1. About These Terms

These Terms of Service (“Terms”) govern your use of the Mahi Finance website and services provided by Mahi Finance Trust (ABN: 73 292 630 937) (“we”, “us”, “our”, “Mahi Finance”).

By using our website or services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

2. Our Services

Mahi Finance provides mortgage broking services to assist clients in finding suitable home loan products. Our services include:

Mortgage comparison and recommendation services
Assistance with loan applications
Ongoing support throughout the loan process

3. No Guarantee of Loan Approval

While we strive to assist you in finding suitable mortgage products, we cannot guarantee:

Loan approval from any lender
Specific interest rates or loan terms
The availability of particular loan products
Processing timeframes by lenders

All lending decisions are made solely by the respective lenders based on their criteria and policies.

4. Your Obligations

When using our services, you agree to:

Provide accurate and complete information
Update us of any changes to your circumstances
Comply with all applicable laws and regulations
Not use our services for any unlawful purposes
Respect our intellectual property rights

5. Limitation of Liability

To the maximum extent permitted by law, Mahi Finance and its directors, employees, and agents will not be liable for:

Any indirect, incidental, special, or consequential damages
Loss of profits, revenue, or business opportunities
Decisions made by lenders regarding loan applications
Changes in interest rates or lending criteria
Delays in loan processing by lenders

Our total liability for any claim will not exceed the amount of fees (if any) paid to us for our services.

6. Professional Indemnity Insurance

We maintain professional indemnity insurance that covers our credit activities. Details of our insurance coverage are available upon request.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by or licensed to Mahi Finance and is protected by intellectual property laws. You may not reproduce, distribute, or use this content without our written permission.

8. Privacy

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information.

9. Dispute Resolution

If you have a complaint about our services, please contact us first at hello@mahi.finance. We will endeavour to resolve any issues promptly and fairly.

If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678.

10. Termination

Either party may terminate our service relationship at any time with reasonable notice. Termination does not affect any rights or obligations that arose before termination.

11. Governing Law

These Terms are governed by the laws of Queensland, Australia. Any disputes will be subject to the exclusive jurisdiction of the Queensland courts.

12. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the new Terms.

13. Contact Information

If you have any questions about these Terms, please contact us at:

Email: hello@mahi.finance
Address: 9 Newport Street, Peregian Beach QLD 4573