Terms & Conditions of Service

Home Loan Harry
Last updated: 07/11/2025

These Terms & Conditions (“Terms”) govern your use of the Home Loan Harry website (“the Site”) and any services we provide (“Services”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must stop using the Site immediately.

Home Loan Harry (“we”, “us”, “our”) operates as a marketing and lead-generation service only. We are not a credit provider, lender, mortgage broker, or financial adviser.

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1. About Our Service

Home Loan Harry provides:

• Online enquiry forms

• Lead submission and forwarding

• General information about home loans

• Introductions to third-party mortgage brokers or lending professionals (“Broker Partners”)

We do not offer:

• Credit advice

• Financial advice

• Loan recommendations

• Product comparisons

• Loan approvals

• Assistance with credit applications

Any credit assistance you receive is provided solely by licensed third-party brokers or credit representatives, not by us.

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2. No Financial or Credit Advice

Nothing on our Site is financial, legal, or credit advice.

All content is:

• General in nature

• Not tailored to your situation

• Not a recommendation

• Not a representation of loan suitability

• Not to be relied upon when making financial decisions

You should seek independent professional advice before entering any credit contract.

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3. Eligibility

By using the Site, you confirm that:

• You are at least 18 years old

• You are an Australian resident or legally able to submit an enquiry in Australia

• The information you submit is true and accurate

• You have the authority to provide the personal information submitted

We may refuse service to anyone at our discretion.

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4. Submitting an Enquiry

When you submit an enquiry through our forms, you:

• Consent to your information being shared with one or more Broker Partners

• Understand that a broker may contact you by phone, SMS, or email

• Acknowledge that we do not guarantee loan approval, suitability, or outcomes

• Agree that submission does not create a client relationship with us

You are responsible for ensuring your contact details are accurate.

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5. Lead Distribution

We match your enquiry to a Broker Partner based on factors such as:

• Your location

• Loan purpose

• Availability of Broker Partners

• Business rules set within our CRM

Once your information is passed on, that broker becomes the responsible party for any credit-related assistance.

We do not guarantee:

• Response time

• Service quality

• Loan availability

• Rates or outcomes

• That a broker will accept your application

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6. Third-Party Brokers and Partners

We work with independent third-party brokers.

We are not responsible for:

• Their advice

• Their conduct

• Their credit assessments

• Their fees

• Their documentation

• Their privacy practices

• Their compliance with Australian credit laws

Your relationship with any broker is separate and governed by their own terms and privacy policies.

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7. Accuracy of Information

We attempt to keep the information on the Site accurate and up-to-date, but:

• We do not guarantee accuracy, completeness, or reliability

• Loan products, lending criteria, and interest rates change without notice

• Any examples or scenarios are illustrative only

We accept no liability for reliance on Site content.

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8. Your Responsibilities

You agree not to:

• Use the Site for unlawful purposes

• Submit false or misleading information

• Interfere with the Site’s security or functionality

• Attempt to copy, scrape, or reverse-engineer the Site

• Harass or abuse staff, partners, or brokers

Failure to comply may result in termination of access.

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9. Intellectual Property

All content, branding, graphics, and text on the Site are owned or licensed by Home Loan Harry.

You must not:

• Copy

• Reproduce

• Distribute

• Modify

• Reupload

• Republish

any part of the Site without written permission.

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10. Marketing & Communications

By submitting your enquiry, you consent to receiving:

• Emails

• SMS messages

• Phone calls

• Retargeting or remarketing ads

You can opt out of marketing at any time using the instructions provided in our communications.

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11. Limitation of Liability

To the fullest extent permitted by Australian law:

• We are not liable for any loss, damage, cost, or claim arising from your use of the Site or Services

• We do not guarantee any financial outcomes

• We do not guarantee loan approval or suitability

• We are not liable for actions, advice, or conduct of Broker Partners

Your use of the Site is at your own risk.

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12. Indemnity

You agree to indemnify and hold Home Loan Harry harmless from any claims, losses, or damages arising from:

• Your use of the Site

• Your breach of these Terms

• Your interactions with Broker Partners

• Any misleading or false information you submit

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13. Termination

We may suspend or terminate your access at our discretion, including for:

• Violating these Terms

• Submitting false information

• Misusing the Site

• Attempted abuse of systems or staff

Termination does not limit any rights we may have under law.

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14. Third-Party Links

Our Site may link to external websites. We do not:

• Endorse these sites

• Control their content

• Accept responsibility for their practices

You should review their terms and privacy policies before engaging with them.

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15. Governing Law

These Terms are governed by the laws of:

Australia
and
The State or Territory in which you reside

Any disputes will be handled exclusively in Australian courts.

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16. Changes to These Terms

We may update these Terms at any time without prior notice.
The updated version will be posted on the Site with a revised “Last updated” date.

Your continued use of the Site constitutes acceptance of the updated Terms.

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17. Contact Us

For questions about these Terms, contact:

Home Loan Harry
Email: hello@homeloanharry.com.au
Website: www.homeloanharry.com.au