Terms of Use

1. Acceptance of terms

By accessing or using the Swych Home Loans website (swych.com.au), you agree to these Terms of Use.

If you do not agree to these terms, you should not use this website.

2. Website information

The content on this website is provided for general informational purposes only. While we take reasonable care in preparing website content, we do not represent that all content is complete, current or suitable for every person or situation.

Information on this website may be updated, changed or removed without notice.

4. Credit assistance

Swych Home Loans may provide credit assistance through a licensed credit representative arrangement. However, the general website content itself is not a credit assessment, approval, product recommendation or commitment to lend.

Any credit assistance, loan recommendation or application support we provide to you will depend on a proper review of your circumstances and the relevant lender’s current policy and assessment criteria.

We do not guarantee that:

• you will qualify for a particular loan product;
• you will be approved by a lender;
• any rate, feature, eligibility pathway or lender policy mentioned on the website will remain available;
• any example scenario shown on the website will apply to your circumstances.

5. Calculators and tools

Any calculators, borrowing estimates, repayment examples, concession guides or similar tools on this website are for illustrative purposes only.

Results will vary depending on the assumptions used, the data you enter, lender policy, interest rates, fees, credit criteria and your full financial circumstances.

Calculator results are not a quote, approval, pre-approval or lending commitment.

6. Third-party content and links

This website may contain links to third-party websites, calculators, services or information sources. These are provided for convenience only.

We do not control third-party websites and are not responsible for their content, security, accuracy or availability.

7. Intellectual property

Unless otherwise stated, the content on this website, including text, branding, graphics, design elements, layout and other materials, is owned by or licensed to Softora Pty Ltd.

You may view and use the website for personal, lawful and non-commercial purposes. You must not reproduce, distribute, modify, republish or otherwise use website content without our prior written consent, except where permitted by law.

8. Limitation of liability

To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this website or its content.

This includes, without limitation, loss arising from:

• errors or omissions in website content;
• delays, interruptions or outages;
• changes in lender policy, rates or eligibility;
• third-party websites, systems or content;
• unauthorised access to website systems or data.

Nothing in these terms excludes any rights or remedies that cannot be excluded under applicable law.

9. Changes to these terms

We may change these Terms of Use from time to time. Updated terms will be published on this page and will take effect from the time they are posted, unless stated otherwise.

10. Complaints

If you have a complaint about our services, please contact us first so we can try to resolve it through our internal dispute resolution process.

If you are not satisfied with our response, you may be able to contact the Australian Financial Complaints Authority (AFCA), depending on the nature of the complaint.

11. Governing law

These terms are governed by the laws of the Australian Capital Territory, Australia.

Any dispute arising in connection with these terms or your use of this website will be subject to the jurisdiction of the courts of the Australian Capital Territory, unless applicable law provides otherwise.