1. Acceptance and changes

By accessing or using this website, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the website.

We may update these Terms by publishing a revised version. Changes take effect from the stated effective date. Your continued use after that date constitutes acceptance of the updated Terms.

2. Website content is general information

Website content is general only and does not constitute financial, credit, legal, tax, accounting, investment or valuation advice. It does not take account of your objectives, financial situation, needs or risk profile.

We may update, withdraw or correct content without notice. You should verify material information and obtain appropriate independent advice before acting. See our Website Disclaimer for more information.

3. Forms, enquiries and finance discussions

A website submission or discussion is an enquiry only. It is not a formal approval, offer, credit contract, commitment or guarantee of finance. Any finance remains subject to lender criteria, verification, valuation, due diligence, acceptable security, documents, conditions and final approval.

You agree that information you provide will be accurate, current and complete to the best of your knowledge and that you are authorised to provide it. Do not send confidential documents through a general enquiry form unless requested and an appropriate method has been provided.

We may decline, stop or refer an enquiry at our discretion, subject to applicable law. We do not guarantee a particular lender, product, rate, amount, term, valuation or settlement timeframe.

4. Permitted and prohibited use

We grant you a limited, non-exclusive, revocable and non-transferable permission to access and use this website for lawful personal or internal business purposes.

You must not:

• use the website unlawfully, fraudulently or to infringe another person’s rights;
• provide false, misleading or unauthorised information;
• attempt to gain unauthorised access to the website, accounts, systems or data;
• introduce malicious code, scrape at unreasonable volume, disrupt performance or bypass security controls;
• misrepresent an association with Zip Funding; or
• copy, republish or commercially exploit content except as permitted by law or with our written consent.

5. Intellectual property

Unless otherwise stated, Basic Finance Pty Ltd or its licensors own the website and its content, including text, design, graphics, logos and software. Trade marks remain the property of their respective owners.

You may make a temporary copy or print reasonable extracts for personal or internal reference. No other licence or transfer of intellectual property rights is granted.

6. Lenders, providers and third-party links

Lenders and other third parties are independent and operate under their own criteria, terms and privacy practices. Links and references are provided for convenience and do not constitute a warranty or endorsement. We are not responsible for third-party content, decisions, systems or availability.

We may receive a fee, commission or benefit from a lender or service provider in connection with a referral or completed transaction. Relevant disclosures will be made where required. You remain free to seek other providers.

7. Privacy and electronic communications

Our Privacy Policy explains how we handle personal information. By submitting an enquiry, you ask us to contact you using the details supplied. You may opt out of marketing communications at any time, but we may still send communications necessary to administer an enquiry.

8. Website availability and security

We use reasonable care in operating the website but do not guarantee continuous, secure or error-free access. We may suspend, restrict, modify or discontinue any part of the website for maintenance, security, legal or operational reasons.

You are responsible for your device, internet connection, security controls and backups.

9. Liability, non-excludable rights and indemnity

To the maximum extent permitted by law, Basic Finance Pty Ltd excludes liability for loss arising solely from reliance on general website content; unauthorised or prohibited use; third-party sites or decisions; or interruption and events beyond our reasonable control.

Nothing in these Terms excludes, restricts or modifies a guarantee, right, remedy or liability that cannot lawfully be excluded, including applicable rights under Australian law. Where liability can lawfully be limited, it is limited to the maximum extent permitted by law.

You indemnify Basic Finance Pty Ltd against direct loss reasonably incurred because of your unlawful misuse of the website, material breach of these Terms or infringement of another person’s rights, except to the extent the loss was caused by our negligence, unlawful conduct or breach.

10. Severability and waiver

If a provision is invalid or unenforceable, it will be read down to the minimum extent necessary or severed, and the remaining provisions continue. A failure or delay to enforce a right is not a waiver.

11. Governing law

These Terms are governed by the laws of Victoria, Australia. Subject to any applicable non-excludable rights, the courts of Victoria and courts entitled to hear appeals from them have jurisdiction.