Website Terms and Conditions

1. About these terms

These terms and conditions apply to your use of the Dark Horse Financial website at darkhorsefinancial.com.au, our social media channels, and any forms, tools or referral services we offer through them (together, our "Platforms"). In these terms, "Dark Horse", "we", "us" and "our" mean Dark Horse Financial Pty Ltd, and "you" means anyone who accesses or uses our Platforms.

By using our Platforms, you agree to these terms and to our Privacy Policy (darkhorsefinancial.com.au/privacy-policy). If you do not agree, you must stop using our Platforms.

2. Changes to these terms

We may update these terms at any time by publishing a revised version on our website. The updated terms apply from the date they are published. Please check this page from time to time, as continuing to use our Platforms means you accept the current version.

3. Using our Platforms

You agree to use our Platforms lawfully and in a way that does not interfere with their operation or with anyone else's use of them. In particular, you must not:

• provide false, misleading or incomplete information in any enquiry or application form;
• submit another person's details without their consent;
• attempt to gain unauthorised access to our systems, or introduce any virus or harmful code; or
• copy, scrape or reproduce our content for commercial purposes without our written permission.

We may suspend or restrict your access to our Platforms at any time. If we ask you to stop using them, you must do so.

4. General information only

Content on our Platforms, including articles, videos, guides and posts, is general information only. It is a guide, may not be complete or current, and has been prepared without considering your objectives, financial situation or needs.

It is not personal credit, financial, tax, legal or accounting advice, and you should not rely on it when making a decision. Before acting, consider whether the information suits your circumstances and obtain advice from appropriately qualified professionals.

Any loan, product or benefit we mention is subject to the relevant lender's eligibility criteria, terms and conditions, fees and approval. Rates and product details can change without notice. We are not obliged to update content after it is published.

5. Our referral service

Depending on your needs, we may assist you directly or refer you to a third party, such as a lender, finance broker (including for business, commercial, asset or home lending) or insurance provider (a "Third Party"). Where we assist you directly, we will provide you with our Credit Guide and any other disclosures required by law.

Where we refer you to a Third Party, you acknowledge and agree that:

• you are being referred to a Third Party, and by submitting a form or clicking a request button (such as "Get a Quote") you consent to us sharing your details with them so they can contact you;
• Third Parties are independent businesses that operate under their own Australian Credit Licence or as authorised credit representatives of another licensee. They are not our credit representatives, and we do not control their services;
• we do not assess whether a product referred to you is suitable for you or whether you can afford it, and we do not guarantee the expertise, conduct or suitability of any Third Party;
• any arrangement you enter into is between you and the Third Party, and you are responsible for any fees or charges they apply;
• we may receive a commission or referral fee from a Third Party, which will be disclosed where required by law; and
• to the extent permitted by law, we are not responsible for any advice, act or omission of a Third Party.

We encourage you to seek independent advice before entering into any credit or insurance arrangement. If you do not agree with these terms, you must not use our referral service or submit an enquiry form. Acceptance of these terms is a condition of using our referral service, and by submitting an enquiry form you confirm that you have read and agree to them.

6. Third-party websites and links

Our Platforms may link to websites, tools or content operated by others. These are provided for convenience only. We do not endorse or control them, and we are not responsible for their content, accuracy, availability or privacy practices.

7. Calculators and tools

Any calculator or estimating tool on our Platforms produces illustrative results based on the information you enter and on assumptions that may not apply to you. Results are not a quote, an offer of credit or an indication that you will be approved for finance.

8. Intellectual property

Unless stated otherwise, we own or license all content on our Platforms, including text, graphics, logos, videos and design. You may view and share our content for personal, non-commercial purposes, provided you credit Dark Horse Financial and do not alter it. Any other use requires our prior written consent.

9. Limitation of liability

Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded.

Subject to that, and to the maximum extent permitted by law:

• our Platforms and their content are provided on an "as is" basis, and we make no warranty that they will be accurate, complete, uninterrupted or free from errors or viruses;
• we are not liable for any loss or damage, including indirect or consequential loss, arising from your use of, or reliance on, our Platforms, their content or any Third Party; and
• where our liability cannot be excluded but can be limited, it is limited to resupplying the relevant service or paying the cost of having it resupplied.

10. Indemnity

You agree to indemnify us against any claim, loss or cost arising from your breach of these terms or from any false or misleading information you provide through our Platforms.

11. Privacy

We collect, use and disclose personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy (darkhorsefinancial.com.au/privacy-policy), which explains how we handle your information, including when we share it with Third Parties.

12. Governing law

These terms are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland.

13. General

If any part of these terms is found to be invalid or unenforceable, it will be read down or severed, and the rest will continue to apply. If we do not enforce any part of these terms, that does not waive our right to do so later.

14. Contact us

If you have any questions about these terms, please contact us.

Dark Horse Financial Pty Ltd (ABN 58 166 546 130) is a Credit Representative No. 465 325 of Buyers Choice Licencing Pty Ltd ACN 626 172 281 (Australian Credit Licence No. 509484).