Terms of Use

This website ("Website") is owned and operated by DPC BROKER PTY LTD trading as Simple Loans (ABN 13 613 195 387), Holder of Australian Credit Licence No. 509582, registered in Brisbane, Australia. In these Terms of Use, "we", "our" and "us" refers to Simple Loans.

1. Introduction

1.1 All access to and use of this Website is subject to these terms and conditions ("Terms of Use"). By accessing and using this Website you agree to be governed by these Terms of Use. If you do not agree to these Terms of Use, you are no longer permitted to access and use this Website.

1.2 This Website is intended for Australian residents only, aged 18 years and over.

2. Privacy Policy

2.1 We uphold your privacy with the utmost importance. Please visit our Privacy Policy to find out how we use, store, and transfer the information that you provide to us.

3. Third Party Products

3.1 Products available via this Website are provided by third parties. We do not exercise control over these third parties.

4. The Simple Loans Service

4.1 We provide services allowing users to research and compare vehicle loans, business loans, equipment finance and other financial products.

4.2 Our assessment is provided at no upfront cost. We receive payment (commission) from third party product providers in the event of a successful loan settlement. Any applicable lender fees are included in loan repayments and disclosed prior to settlement.

5. Limitation of Liability

5.1 To the maximum extent permitted by law, Simple Loans, its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, this Website or any content, services, or products obtained through this Website.

5.2 Nothing in these Terms of Use excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified by agreement.

6. Intellectual Property

6.1 All content on this Website, including text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of Simple Loans or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws.

6.2 You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on this Website without our prior written consent, except as permitted under the Copyright Act 1968 (Cth).

7. Website Availability and Modifications

7.1 We reserve the right to modify, suspend, or discontinue this Website (or any part thereof) at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website.

7.2 We may update these Terms of Use from time to time. Any changes will be effective immediately upon posting on this Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised terms.

8. Prohibited Conduct

8.1 You agree not to use this Website to:

• Scrape, crawl, harvest, or otherwise extract data from this Website by automated means without our prior written consent
• Use the Website for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorised access to any part of this Website, its servers, or any connected systems
• Interfere with the security or functionality of this Website
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

9. Disclaimer of Financial Information

9.1 The content on this Website is provided for general informational purposes only and does not constitute personal financial guidance, a recommendation, or an offer to enter into any credit contract. Any rates, repayment estimates, or comparisons displayed are indicative only and subject to change without notice.

9.2 You should not rely solely on information obtained from this Website when making financial decisions. We recommend seeking independent financial guidance tailored to your individual circumstances.

10. Indemnification

10.1 To the fullest extent permitted by law, you agree to indemnify and hold harmless Simple Loans, its directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of this Website, your breach of these Terms of Use, or your violation of any applicable law.

11. Dispute Resolution

11.1 In the event of any dispute arising out of or in connection with these Terms of Use, the parties agree to first attempt to resolve the dispute through good faith negotiation.

11.2 If the dispute cannot be resolved through negotiation within 30 days, either party may refer the matter to mediation administered by the Resolution Institute (or its successor body) in Brisbane, Queensland, before commencing any court proceedings.

11.3 Nothing in this clause prevents a party from seeking urgent interlocutory relief from a court of competent jurisdiction.

12. Severability

12.1 If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed and the remaining provisions shall continue in full force and effect.

13. Governing Law

13.1 These Terms of Use are governed by and construed in accordance with the laws of Queensland, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Queensland and the Federal Court of Australia in respect of any disputes arising out of or in connection with these Terms of Use or your use of this Website.

14. Contact Us

If you have any questions concerning this Website or the services and products we provide, please contact us.