Terms of use

Welcome to www.melbournehomelending.com.au.

This website is owned and operated by us, Melbourne Home Lending ABN 77 058 726 607.

1. Accepting these Terms of Use
By using our website, you confirm that you accept these Terms of Use and agree to be bound by them.

2. Our Website
2.1 You must use our website in accordance with these Terms of Use, only for lawful purposes and only in a way which does not infringe the rights of anyone or restrict or inhibit anyone’s use of our website.
2.2 You understand and agree that your use of our website is provided “as is” and “as available”. We do not represent or warrant that the operation of our website will be secure, confidential, uninterrupted, error-free, accurate, complete or current.
2.3 We update and carry out maintenance on our website regularly, so we may have to suspend access, service or functionality on our website from time to time, without notice. We will not be liable if, for any reason, our website is not available at any time or for any period of time.
2.4 Our website may contain links to third party sites, information and resources (Third Party Links) and information provided by third parties (Third Party Content). We are not responsible for the Third Party Links or Third Party Content, and cannot guarantee that any Third Party Links or Third Party Content will be uninterrupted, error-free, accurate, complete or current.
2.5 Any links to Third Party Content does not represent our endorsement of such Third Party Content. We have no control over the Third Party Content, and will not be liable for any loss or damage you suffer or incur when you access or use any Third Party Links or Third Party Content.

3. Content
3.1 We own, or are the licensee of, the intellectual property rights in the content of our website, including text, photos, graphic designs and images.
3.2 Subject to clause 3.3, you retain all the rights in and to the content that you submit or post on or through our website.
3.3 By submitting and posting your content on our website:
(a) you consent to us disclosing your content and personal information with our suppliers; and
(b) you consent to us and our suppliers (subject to their respective privacy policy) using your personal information to send you information about products and services that we feel may be of interest to you. You can unsubscribe from receiving this information at any time by emailing us at info@melbournehomelending.com.au.
3.4 Our use of your personal information will be governed in accordance with our privacy policy, a copy of which can be found here.

4. Disclaimer of Warranty and limitation of Liability
4.1 Your access to this website and your use of the services provided through it is subject to these legally binding terms and conditions. Content of this website is general information only and is provided to explain who Melbourne Home Lending is, our products & services, and how we operate.
The information on this website is not legal, financial or real estate advice and is not to be suitably relied on by you as such advice. You should obtain legal and financial advice from a qualified professional before applying for any loan.
4.2 Except where we are unable to exclude our liability by law, we will not be liable to you for any loss or damage, however it arises, whether in contract, statute of tort (including negligence), arising out of, or in connection with, your use of (including inability to use) our website.
4.3 We exclude liability for any loss of profit, loss or corruption of data, special, exemplary, punitive, incidental, indirect or consequential loss or damages suffered or incurred or arising in connection with our website, any services we have provided, or in connection with any act or omission by us (negligent or otherwise).

5. General Terms
5.1 We reserve the right to change any or all of these terms and conditions, and/or add new terms and conditions at any time. When we do so, we will make a new copy of these Terms of Use available on our website. Your continued use of our website will be deemed to constitute your acceptance of such changes.
5.2 If any part of these Terms of Use are void, unenforceable or illegal, they will be severed and the remainder of these Terms of Use will continue to have full force and effect.
5.3 Notices required to be given under these Terms of Use may be sent by email, by post or in the case of notices we give you, by making the information available on our website.
5.4 There is no relationship of employment, partnership, agency or fiduciaries between you and us.
5.5 These Terms of Use are governed by and construed under the laws of Victoria.

6. Dispute Resolution
Internal Dispute Resolution Process
We recognise that sometimes things don’t go as planned. It is important to us that we resolve your concern. If you have a matter that is in dispute or a complaint about Melbourne Home Lending, you can use our Internal Dispute Process by contacting us as detailed in Step 1.
The Internal Dispute Resolution Process is a 3 step process.

Step 1:
Contact Melbourne Home Lending:
By Phone: 0401 132 810
By Email: info@melbournehomelending.com.au

Step 2:
We will do our utmost to resolve the matter in a timely fashion. If we cannot resolve the matter promptly due to its complexity, you will be advised in writing.

Step 3:
If you are still not satisfied with the outcome, you can refer your concern to an independent external Dispute Resolution Scheme whose details appear below.

External Dispute Resolution (EDR) Service

The EDR was established to provide assistance in dispute resolution between clients and members of the financial services industry, which include mortgage managers and providers of financial products. Services are free to consumers.

How to contact them:

Free call: 1300 780 808

Phone: 03 9613 7366

Fax: 03 9613 6399

Website: www.fos.org.au

Mail: Financial Ombudsman Service Limited
GPO Box 3
Melbourne VIC 3001