The terms that apply when you access, view or otherwise use the Broli Finance website — including calculators, links, copyright and your responsibilities as a user.
In this Policy, we use the terms "us", "we" and "our" to refer to:
Broli Finance (ABN 71 617 588 726)
Fintelligence Pty Ltd
National Finance Alliance Pty Ltd
Credit Concierge Pty Ltd
Australian Finance Group Ltd and its subsidiaries and related businesses.
By accessing, viewing or otherwise using our website, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our website, as amended or modified from time to time. If you do not accept our Terms and Conditions of Use you are not authorised to use our website and should not continue to use it.
These are our current Terms and Conditions of Use and they replace any others which have appeared previously on our website. We may at any time vary these Terms and Conditions of Use by publishing the new version on our website. By accessing our website you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.
Any calculators or information provided on our website are provided for your convenience only and do not constitute credit or financial advice.
All reasonable care has been taken in preparing and designing the calculators and tools; however, Broli Finance provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.
The calculators are continually being improved and updated. To ensure you access the most current version, please do not reproduce them. You are welcome to link to the calculator landing pages, subject to the Linking to our website requirements set out below.
We cannot guarantee the security of any information you disclose online. By using our website, you acknowledge that you understand and agree to assume these risks. You agree that we shall not be responsible for any breach of security except in the case of our gross negligence or wilful misconduct.
If your browser is set up correctly, it should indicate whether the information you are sending us is secure (encrypted) or not (unencrypted). Where secure, we currently use SSL encryption.
You acknowledge that no method of transmission over the internet, or method of electronic storage, is 100% secure. While we use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
The internet is not a secure medium and communications to and from this website may be intercepted or altered in transit. We do not warrant that the website is free from anything which may damage any computer or other device which accesses the website or any data on such device.
There may be security risks in sending information via the internet. You should assess these potential risks when deciding whether to use our online services.
We may use artificial intelligence, machine learning and other automated tools (AI Tools) on or in connection with the Website. AI Tools may be used to:
(a) generate, summarise, translate, classify or moderate Website content;
(b) power chatbots, virtual assistants, search and recommendation features;
(c) help us triage enquiries, detect fraud, monitor security and improve user experience; and
(d) support internal business operations (including credit, compliance and analytics) in accordance with our Privacy Policy.
Our people will review all AI generated outputs prior to publishing on our Website.
Outputs are general only. Outputs generated by AI Tools may not always be accurate, current or appropriate for your circumstances and do not constitute financial, credit, taxation, legal or other professional advice. Before relying on any information generated or surfaced by an AI Tool, you should independently verify the information and obtain professional advice as appropriate.
No use of our content for AI training or scraping. You must not, without our prior written consent:
(a) use any automated system, robot, scraper, crawler, agent, large language model or other AI/machine-learning tool to access, copy, harvest, ingest, index, extract, mine or otherwise process content from the Website;
(b) use the Website or any Broli Finance Content (as defined in clause 13) to train, fine-tune, ground, augment or otherwise develop or evaluate any AI or machine-learning model, dataset, foundation model or generative tool; or
(c) submit AI-generated content to us, or use AI Tools to interact with the Website, in a way that misrepresents its origin or that you know, or reasonably ought to know, would mislead us, our brokers, our customers or any other person.
Reservation of rights. We expressly reserve all rights, including text and data mining rights and our rights under the Copyright Act 1968 (Cth), in relation to the Website and Broli Finance Content. Nothing on the Website grants you any licence to use Broli Finance Content for the purposes set out in clause 9.3.
Liability. To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, any AI-generated output accessed through the Website.
Broli Finance publishes electronic addresses on this website to facilitate communication relating to our business functions. This is not to be inferred as consent by Broli Finance or the relevant addressees to receiving unsolicited commercial electronic messages or spam.
Our website may contain links to other websites operated by third parties that are not owned or controlled by Broli Finance. These links are provided for convenience and do not signify that we endorse or approve of the operators of any third party websites, or the information and material featured on them. We have no control over the nature, content or availability of those sites.
To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites, including but not limited to their privacy policies, security practices or terms of service.
We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.
Please report any broken links to marketing@afgonline.com.au
If you access our website from a mobile device, you may not be able to access the full range of services which are ordinarily available. If you are unable to view relevant information, you will need to access our website from a computer.
Our website is provided for use by Australian residents only, and the products and services described are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our website from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.
The information contained on our website has been prepared in accordance with the laws applicable to the Commonwealth of Australia. When you use the website, you accept that your use of the website, any information on the website, and these Terms will be governed by the laws of Australia.
Any dispute or claim arising out of or in connection with these Terms shall be governed by and construed in accordance with the laws of Australia, and the Australian courts will have exclusive jurisdiction over any claim arising from or related to a visit to the website, although we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. Some products may be subject to a licence agreement between you and them.
To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them.
While we have taken care to ensure the accuracy of information on our website, we do not warrant the accuracy, adequacy or completeness of that information, or that it is suitable for your intended use. All information is subject to change without notice.
We recommend that you seek independent advice before acting upon any information on our website.
We do not guarantee that our website is free from viruses, or that access to our website will be uninterrupted.
You acknowledge and agree that your use of our website is at your own risk. You must ensure that the process you use for accessing our website does not expose you to the risk of viruses or other forms of interference which may damage your computer system.
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our website or your use of our website or any modification, suspension or discontinuance of our website — whether in contract, tort including negligence, statute or otherwise.
Our liability for a breach of a condition or warranty implied by law and which cannot be excluded is limited to the extent possible, at our option, to:
the resupply of the goods or services
the repair of the goods or services
the payment of the cost of having the goods or services supplied again or repaired
All information, material, text and graphics on our website are the intellectual property of Broli Finance unless stated otherwise and are protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.
You must not in any form or by any means commercialise any information, products or services obtained from our website without our prior written permission. Our website includes registered trademarks owned by us or our licensors. You must not use any of our trademarks in any way without our prior written consent.
If you wish to reproduce any of our content you must first request our permission by contacting marketing@afgonline.com.au. If permission is granted, you must give appropriate attribution to the author, firm and date of first publication.
You must not link to our website without our prior written permission. If permission is granted, it is your responsibility to maintain the currency of your links. Please contact marketing@afgonline.com.au to request permission.
When referring to our publications or downloadable documents, please link to the relevant webpage on the Broli Finance website that contains the download link. This ensures users always access the most up to date information and prevents broken links if page content changes.