These terms govern your use of Loan Platform Australia. By accessing or using our service, you agree to be bound by these terms. Please read them carefully.
Last Updated: January 2025
Loan Platform Australia is a comparison service only. We do not issue loans, make credit decisions, or determine interest rates. All loan applications are submitted directly to ASIC-licensed lenders, who make independent lending decisions based on their own criteria.
By accessing or using Loan Platform Australia (the "Platform"), operated by Maloni s.r.o., you agree to:
If you do not agree to these terms, you must not use the Platform.
To use the Platform and submit loan applications, you must:
Note: Lenders may have additional eligibility requirements. Meeting our criteria does not guarantee loan approval.
Loan Platform Australia provides the following services:
We explicitly do NOT:
When using the Platform, you agree to:
You must provide truthful, accurate, and complete information in all applications. Providing false or misleading information may constitute fraud and can result in legal consequences.
You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.
You must not use the Platform for any illegal purpose, including but not limited to fraud, money laundering, identity theft, or violations of the NCCP Act.
All content, trademarks, and intellectual property on the Platform belong to Maloni s.r.o. or our licensors. You may not copy, reproduce, or distribute our content without written permission.
You must not attempt to gain unauthorised access to the Platform, other users' accounts, or our systems through hacking, scraping, or any other means.
We receive commissions from lenders when users successfully obtain loans through our referrals. These commissions do not affect the interest rate or terms you receive, nor do you pay any fees to use our Platform. See our Disclosures for more details.
Lenders make independent decisions about loan approvals, interest rates, and terms. We do not influence these decisions. Submitting an application through our Platform does not guarantee approval.
Once you proceed to a lender's website or accept a loan offer, you enter into a direct relationship with that lender. Their terms, conditions, and privacy policy apply. We are not responsible for lender conduct, loan servicing, or disputes.
We only refer users to lenders who hold a valid Australian Credit Licence (ACL) issued by ASIC. However, we do not guarantee lenders' ongoing compliance or performance.
We do not guarantee that you will be approved for a loan, that you will receive a specific interest rate or loan amount, or that the Platform will always be available without interruption.
While we strive to provide accurate and up-to-date information, we do not warrant that all information on the Platform is complete, correct, or current. Lender rates and terms may change without notice.
Content on the Platform is for general information only and does not constitute financial, legal, or tax advice. You should consult a licensed financial adviser or counsellor before making borrowing decisions.
The Platform may contain links to third-party websites (including lenders). We are not responsible for the content, accuracy, or practices of these external sites.
To the maximum extent permitted by Australian law:
We are not liable for any actions, omissions, decisions, or conduct of lenders, including but not limited to denial of applications, interest rates charged, loan terms, customer service, or breach of contract.
We are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Platform, including loss of income, credit score impacts, or financial losses.
We are not liable for any losses resulting from Platform downtime, technical errors, data breaches (subject to our Privacy Policy obligations), or security vulnerabilities.
Note: This limitation does not exclude liability that cannot be excluded under Australian Consumer Law, such as liability for misleading or deceptive conduct.
You agree to indemnify and hold harmless Maloni s.r.o., its officers, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:
You may stop using the Platform at any time. To request deletion of your data, see our Privacy Policy.
We may suspend or terminate your access to the Platform at any time if you violate these terms, engage in fraudulent activity, or for any other reason at our sole discretion.
Upon termination, your right to use the Platform ceases immediately. Sections of these terms that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) will remain in effect.
These Terms of Service are governed by the laws of Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Australia.
If you have a complaint or dispute:
We may update these Terms of Service from time to time. When we make material changes:
Your continued use of the Platform after changes take effect constitutes acceptance of the updated terms.
For questions or concerns about these Terms of Service, please contact us:
By using our Platform, you agree to these terms. Compare ASIC-licensed lenders with confidence.