Terms of Use

These Terms of Use ("Terms") govern your access to and use of the loangorilla.com.au website, tools, calculators, comparison tables and related services (together, "Services").

By accessing or using our Services, you agree to be bound by:

• These Terms; and
• our Privacy Policy.

If you do not agree, you must not use our Services.

We may update these Terms from time to time. The "Last updated" date shows the latest version. If changes are material, we may notify you via the website or email. Your continued use of the Services after changes take effect constitutes your acceptance of the updated Terms.

loangorilla.com.au operates as an online loan comparison and broker service in Australia.

We:

• Provide comparison information, tools and calculators about car finance products and related services;
• May, at your request, arrange or assist you to apply for finance with one or more credit providers or credit assistance providers;
• Are not a bank or credit provider and do not ourselves approve or fund loans.

Any loan or credit contract you enter into is between you and the relevant credit provider and is subject to that provider's terms, conditions and credit assessment criteria.

By using our Services, you confirm that:

• You are at least 18 years old; and
• You will use the Services in compliance with these Terms and with applicable laws.

You agree that you will not:

• Use the Services for unlawful, fraudulent or harmful purposes;
• Misrepresent your identity or provide false or misleading information;
• Interfere with or disrupt the operation of the Services (including by attempting to gain unauthorised access or by using automated tools to scrape or harvest data);
• Use the Services for any commercial purpose without our prior written consent.

You are responsible for:

• Ensuring that any information you provide is accurate and complete; and
• Keeping any login or access credentials secure and confidential.

The information on our website, including comparison tables, calculators and content:

• Is general in nature;
• Does not take into account your personal objectives, financial situation or needs; and
• Is not personal financial, credit, taxation or legal advice.

You should:

• Consider whether any information is appropriate to your circumstances; and
• Obtain independent professional advice (for example from a licensed financial adviser or credit assistance provider) before acting on information or applying for a product.

You must read the full terms, conditions, fees and product disclosures of any loan or credit product before deciding whether to proceed.

Our comparison tables and content include information about products offered by third‑party credit providers and intermediaries.

We aim to present accurate and current information, but:

• We do not guarantee that all available products or providers in the market are included;
• We do not guarantee that product information (including rates, fees and features) is always up to date; and
• Product details may change at any time without notice.

You should confirm all details with the relevant provider (including rates, fees, eligibility criteria and terms) before applying.

Our Services may contain links to third‑party websites. We do not control and are not responsible for:

• The content, security, accuracy or availability of those websites; or
• Any products, services or actions of third parties.

Inclusion of a product or link does not constitute our endorsement or recommendation.

We may receive fees, commissions or other benefits from third‑party credit providers, credit assistance providers or other partners when:

• You click through to their website;
• You apply for, are approved for, or settle a product; or
• We otherwise introduce you to them.

We may also receive fees for advertising or sponsored placement on our site.

Product ordering and display on our comparison tables may consider a mix of:

• Price (e.g. comparison rate),
• Features and benefits,
• Relevance to your inputs, and
• Commercial arrangements.

We aim to be transparent and consumer‑first, but we do not guarantee that the ordering or prominence of any product equates to its suitability for your specific situation. You can request more information about our remuneration and relationships in respect of particular products by contacting us.

We do not charge you a fee for using our comparison tools.

Our calculators and tools (including repayment, borrowing power, refinance, balloon and comparison‑rate calculators):

• Are provided for information and illustration only;
• Are based on assumptions and inputs you provide; and
• Do not guarantee that you will be eligible for, or receive, any particular product, rate or outcome.

Actual loan terms, rates, fees and repayments are determined by the relevant credit provider and may differ from any estimates you obtain via our tools.

Unless otherwise stated, all content on our website and Services (including text, graphics, logos, icons, tools, calculators and software) is owned by us or used under licence.

You may:

• Access and use the Services for your personal, non‑commercial use; and
• Print or download content for personal reference, provided you do not remove any copyright notices.

You must not, without our prior written consent:

• Copy, reproduce, adapt, publish, distribute or create derivative works from our content;
• Use automated means (including scripts, bots or scraping tools) to access, copy or monitor any part of the Services;
• Use our name, logo or branding in a way that implies endorsement of any other product or service.

Third‑party trademarks and logos remain the property of their respective owners.

Our handling of personal information is governed by our Privacy Policy.

By using our Services, you consent to the collection, use and disclosure of your personal information as described in that policy, including disclosure to credit providers, credit assistance providers and other third parties where you request or authorise it.

To the maximum extent permitted by law:

• The Services and all content are provided "as is" and "as available", without any warranties or representations of any kind, express or implied.
• We do not warrant that the Services will be uninterrupted, error‑free, secure or free from viruses or other harmful components.
• We do not guarantee the accuracy, completeness, reliability or timeliness of information on the site, or that any product displayed will be suitable for you or available to you.

To the extent permitted by law, we are not liable for any loss, damage, cost or expense (including indirect or consequential loss, loss of data, loss of profits or business interruption) arising from or in connection with:

• Your use of, or reliance on, the Services or any information on our site;
• Any act or omission of a third‑party credit provider, broker or service provider;
• Any interruption, delay, failure or fault in the Services or any linked website.

Nothing in these Terms excludes or limits any rights or remedies you may have under the Australian Consumer Law or other laws that cannot be excluded. Where our liability cannot be excluded but can be limited, it is limited to (at our option):

• Re‑supplying the relevant Services; or
• Paying the cost of having the Services re‑supplied.

You agree to indemnify and hold harmless loangorilla.com.au, our related entities (if any) and our officers, employees and agents from and against any loss, damage, claim, liability, cost or expense (including reasonable legal costs) arising out of or in connection with:

• Your use of the Services;
• Your breach of these Terms; or
• Your violation of any law or the rights of any third party.

This indemnity does not apply to the extent that the loss is caused by our negligence or wilful misconduct.

We may, at any time and without notice, suspend, restrict or terminate your access to all or part of the Services if we reasonably believe that:

• You have breached these Terms;
• You are using the Services for unlawful or improper purposes; or
• It is necessary for security, maintenance or operational reasons.

We may also modify, suspend or discontinue any part of the Services at any time without notice.

You may stop using the Services at any time. Sections of these Terms that by their nature should survive termination (including limitations of liability and indemnities) will remain in effect.

These Terms are governed by the laws of Queensland, Australia. You submit to the non‑exclusive jurisdiction of the courts of that State or Territory and the courts of appeal therefrom.

If you have questions about these Terms or our Services, contact support@loangorilla.com.au