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Terms & Conditions

Effective Date: 1/1/2025
 

1. About These Terms

These Terms and Conditions (“Terms”) govern your access to and use of the website www.bluewavefinancial.com.au (“Website”), operated by Blue Wave Financial Services Pty Ltd (“we”, “us”, “our”).

By accessing, browsing, submitting information to, or using this Website or our online services, you:

  • Acknowledge that you have read and understood these Terms; and

  • Agree to be legally bound by them.

If you do not agree, you must not use this Website or our services.

2. Scope of Services

We provide mortgage broking and related financial services, which may include:

  • Home loans (owner-occupied and investment)

  • Refinancing

  • Construction loans

  • Other credit-related services

Important

  • We are not a lender.

  • Final credit decisions are made solely by lenders.

  • Our role is limited to credit assistance and facilitation.

3. General Information Only (No Advice)

All content on this Website is provided for general information purposes only and:

  • Does not constitute financial, legal, taxation, or credit advice;

  • Does not take into account your objectives, financial situation, or needs;

  • Must not be relied upon as a substitute for professional advice.

You should obtain independent advice before making any financial decision.

4. No Guarantee or Representation

We do not guarantee:

  • Loan approval

  • Interest rates

  • Fees, charges, or loan terms

  • Timeframes for assessment or settlement

  • Availability of any product or lender

All applications are subject to:

  • Lender policies

  • Credit assessment

  • Verification processes

  • Legal and regulatory requirements

5. Client Obligations & Accuracy of Information

You agree that:

  • All information you provide is true, accurate, complete, and current

  • You will promptly notify us of any changes to your circumstances

  • You will not provide false, misleading, or incomplete information

Failure to do so may result in:

  • Loan rejection

  • Delays

  • Withdrawal of services

  • Legal or regulatory consequences

We are not responsible for outcomes arising from incorrect information provided by you.

6. Online Forms, Electronic Communication & Portals

By using our Website, forms, or document portal, you:

  • Consent to communication by electronic means (email, online portal, SMS)

  • Acknowledge that internet transmissions may not be completely secure

  • Accept responsibility for safeguarding login credentials

  • Agree not to misuse or attempt unauthorised access to systems

We are not liable for losses caused by:

  • Third-party cyber incidents beyond our reasonable control

  • Incorrect email addresses supplied by you

  • Client failure to protect login details

7. Fees, Commissions & Remuneration

We may receive:

  • Upfront and/or trail commissions from lenders

  • Other permitted benefits in accordance with law

Details of remuneration are disclosed separately in our:

  • Credit Guide

  • Credit Proposal Disclosure Document

You acknowledge that:

  • Commissions do not affect lender approval decisions

  • You have the right to request further explanation

8. Third-Party Products & Websites

This Website may reference or link to third-party products, services, or websites.

We:

  • Do not control those third parties

  • Do not guarantee their accuracy or availability

  • Are not responsible for their content, privacy practices, or terms

Accessing third-party websites is at your own risk.

9. Intellectual Property

All content on this Website, including:

  • Text

  • Logos

  • Graphics

  • Images

  • Layout and design

is owned or licensed by Blue Wave Financial Services Pty Ltd and protected under Australian intellectual property laws.

You may:

  • View content for personal, non-commercial use only

You must not:

  • Copy, reproduce, distribute, or commercially exploit content

  • Use our branding without written consent

10. Website Availability & Changes

We:

  • Do not guarantee uninterrupted or error-free access

  • May modify, suspend, or discontinue the Website at any time

  • Are not liable for outages, maintenance, or technical issues

11. Limitation of Liability

To the maximum extent permitted by law:

  • We exclude all liability for loss or damage arising from use of this Website

  • This includes indirect, incidental, special, or consequential loss

  • We are not liable for reliance on Website content

Nothing in these Terms excludes rights under the Australian Consumer Law.

12. Indemnity

You agree to indemnify and hold harmless Blue Wave Financial Services Pty Ltd against any loss, liability, or expense arising from:

  • Your breach of these Terms

  • Your misuse of the Website

  • False or misleading information you provide

  • Unauthorised access using your credentials

13. Privacy & Data Protection

Your use of this Website is also governed by our Privacy Policy, which forms part of these Terms.

14. Suspension or Termination

We may suspend or terminate your access to the Website or services without notice if:

  • These Terms are breached

  • Misuse or unlawful activity is suspected

  • Required by law or regulator

15. Complaints

Complaints relating to our services should be raised using our internal complaints process. Details are available upon request.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of New South Wales, Australia.
You submit to the exclusive jurisdiction of the courts of New South Wales.

17. Contact Details

Blue Wave Financial Services Pty Ltd
📧 Email: support@bluewavefinancial.com.au
🌐 Website: https://www.bluewavefinancial.com.au

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