1. Introduction

This website (the Site) is owned and operated by 121 Brokers Pty Ltd (ABN 37 674 323 712) and its related entities (121 Brokers, we, us, our). All access to and use of the Site is subject to these Terms of Use (Terms).

• By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must not use the Site.
• The Site is intended for Australian residents aged 18 years and over. Content, products and pricing may change at any time without notice.
• We may update these Terms from time to time. The updated Terms apply from the date they are posted on this page. Your continued use of the Site constitutes acceptance of the updated Terms.

2. Privacy policy

Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, disclose and protect personal information.

3. Third-party products

• You may enquire about or apply for products and services provided by third parties through the Site. We do not control those third parties. You should assess whether a product is suitable for your circumstances and read their terms (including any Product Disclosure Statement or credit guide) before proceeding.
• All product prices are in Australian dollars unless stated otherwise.
• We are not responsible for any decision you make after using the Site or for the acts, omissions, errors or default of any third party.
• Submitting your details via the Site allows you to make an offer to a provider. A contract is formed only when the provider accepts your offer on its terms. You will receive confirmation from the provider if your offer is accepted.

4. Our service and how we are paid

• We provide tools and broking services to help you research finance options and connect with lenders and service providers.
• Our service to you is free unless we agree a fee with you in writing. We may receive commissions, referral fees or other benefits from product providers if you proceed with a product. Any amounts are paid by the provider and do not change the price you pay.

5. Permitted use

You may use the Site only for lawful, personal use and in accordance with these Terms. You must not:

• interfere with or compromise the security or operation of the Site or the data stored on it
• use bots, scrapers or similar tools to access, copy or extract data from the Site
• republish, redistribute, frame, mirror or commercially exploit any Site content without our prior written consent
• introduce malware or other harmful code, or send spam or bulk communications through the Site
• misuse the Site, including for any unlawful, fraudulent or harmful purpose

If you provide information on the Site, you agree it will be true, accurate and complete.

6. Registering an account

The Site may allow you to create an account using a username and password or third-party authentication (Login Details). If you create an account, you agree to:

• keep your Login Details secure and confidential and not share them with anyone
• be responsible for all activity under your account
• notify us immediately if you believe your Login Details are compromised

We may suspend or disable an account if we suspect unauthorised use.

7. No advice

Content on the Site is general information only. It is not financial, legal, tax or other advice, and it is not a recommendation or an offer to provide any product. Product availability, eligibility and approval remain subject to each provider’s criteria.

8. Intellectual property

• The names “121 Brokers” and associated logos are trademarks of 121 Brokers or its related entities.
• All Site content, layout and design are owned by us or licensed to us. Except as permitted by law or as expressly allowed in these Terms, you must not use, copy, modify, publish or distribute any Site content without our prior written consent.

9. Disclaimers and exclusions

• The Site and all content are provided “as is” and “as available”. We do not warrant that the Site will be uninterrupted, error-free, current or virus-free.
• Your use of the Site and any action you take based on Site content is at your own risk. We are not liable for any loss you may suffer in connection with your use of the Site or reliance on its content.
• To the maximum extent permitted by law, we exclude all liability for indirect, special or consequential loss, loss of profits, data, goodwill or business interruption, and for events beyond our reasonable control.

10. Indemnity

You agree to indemnify 121 Brokers, our officers, employees, agents and contractors against any loss, cost, liability or expense arising from your breach of these Terms or misuse of the Site.

11. Links to other sites

The Site may contain links to third-party websites. We do not control, endorse or approve those sites or their content. Accessing any third-party site is at your own risk.

12. General

• If any provision of these Terms is invalid or unenforceable, it will be replaced with a valid provision that best reflects the original intent. The remainder of the Terms continue in full force.
• A failure or delay to enforce a right is not a waiver of that right.
• These Terms form the entire agreement between you and us regarding your use of the Site and replace any prior terms.

13. Governing law

These Terms and your access to and use of the Site are governed by the laws of New South Wales and the Commonwealth of Australia. You and we submit to the non-exclusive jurisdiction of their courts.

14. Contact us

121 Brokers Pty Ltd
Email, info@121brokers.com.au
Phone, (02) 8310 8516
Address, 5/12 Tasman Way, Byron Bay NSW 2481
Website, 121brokers.com.au