Welcome to Holy Finance! Before you use our services or website, please read the following terms and conditions. By engaging with us, you agree to the terms below.

1. Who We Are

Holy Finance is a mortgage and finance brokerage based in Australia. We help Australians access home loans, car loans, and other financial solutions through a panel of approved lenders.

2. Not Financial Advice

We provide general information and connect you with lenders — we do not offer financial, legal, or tax advice. You should seek independent professional advice before making financial decisions.

3. Our Services

We act as an intermediary between you and lenders. While we aim to present suitable options, the final decision and loan terms are between you and the lender.

4. Eligibility

To use our services, you must:

• Be 18 years or older

• Be an Australian resident

• Provide accurate and truthful information

We reserve the right to decline or discontinue service at our discretion.

5. Privacy

We respect your privacy. By using our services, you agree to our [Privacy Policy], which explains how we collect, store, and use your personal information.

6. No Guarantees

While we’ll do our best to help, we can’t guarantee loan approval or specific outcomes. Lenders have their own eligibility criteria and terms.

7. Website Use

All content on our website is for general information only. We don’t guarantee that everything is accurate or up to date. You use the site at your own risk.

8. Third-Party Links

Our site may contain links to external sites. We’re not responsible for their content or privacy practices.

9. Liability

We’re not liable for any loss or damage arising from your use of our services, website, or third-party providers — except where required by law (e.g. Australian Consumer Law).

10. Commission Disclosure

Holy Finance may receive commissions or incentives from lenders when a loan settles. Full details of any payments we receive will be disclosed to you in your Credit Quote and Credit Proposal prior to proceeding with any loan application.

11. Lender Responsibility Disclaimer

Loan approval decisions, interest rates, and conditions are made solely by the lender. Holy Finance does not control or influence lender outcomes and cannot guarantee any specific result.

12. Credit Reporting Consent

By using our services, you consent to us collecting, using, and disclosing your personal information as necessary to obtain and assess your credit information. This may include conducting credit checks in accordance with our Privacy Policy and relevant laws.

13. Client Responsibilities

You agree to provide complete and truthful information when requested. We rely on the accuracy of the details you supply. Holy Finance is not liable for any delays, failed applications, or inaccurate outcomes resulting from false, incomplete, or withheld information.

14. Termination

You may discontinue your use of our services at any time prior to submitting an application. Holy Finance also reserves the right to withdraw services or terminate engagements at its discretion, especially in cases of misuse, non-cooperation, or breach of these terms.

15. Jurisdiction

These terms are governed by the laws of New South Wales, Australia. Any disputes will be resolved in accordance with Australian law and consumer protection standards.

16. Changes to These Terms

We may update these terms from time to time. Any changes will be published on our website, and your continued use of our services will indicate acceptance of the updated terms.

17. Contact Us

Got questions? We’re always happy to help.

info@holyfinance.com.au