate, AI output, interruption, security event outside Emoney's reasonable control or third-party content or services, where the loss could reasonably have been avoided by obtaining the verification or advice recommended on the website.
Where Emoney's liability for a website service can lawfully be limited, it is limited, at Emoney's option, to supplying the service again or paying the reasonable cost of having it supplied again. This limitation does not apply where it would be unfair or unlawful, or to liability caused by fraud, wilful misconduct or another matter that cannot be limited.
13. Governing law, severability and contact
These terms are governed by the laws of Queensland, Australia. You and Emoney submit to the non-exclusive jurisdiction of the courts of Queensland and courts entitled to hear appeals from them.
If part of these terms is void or unenforceable, it is read down or severed to the minimum extent necessary without affecting the remaining terms. A failure to enforce a term is not a waiver.
We may update these terms by publishing a revised version and effective date. The revised terms apply to later website use. If you have a question, call 13 SAVE (13 72 83), email hello@emoneyhomeloans.com.au, or use the contact page.