Terms and Conditions

Welcome to prolending.au (“we”, “our”, “us”). By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions.

If you do not agree, please do not use our website.

1. About Us

prolending.au is a loan brokerage and fintech platform that connects users with lenders, credit providers, and financial institutions. We do not directly provide loans or act as a lender.

2. Eligibility

By using our services, you confirm that:

You are at least 18 years old
You are legally capable of entering into binding agreements
All information you provide is true, accurate, and complete

3. Nature of Service

We act as an intermediary between you and lenders
We help you compare and apply for financial products
Final approval, loan terms, and decisions are made solely by the lender

We do not guarantee:

Loan approval
Specific interest rates
Loan amounts or terms

4. User Responsibilities

You agree to:

Provide accurate and complete information
Not submit false or misleading details
Keep your personal information secure
Use the website only for lawful purposes

5. Credit Checks & Consent

By submitting an application through prolending.au, you:

Consent to us collecting and verifying your personal and financial information
Authorize us to share your data with lenders and credit reporting bodies
Agree to credit checks being conducted on your behalf

This is done in accordance with Australian credit reporting laws.

6. Fees & Commission

Our services may be free for users in most cases
We may receive commission from lenders for successful referrals
Any fees charged directly to you (if applicable) will be disclosed upfront

7. No Financial Advice

Information provided on this website:

Is general in nature
Does not constitute financial, legal, or credit advice

You should seek independent professional advice before making financial decisions.

8. Third-Party Services

Our website may include services or links to third-party lenders and providers.

We are not responsible for:

Their decisions or services
Their terms, policies, or practices

Any agreement you enter into is strictly between you and the lender.

9. Limitation of Liability

To the maximum extent permitted by law, prolending.au is not liable for:

Any loss or damage arising from your use of our services
Loan rejection or unfavorable loan terms
Errors, delays, or interruptions in service

10. Privacy

Your use of our services is also governed by our Privacy Policy.

We handle your data in accordance with:

Privacy Act 1988 (Cth)
Australian Privacy Principles

11. Intellectual Property

All content on prolending.au, including:

Text
Graphics
Logos
Software

is owned or licensed by us and protected by intellectual property laws.

You may not copy, reproduce, or distribute without permission.

12. Website Availability

We do not guarantee that:

The website will always be available
The site will be error-free or uninterrupted

We may suspend or modify services at any time.

13. Termination

We reserve the right to:

Suspend or terminate your access
Refuse service

if you breach these Terms or misuse our platform.

14. Changes to Terms

We may update these Terms and Conditions at any time. Continued use of the website means you accept the updated terms.

15. Governing Law

These Terms are governed by the laws of Australia. Any disputes will be subject to Australian courts.

16. Complaints

If you have a complaint, please contact us:

Melbourne, Australia
0416 57 57 22
info@prolending.au

We will aim to resolve your complaint promptly.

17. Contact Us

For any questions regarding these Terms:

Contacting Us