PROBIZ FINANCE

Terms and Conditions of Website Use

ABN: 52 661 057 647

Credit Representative Number: 542838

Authorised under Australian Credit Licence No.: 384704

Effective Date: 1 July 2025

Last Updated: June 2026

Important: By accessing or using probizfinance.com.au, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

1. About These Terms

These Terms and Conditions govern your use of the Probiz Finance website located at probizfinance.com.au (the “Site”) and are between you (“you”, “user”) and Probiz Finance ABN 52 661 057 647 (“we”, “us”, “our”).

These terms apply to all visitors, enquirers, and anyone who accesses or uses the Site. Please read them carefully before using the Site.

We may update these Terms and Conditions from time to time. The current version will always be available at probizfinance.com.au/terms-and-conditions. Continued use of the Site after any update constitutes acceptance of the revised terms.

2. Nature of Our Services

Probiz Finance is a finance brokerage. We act as an intermediary between borrowers and lenders. We do not provide financial advice within the meaning of the Corporations Act 2001 (Cth) and do not hold an Australian Financial Services Licence (AFSL).

We are authorised under Australian Credit Licence No. 384704 (Credit Representative Number 542838) to engage in credit activities including providing credit assistance in relation to credit contracts.

Nothing on this Site constitutes:

Financial product advice as defined under the Corporations Act 2001 (Cth)
A recommendation to acquire or dispose of any financial product
Legal, tax, accounting, or investment advice
An offer or invitation to enter into any credit contract

Any information on this Site is general in nature only. Before making any financial decision, you should consider your own circumstances and obtain independent professional advice where appropriate.

3. Calculator Disclaimer

All calculators on this Site — including the Loan Calculator and Stamp Duty Calculator — provide indicative estimates only. Results are not a quote, pre-approval, or offer of credit. They are not financial advice.

Calculator outputs are based on assumptions you provide and standard market inputs. They do not account for your individual financial circumstances, lender-specific criteria, fees, charges, or changes in interest rates. Actual loan amounts, repayments, interest rates, and stamp duty figures will vary depending on lender assessment and applicable state legislation at the time of application.

Probiz Finance accepts no liability for any decision made in reliance on calculator outputs. You should seek independent financial and legal advice before entering into any credit arrangement.

4. No Guarantee of Credit Approval

Information on this Site about loan products, approval timeframes (including references to “24-hour approvals” or “fast approvals”), interest rates, and lender criteria is indicative only. Approval of any credit application is subject to:

Individual lender assessment and credit policies
Your financial circumstances, credit history, and documentation provided
Lender-specific eligibility criteria at the time of application
Changes in lending conditions and regulatory requirements

Probiz Finance makes no guarantee, representation, or warranty that any application will be approved, or that any particular rate or product will be available to you.

5. Accuracy of Information

We take reasonable care to ensure the information on this Site is accurate and current at the time of publication. However, we do not warrant that all information is complete, accurate, or up to date. Financial products, interest rates, lender policies, and regulatory requirements change frequently.

You should verify all material information independently before relying on it. We accept no responsibility for any loss or damage arising from your reliance on information contained on this Site.

6. Use of the Site

Permitted use

You may use this Site for lawful purposes only and in a manner consistent with these Terms. You must not:

Use the Site in any way that violates applicable Australian or international laws or regulations
Submit false, misleading, or fraudulent information through any form on the Site
Attempt to gain unauthorised access to any part of the Site or its systems
Use automated tools, bots, or scrapers to extract data from the Site without our express written consent
Transmit any harmful, offensive, or disruptive content through the Site
Reproduce, distribute, or commercially exploit any content from the Site without our prior written permission

Enquiry forms

When you submit an enquiry, booking, or eligibility form on this Site, you confirm that:

The information you provide is accurate and complete to the best of your knowledge
You are 18 years of age or older
You consent to Probiz Finance contacting you by phone or email in relation to your enquiry
You have read and agree to our Privacy Policy available at probizfinance.com.au/privacy-policy

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, page layouts, and software — is owned by or licensed to Probiz Finance and is protected by Australian and international copyright law.

You may view and print content from this Site for your own personal, non-commercial use only. You must not:

Copy, reproduce, or republish any content without our express written consent
Use any Probiz Finance trademarks, logos, or branding without prior written permission
Modify, adapt, or create derivative works based on Site content

Nothing on this Site grants you any licence or right to use our intellectual property beyond what is expressly stated here.

8. Third-Party Links and Services

This Site may contain links to third-party websites or embed content from third-party platforms (including GoHighLevel for booking and consultation forms, and Trustindex for review widgets). These third-party services are not operated by us and we have no control over their content or practices.

Links to third-party sites are provided for convenience only and do not constitute endorsement of those sites or their content. We accept no responsibility for:

The accuracy, completeness, or reliability of any third-party content
The privacy practices of any third-party platform
Any loss or damage arising from your use of third-party sites or services

Your use of third-party services linked from or embedded in this Site is subject to those services’ own terms and conditions and privacy policies.

9. Limitation of Liability

To the maximum extent permitted by law, Probiz Finance excludes all liability for any loss or damage of any kind arising from:

Your use of, or inability to use, this Site
Reliance on any information, calculator output, or content on this Site
Any interruption, error, omission, or delay in the operation of the Site
Any virus, malicious code, or security breach affecting your device through use of the Site
Any decision made in connection with an enquiry submitted through the Site

Nothing in these Terms limits or excludes any rights you may have under the Australian Consumer Law or any other non-excludable statutory guarantee that cannot be excluded by contract.

10. Privacy

Your use of this Site is also governed by our Privacy Policy, available at probizfinance.com.au/privacy-policy. The Privacy Policy explains how we collect, use, store, and share your personal information, including information submitted through our website forms and collected through third-party platforms such as GoHighLevel.

By using this Site, you consent to the collection and use of your information as described in the Privacy Policy.

11. Complaints and Disputes

If you have a complaint about our services or the conduct of our staff, please contact us directly in the first instance:

Email: admin@probizfinance.com.au

Phone: 0415 929 728

Post: 5 Abbey Ct, Ringwood VIC 3134

We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If we are unable to resolve your complaint to your satisfaction, you may refer the matter to:

Australian Financial Complaints Authority (AFCA)

AFCA provides free, fair, and independent dispute resolution for financial complaints.

Website: www.afca.org.au
Phone: 1800 931 678
Post: GPO Box 3, Melbourne VIC 3001

Office of the Australian Information Commissioner (OAIC)

For privacy-related complaints that we have not resolved to your satisfaction:

Website: www.oaic.gov.au
Phone: 1300 363 992

12. Governing Law

These Terms and Conditions are governed by the laws of Victoria, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of Victoria for the resolution of any dispute arising under these Terms.

13. Contact Us

For any questions about these Terms and Conditions, please contact:

Business: Probiz Finance