Terms and conditions

1. About us

This website is operated by Oui Finance Pty Ltd (ABN 48 655 648 098) ("Oui Finance", "we", "us" or "our"), an independent mortgage and finance broker based in Perth, Western Australia. Oui Finance is a Corporate Credit Representative (number 537796) authorised under Australian Credit Licence number 389328.

2. Acceptance of these terms

By accessing or using this website, you agree to be bound by these terms and conditions and our Privacy Policy. If you do not agree, please do not use the website.

3. Information, not personal advice

The content on this website is general information only. It does not take into account your objectives, financial situation or needs, and it is not credit assistance, financial advice, or a recommendation to enter into any credit contract or product.

Before acting on anything you read here, you should consider whether it is appropriate for your circumstances and, where relevant, seek advice tailored to you. Any credit assistance we provide will be given to you directly and documented separately. Lender credit criteria, terms and conditions, fees and charges apply to any loan, and your full financial situation must be reviewed before any offer or product is accepted.

4. Calculators and tools

Any calculators or tools on this website, including the repayment calculator, are provided to give general estimates only. They rely on the figures you enter and on assumptions such as a constant interest rate over the full term. They do not account for lenders mortgage insurance, fees, offset arrangements, rate changes or your borrowing capacity.

Results are not a quote, a loan approval, or an offer of credit, and should not be relied on as such. Actual figures depend on your circumstances and the lender's assessment, and should be confirmed with Oui Finance and your lender before you rely on them.

5. Acceptable use

You agree to use this website lawfully and not to:

• use it in a way that damages, disables or impairs the website or interferes with anyone else's use of it;
• attempt to gain unauthorised access to any part of the website or its systems;
• copy, reproduce or redistribute content except as permitted below; or
• use the website or its content for any unlawful or misleading purpose.

6. Intellectual property

Unless otherwise stated, all content on this website, including text, graphics, logos, and the Oui Finance name and branding, is owned by or licensed to Oui Finance and is protected by intellectual property laws. You may view and print content for your own personal, non-commercial use. You must not otherwise reproduce, modify or distribute it without our written permission.

7. Third-party links

This website may contain links to third-party websites, including lenders and government resources. We provide these links for convenience only. We do not control and are not responsible for the content, products or privacy practices of any third-party website, and a link does not imply endorsement.

8. Liability

We take reasonable care to keep the information on this website accurate and up to date, but we do not warrant that it is complete, current or error-free, or that the website will be available without interruption. To the maximum extent permitted by law, and subject to any rights you have under the Australian Consumer Law that cannot be excluded, Oui Finance is not liable for any loss or damage arising from your use of, or reliance on, this website or its content.

9. Privacy

We handle your personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). Please read the Privacy Policy to understand how we collect, use and protect your information.

10. Changes to these terms

We may update these terms from time to time. The current version will always be available on this page, with the "last updated" date shown at the top. Your continued use of the website after any change means you accept the updated terms.

11. Governing law

These terms are governed by the laws of Western Australia and the Commonwealth of Australia. You submit to the non-exclusive jurisdiction of the courts of Western Australia.

12. Contact us

If you have any questions about these terms, contact us at hello@ouifinance.com.au or write to Oui Finance, B2/431 Roberts Road, Subiaco WA 6008.