Effective date: 28 September 2025
Kaleo Finance (“we”, “us”, “our”) is an authorised credit representative of Australian Financial Services Group Pty Ltd (ACL 123456). These Terms & Conditions govern the use of our website and services. By accessing or using our website, you agree to these terms. If you do not agree, please do not use our website or services.
1) General Information
The information provided on this website is of a general nature only and does not take into account your personal circumstances, financial objectives, or needs. While we aim to keep content accurate and up to date, we do not warrant that all information is free from error or omission. You should seek personalised financial advice before making any financial decisions.
2) Eligibility and Use
Our services are intended for individuals within Australia who are seeking credit assistance or mortgage broking services. You must be over 18 years of age and legally capable of entering into binding agreements to use our services. By engaging with us, you confirm that the information you provide is accurate and complete.
3) No Financial Advice
Nothing on our website should be taken as personal financial, legal, or taxation advice. Any calculators, tools, or resources provided are for illustrative purposes only. We strongly recommend obtaining independent professional advice before acting on any information provided by Kaleo Finance.
4) Intellectual Property
All content on this website, including text, graphics, logos, icons, images, and software, is the property of Kaleo Finance or our licensors unless otherwise stated. You may view and print content for personal use only. You may not reproduce, distribute, modify, or commercially exploit our content without prior written consent.
5) Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which sets out how we collect, use, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles. By using our services, you consent to the handling of your personal information as described in our Privacy Policy.
6) Third-Party Links and Services
Our website may contain links to third-party websites or services. These are provided for convenience only. We are not responsible for the accuracy, security, or content of external websites and do not endorse or accept liability for third-party products or services. You access third-party websites at your own risk.
7) Liability Disclaimer
To the maximum extent permitted by law, Kaleo Finance excludes all liability for any direct, indirect, or consequential loss, damage, cost, or expense arising from your use of our website or services. This includes reliance on information provided, errors, omissions, or interruptions. We do not guarantee that our website will be free from viruses or technical issues.
8) Professional Standards and Compliance
As a member of the Mortgage & Finance Association of Australia (MFAA), Kaleo Finance adheres to professional conduct standards, ethical guidelines, and continuing education requirements. We are authorised under Australian Credit Licence ACL 123456 and maintain $20 million professional indemnity insurance coverage for your protection.
9) Indemnity
You agree to indemnify and hold harmless Kaleo Finance, its employees, representatives, and licensees from any claims, losses, damages, liabilities, or expenses arising out of your use of this website or services, your breach of these Terms & Conditions, or your violation of applicable laws.
10) Changes to Terms
We may update these Terms & Conditions at any time without prior notice. Changes will be effective once posted on our website. Continued use of our website after changes indicates acceptance of the updated terms.
11) Governing Law
These Terms & Conditions are governed by the laws of New South Wales, Australia. By using our website or services, you agree to submit to the exclusive jurisdiction of the courts of New South Wales.
12) Contact Us
If you have any questions about these Terms & Conditions, please contact:
Kaleo Finance
Email: karen@kaleofinance.com.au
Service area: Inner West, Eastern Suburbs, Northern Beaches, Hills District, Western Sydney, St George, Sutherland Shire, South West and surrounding Sydney metropolitan areas.