Terms & Conditions

These Terms and Conditions govern your use of the MPFG Capital website at mpfg.com.au (the "Website") and the services provided by MPFG Capital Pty Ltd (ABN 70 670 779 370, Australian Credit Licence 553698) ("MPFG", "we", "us", "our").

By accessing the Website or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. About MPFG Capital

MPFG Capital Pty Ltd is an Australian Credit Licensee (ACL 553698) authorised to engage in credit activities under the National Consumer Credit Protection Act 2009 (Cth). We operate as a non-bank lender providing residential and commercial lending solutions.

2. Website Use

You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the Website in any way that breaches applicable laws or regulations
• Transmit any unsolicited or unauthorised advertising or promotional material
• Attempt to gain unauthorised access to any part of the Website or its related systems
• Reproduce, duplicate, copy or sell any part of the Website without our express written permission
• Introduce any viruses, trojans or other malicious code

3. General Information Only

The information on this Website is provided for general informational purposes only. It does not constitute financial advice, credit advice, legal advice or any other form of professional advice. You should seek independent professional advice tailored to your personal circumstances before making any financial decision.

Interest rates, fees and product terms displayed on this Website are indicative only and subject to change without notice. Actual rates and terms will be confirmed in your loan contract. All applications are subject to credit assessment and approval.

4. Loan Applications

Submitting an enquiry or application through this Website does not constitute a loan offer or guarantee of credit approval. MPFG reserves the right to:

• Decline any loan application without providing reasons
• Request additional documentation or information at any time
• Withdraw or vary any indicative offer prior to formal approval

Credit is subject to normal lending criteria. Fees and charges apply. Full details will be provided in the Loan Contract and Credit Guide provided prior to settlement.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images and software, is the property of MPFG Capital or its content suppliers and is protected by Australian and international copyright laws. You may not reproduce, distribute or create derivative works without our prior written consent.

6. Third-Party Links

This Website may contain links to third-party websites for your convenience. MPFG does not endorse, control or accept responsibility for the content, privacy practices or accuracy of any third-party websites. Accessing third-party websites is at your own risk.

7. Limitation of Liability

To the maximum extent permitted by law, MPFG excludes all liability for any direct, indirect, incidental or consequential loss or damage arising from your use of this Website or reliance on any information contained herein. This includes loss of data, loss of revenue, business interruption or any other economic loss.

Nothing in these Terms excludes any rights you may have under the Australian Consumer Law or other applicable legislation that cannot be excluded.

8. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Complaints and Dispute Resolution

If you have a complaint regarding our services, please contact us directly so we can attempt to resolve it. If we are unable to resolve your complaint to your satisfaction, you may refer the matter to the Australian Financial Complaints Authority (AFCA):

10. Governing Law

These Terms are governed by the laws of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria.

11. Amendments

We may update these Terms at any time without notice. The current version will be published on this Website. Continued use of the Website following any update constitutes your acceptance of the revised Terms.