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Level 29,

Chifley Tower
2 Chifley Square
Sydney NSW 2000

Ph: (02) 9687 6666

New South Wales

27/101 Collins Street
Melbourne VIC 3000

Ph: (03) 7036 4150

Levels 24 and 30,
Westpac House

91 King William Street
Adelaide SA 5000

Ph: (08) 8166 4304

South Australia

10 Eagle Street
Brisbane QLD 4000

Ph: (07) 2103 4445

Level 1, Paspalis Centrepoint
48 -50 Smith Street Mall
Darwin NT 0800

Ph: (08) 8166 4304

Northern Territory

6/111 Macquarie Street
Hobart TAS 7000

Ph: (03) 7036 4150

28/140 St Georges Terrace

Perth WA 6000

Ph: (08) 8166 4304

Western Australia

2 Phillip Law Street
Canberra ACT 2601

Ph: (02) 9119 2249

Australian Capital Territory

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Legal Disclaimer: Regulatory Compliance Statement – Commercial Lending Activities

1. Introduction
Caveat Loans Australia Wide ("we", "us", "our") operates www.caveatloans.finance (the "Website") solely as a commercial and business finance broker, providing information, referral, and facilitation services exclusively for unregulated business and commercial financing Australia-wide. All "loans" or "financing" references are to facilities exempt from the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act") and National Credit Code.

2. Nature of Services and Licensing Status
- We are a non-bank commercial referral service and do not hold (nor require) an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL).
- Activities do not constitute "financial services" (Corporations Act 2001 (Cth) s 766A) or "credit activities" (NCCP Act s 6).
- Exempt per NCCP Act ss 6(1), 13 and NCCP Regulations reg 68 (with verified business purpose declaration).
- We refer only to lenders holding ACL/AFSL or exempt under the Corporations Act (lending from own funds, no public schemes).
- We provide no financial product advice, legal, tax, or other advice (ASIC RG 209 compliant).
- Remuneration: We may receive commissions, brokerage, or fees from lenders/borrowers (disclosed as required).

3. Non-Consumer Credit Only
Services are strictly limited to credit for business/commercial purposes (predominant use >50% per NCCP Act s 5, NCCP Regulations reg 68). We do not provide/arrange/facilitate consumer, personal, domestic, or household credit.

4. Applicant Acknowledgment and Business Purpose Declaration
By accessing the Website, submitting an enquiry/application, or using Services, you declare and warrant (under penalty of perjury):

- Financing is exclusively for business/commercial purposes; not personal/domestic/household.
- You have conducted due diligence confirming the NCCP exemption.
- You obtained **independent financial/legal/tax advice before proceeding.
- Application was voluntary, free from duress/pressure by us.
- All info provided is true/accurate/complete; false statements may breach Criminal Code Act 1995 (Cth) s 137.1 or Corporations Act s 1041G.
- You instruct us to refer to licensed/exempt lenders.
- We rely on your declarations for eligibility.
- Your responsibility: Verify exemption; if doubt (e.g., mixed purpose), stop and seek advice.
- Failure: May reclassify as regulated credit, exposing you to NCCP penalties.
- You waive NCCP protections (no responsible lending/disclosures).
- Short-term exemption (NCCP Reg 51): ≤62 days, single advance/repayment, fees ≤20% establishment + ≤4% monthly (max 2), business purpose verified.

Signed declaration (NCCP Reg 68 form) required as prima facie evidence (rebuttable only if we knew otherwise).

5. Information and Website Use
- General information only; not tailored advice.
- No warranties on accuracy/completeness/suitability.
- Use at your risk; verify independently.
- Strongly recommend: Independent professional advice before decisions.

6. Privacy and Consent
We comply with the Privacy Act 1988 (Cth) and Australian Privacy Principles.
By submitting info, you irrevocably consent to disclose (for credit assessment) to credit agencies/providers/guarantors/insurers/third parties.
Withdraw consent: customercare@caveatloans.finance (does not affect prior disclosures).

7. Limitation of Liability
To the maximum extent permitted by law (incl. Australian Consumer Law), we accept no liability (incl. negligence) for any loss/damage/cost/expense (direct/indirect/consequential) from:
- Website/Services use/reliance.
- Your decisions/applications.
- Info inaccuracy/misuse.
- Regulatory reclassification/claims.
Excludes death/injury/fraud (non-excludable).

8. Indemnity
You indemnify us, directors/officers/employees/agents/affiliates against all claims/losses/costs (incl. legal fees, full indemnity) from:
- Breach of declarations/warranties.
- Misuse/false info.
- NCCP reclassification/consequences.
Survives termination.

9. Dispute Resolution
Contact:
- Email: customercare@caveatloans.finance
- Phone: 1300 364 659
- Post: PO Box 3733, Parramatta NSW 2124

10. Governing Law and Jurisdiction
Governed by NSW and Commonwealth laws.
Irrevocable submission to non-exclusive jurisdiction of Australian courts.
Compliant with ACL, NCCP, Corporations Act, ASIC RGs (203, 78), Privacy Act.

11. Confirmation and Acceptance
By using Website/Services:
- You confirm business purpose/NCCP exemption.
- Accept these terms fully.
- Deemed to have obtained independent advice.
- Bear all risks/consequences.

We reserve the right to verify/decline/terminate.

Terms, fees, and conditions apply. Copyright 2025. All Rights Reserved.

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