Terms of Service

Refii operates as a loan comparison and application platform that connects borrowers with multiple lenders to facilitate competitive home loan offers. We are not a lender ourselves but act as an intermediary service.

Our services include:

• Loan comparison and matching services
• Application processing and document collection
• Communication facilitation between borrowers and lenders
• Educational resources and calculators
• Ongoing loan management support

By using our service, you agree to:

• Provide accurate and complete information in all applications and communications
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorised use of your account
• Comply with all applicable laws and regulations
• Not use our service for any fraudulent or illegal purposes
• Keep your contact information current and accurate

We are committed to protecting your privacy and personal information. Our collection, use, and disclosure of personal information is governed by our Privacy Policy and the Privacy Act 1988 (Cth).

By using our service, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy, including sharing your information with potential lenders for the purpose of obtaining loan quotes.

No Guarantee of Loan Approval: We do not guarantee that any lender will approve your loan application. Loan approval is subject to each lender's individual criteria and policies.

Rate and Term Accuracy: While we strive to provide accurate and up-to-date information about loan rates and terms, these may change without notice. Final loan terms are determined by the lender.

Independent Financial Advice: Our service does not constitute financial advice. You should consider seeking independent financial advice before making any loan decisions.

Our service to borrowers is provided at no cost. We may receive commissions from lenders when loans are successfully settled. These arrangements do not affect the loan terms offered to you.

Any fees charged by lenders (such as application fees, valuation fees, or ongoing fees) are separate from our service and will be clearly disclosed by the lender.

All content, trademarks, and intellectual property on our platform remain our property or that of our licensors. You may not reproduce, distribute, or create derivative works without our express written permission.

We may terminate or suspend your access to our service at any time, with or without cause, with or without notice. You may also terminate your account at any time by contacting us.

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