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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

Victoria

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

Queensland

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

Tasmania

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

Legal Disclaimer - Regulatory Compliance Statement: Caveat loans and private non-bank mortgages are available exclusively to Australian Pty Ltd companies with a valid ACN ONLY. Lending is offered to individuals or for regulated consumer credit. Commercial Lending Activities We recommend that applicants seeking private finance obtain independent financial and legal advice before deciding what is best for their circumstances. We do not offer any personal loans or credit facilities that are regulated under the National Consumer Credit Protection Act 2009 (Cth). Our services are exclusively confined to business lending or the brokering of commercial credit or finance, predominantly for business or commercial purposes. 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/always seek professional and legal advice before deciding what's best for you. -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 The Client indemnifies and holds harmless the Company, its directors, officers, employees, agents, and affiliates (the "Indemnified Parties") from and against all claims, losses, damages, liabilities, costs, and expenses (including legal fees on a full indemnity basis) arising from or in connection with: (a) any breach by the Client of the representations, warranties, or declarations in this Agreement; (b) any misuse of the Services or provision of false, misleading, or incomplete information by the Client; or (c) any reclassification of the credit facility as regulated under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and any resulting consequences, including regulatory penalties or enforcement actions. This indemnity survives termination of this Agreement. 9. Dispute Resolution Any dispute arising out of or in connection with this Agreement shall first be addressed through good faith negotiations. The Client may contact the Company at: -Email: customercare@caveatloans.finance -Phone: 1300 364 659 -Post: PO Box 3733, Parramatta NSW 2124 If unresolved within 30 days, the parties may escalate to mediation or, if necessary, legal proceedings. 10. Governing Law and Jurisdiction This Agreement is governed by the laws of New South Wales and the Commonwealth of Australia. The parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals therefrom. The parties confirm compliance with the Australian Consumer Law, NCCP Act, Corporations Act 2001 (Cth), ASIC Regulatory Guides 203 (debt collection) and 78 (tolerable collection practices), and Privacy Act 1988 (Cth). 11. Confirmation and Acceptance By accessing or using the Website or Services, the Client: (a)confirms that any credit application or representation made in connection with finance broker services is for a business or commercial purpose, exempt from the NCCP Act pursuant to section 6(1) thereof, and not for personal, domestic, or household purposes; (b)acknowledges receipt of independent professional financial and legal advice confirming the exemption and suitability of the credit for the intended purpose; (c)indemnifies the Company, its affiliates, and staff against all legal and financial liability arising from any misuse, dishonesty, or misleading information provided by the Client or borrower; (d)verifies understanding of the serious legal consequences (including potential criminal penalties under the Corporations Act and ACL) of providing false or misleading information in a finance application, and confirms having obtained advice on such risks; (e)acknowledges the Company's right to verify details, decline, or terminate any application, agreement, or offer at its discretion if contrary to declarations; and (f)accepts all terms, fees, and conditions herein, including that fees are payable on demand and, if unpaid, may be referred to collections for recovery in accordance with applicable laws (including RG 96). (g)The Client bears all risks and consequences of non-compliance. 12. Copyright 2025. All Rights Reserved.

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