Effective Date: 20 Jan, 2025
Welcome to Mortiq
These Terms of Service (“Terms”) govern your use of the services provided by Mortiq (“we,” “us,” or “our”), including our website, loan brokerage services, and related offerings. By using our services, you agree to be bound by these Terms. If you do not agree, please refrain from using our services.
1. Services Provided
Mortiq offers loan and mortgage brokerage services, acting as an intermediary between clients and financial institutions. Our goal is to help you find and secure the most suitable financial solutions for your needs. All services are subject to applicable laws and regulations.
2. Eligibility
To use our services, you must:
- Be at least 18 years old or the age of majority in your jurisdiction.
- Provide accurate and complete information during the application process.
- Have the legal capacity to enter into binding agreements.
3. User Responsibilities
By engaging with Mortiq, you agree to:
- Provide truthful, accurate, and up-to-date information.
- Use our services only for lawful purposes.
- Keep your account credentials confidential, if applicable.
- Notify us immediately if you suspect unauthorized use of your information.
4. Our Role as a Broker
Mortiq acts as an intermediary to facilitate your loan application process. While we strive to provide accurate advice and suitable loan options, the final decision regarding loan approval and terms rests with the lender. Mortiq does not guarantee loan approval.
5. Fees and Payments
In most cases, our services are free for clients, as we are compensated by lenders. If additional fees apply for specific services, they will be disclosed to you upfront. You agree to pay any applicable fees promptly.
6. Privacy and Data Use
Your use of our services is governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our services, you consent to the terms of our Privacy Policy.
7. Intellectual Property
All content on our website and materials provided by Mortiq, including logos, text, graphics, and designs, are the intellectual property of Mortiq. You may not copy, distribute, or use any content without prior written permission.
8. Disclaimer of Warranties
Mortiq provides its services on an “as-is” and “as-available” basis. While we strive to ensure accuracy and reliability, we do not warrant that:
- Services will meet your specific requirements.
- Services will be uninterrupted, error-free, or secure.
- Any information provided will be completely accurate or up-to-date.
9. Limitation of Liability
To the fullest extent permitted by law, Mortiq shall not be liable for any:
- Direct, indirect, incidental, or consequential damages arising from your use of our services.
- Losses resulting from lender decisions or actions beyond our control.
- Errors or omissions in the information provided.
10. Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any violation of these Terms or other reasons deemed necessary.
11. Changes to These Terms
Mortiq may update these Terms from time to time. Changes will be posted on our website, and the effective date will be updated. Continued use of our services after changes are made constitutes your acceptance of the revised Terms.
12. Contact Us
If you have any questions or concerns regarding these Terms, please contact us:
Mortiq
Email: info@mortiq.com.au
Phone: 0406 777 883
By using Mortiq’s services, you confirm that you have read, understood, and agree to these Terms of Service.