Hayes Finance Website and Service Terms & Conditions

Last updated: 10/09/2025

1. Acceptance of Terms By accessing and using this website (www.hayesfinancegroup.com.au) and/or engaging the services of Hayes Financial Group Pty Ltd ABN 27 625 818 064 (“we”, “us”, “our”), you agree to be bound by these Terms and Conditions.
2. Our Services We provide credit assistance services as a mortgage broker. Our role is to act as an intermediary between you (the client) and a panel of lenders to assist you in obtaining a loan. We do not provide financial, legal, or taxation advice. We strongly recommend you seek independent professional advice regarding these matters. Our services do not constitute an offer or guarantee of credit; the final decision to approve any loan application rests solely with the lender.
3. Client Obligations You agree to provide us with complete, accurate, and truthful information regarding your identity, financial situation, objectives, and needs. The success and timeliness of any loan application are dependent on your prompt and honest provision of all required information and documentation.
4. Limitation of Liability The information provided on this website, including articles and calculator results, is for general informational purposes only and does not constitute financial advice. While we take all reasonable care to ensure the information is accurate and up-to-date, we make no warranties as to its accuracy or completeness. To the extent permitted by law, we are not liable for any loss or damage arising from the use of this website or reliance on its content. Our liability in relation to the provision of our services is limited to the extent permissible under the Australian Consumer Law (ACL). Our goods and services come with guarantees that cannot be excluded under the ACL.
5. Privacy We collect and handle your personal information in accordance with our Privacy Policy, which is available on this website. By engaging our services, you consent to the collection, use, and disclosure of your personal information as outlined in our Privacy Policy.
6. Our Fees and Commissions In most circumstances, our credit assistance service is provided at no cost to you. We are paid a commission by the lender upon the successful settlement of your loan. We will provide you with a Credit Guide and a written quote that clearly discloses all commissions we expect to receive and any fees that may be payable by you before you proceed with a loan application.
7. Intellectual Property All content on this website, including text, graphics, logos, and calculators, is the property of [Hayes Finance] and is protected by copyright law. You may not reproduce, distribute, or transmit any part of this website without our prior written consent.
8. Dispute Resolution If you have a complaint about our services, please contact us directly so we can seek to resolve it. We are a member of the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme. If we are unable to resolve your complaint to your satisfaction, you may refer the matter to AFCA.
9. Governing Law These Terms and Conditions are governed by and construed in accordance with the laws of the state of Canberra, Australia. You agree to submit to the exclusive jurisdiction of the courts of that jurisdiction.