Terms and Conditions

Last updated: 7/17/2025

1. About Our Service

Momentum Loans ("we", "us", "our") operates as a referral service connecting potential borrowers with licensed financial institutions and lenders. We do not:

• Provide loans or credit facilities directly
• Make lending decisions
• Guarantee loan approvals
• Set interest rates or loan terms
• Act as a credit provider under the National Consumer Credit Protection Act

2. Our Role

We provide the following services:

• Collection of your loan application information
• Matching you with potentially suitable lenders
• Forwarding your information to selected lenders
• Facilitating initial contact between you and lenders
• Providing general information about loan products

3. Your Responsibilities

By using our service, you agree to:

• Provide accurate and complete information
• Conduct your own due diligence on any lender or loan product
• Seek independent financial advice if needed
• Read and understand all loan terms before signing
• Deal directly with lenders for all loan-related matters
• Not hold us responsible for lender decisions or loan terms

4. Information Sharing

By submitting an application, you consent to us sharing your information with:

• Licensed lenders and financial institutions
• Credit assessment services
• Verification services
• Our service providers and contractors

5. No Guarantees

We make no guarantees regarding:

• Loan approval or rejection
• Interest rates or loan terms offered
• Speed of lender response
• Suitability of any particular lender or product
• Accuracy of third-party information

6. Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for:

• Decisions made by lenders
• Terms and conditions of loans
• Conduct of third-party lenders
• Any loss or damage arising from use of our service
• Delays or failures in service delivery

7. Privacy

Your privacy is important to us. Please read our Privacy Policy to understand how we collect, use, and protect your information.

8. Governing Law

These terms are governed by Australian law. Any disputes will be subject to the jurisdiction of Australian courts.

9. Changes to Terms

We may update these terms from time to time. Continued use of our service constitutes acceptance of any changes.

10. Contact Us

If you have questions about these terms, please contact us through our website or customer service channels.