Welcome to the Kookaburra Home Loans portal (the “Portal”). The Portal is owned and operated by Kookaburra Mortgage Fund Pty Ltd ABN 12 345 678 910.

By accessing or using this Portal, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not use the Portal.

1. The Role of the Portal

The Kookaburra Home Loans Portal is a technology platform that connects users (borrowers) with third-party finance brokers and lenders. Kookaburra Home Loans is not a finance broker, a credit provider, or a party to any loan agreement. We do not provide financial, legal, or credit advice. Our role is strictly limited to facilitating communication and information exchange between you and the third-party service providers.

• Disclaimer: We do not endorse, guarantee, or assume responsibility for the services, advice, or loan products offered by any third-party broker or lender on our Portal. The decision to engage with a third party is entirely at your own risk.
• Limitation of Liability: Kookaburra Home Loans, its directors, employees, and agents, will not be liable for any loss, damage, or injury (including but not limited to financial loss, lost profits, or data loss) that you suffer in connection with your use of this Portal or your dealings with any third-party broker or lender.

2. User Responsibilities and Conduct

• User Account: To use certain features of the Portal, you may be required to create an account. You must be at least 18 years of age and a resident of Australia to create an account. You are responsible for maintaining the confidentiality of your account details and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use.
• Accuracy of Information: You agree to provide accurate, truthful, and complete information when using the Portal, particularly when submitting information for loan inquiries. We rely on this information to connect you with suitable brokers and lenders. You are solely responsible for any consequences arising from providing false or misleading information.
• Prohibited Activities: You agree not to use the Portal to:
  • Engage in any illegal or fraudulent activity.
  • Post or transmit any content that is false, defamatory, obscene, or infringing on intellectual property rights.
  • Introduce viruses, malware, or any other harmful code.
  • Interfere with the operation of the Portal or the experience of other users.

3. Services Offered by Third Parties

The Portal provides access to services from independent third parties, including:

• Finance Brokers: Professionals who may assess your financial situation, recommend loan products, and assist with your application.
• Lenders: Financial institutions that offer and provide loan products.
• Other Service Providers: Valuers, accountants, or other professionals who may be part of the loan application process.

Your engagement with these third parties is governed by their separate terms of service and privacy policies. Kookaburra Home Loans is not responsible for the content, accuracy, or legality of their services.

4. Fees and Payments

The Kookaburra Home Loans Portal is free for users seeking a loan. We may receive commissions or referral fees from third-party brokers or lenders. These fees are not paid by you directly to us and do not influence our platform’s algorithms for matching you with service providers.

Any fees or charges for services provided by a third-party broker or lender will be clearly disclosed to you by that party, as part of their separate agreement with you.

5. Intellectual Property

The content, design, and software of the Kookaburra Home Loans Portal, including all text, graphics, and logos, are the property of Kookaburra Pty Ltd and are protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from any part of the Portal without our express written permission.

6. Privacy

Your use of the Portal is also governed by our separate Privacy Policy, which is available on our website. Our Privacy Policy explains how we collect, use, and disclose your personal information and your rights in relation to that information. By using the Portal, you consent to the collection and use of your information as described in our Privacy Policy.

7. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of New South Wales, Australia. Any dispute arising from these terms will be subject to the exclusive jurisdiction of the courts of New South Wales.

If you have a complaint about the Portal, please contact us at info@kookaburrahomeloans.com.au. We will make a reasonable effort to resolve your complaint directly.

8. Changes to These Terms

We may update these Terms and Conditions at any time. We will post the revised terms on this page and update the “Effective Date.” Your continued use of the Portal after any changes indicates your acceptance of the new terms.