Terms and Conditions

1. Acceptance of Terms

By accessing or using the services provided by Andorra Capital Solutions Pty Ltd trading as Andorra Private ("we", "us", "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not use our services.

We reserve the right to modify these terms at any time. Your continued use of our services after any changes constitutes acceptance of those changes.

2. Our Services

We provide commercial finance broking and credit assistance services, including but not limited to:

• Commercial property finance
• Business loans and commercial lending
• Bridging finance
• Construction finance
• Asset finance
• Cash flow lending solutions

We act as an intermediary between you and lenders. We do not provide credit ourselves but assist in connecting you with suitable lending options.

3. No Financial Advice

We do not hold an Australian Financial Services Licence (AFSL). The information and services we provide:

• Are general in nature and do not constitute personal financial advice
• Do not take into account your personal financial situation, needs, or objectives
• Should not be relied upon as the sole basis for any financial decision

You should seek independent financial, legal, and tax advice before making any financial decisions or entering into any credit contract.

4. Your Obligations

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Promptly notify us of any changes to your circumstances
• Not provide false or misleading information
• Cooperate with reasonable requests for documentation
• Pay any agreed fees and charges
• Comply with all applicable laws and regulations

Providing false or misleading information may result in criminal penalties and will void any applications submitted on your behalf.

5. Fees and Charges

Our fee structure will be disclosed to you before we commence work on your behalf. Fees may include:

• Application fees
• Brokerage fees (paid by lenders or borrowers)
• Service fees for ongoing support

All fees will be clearly communicated in writing. We may receive commissions from lenders when a loan is settled. These commissions are disclosed in our Credit Guide.

6. No Guarantee of Approval

We do not guarantee that any loan application will be approved. Loan approval is subject to the lender's assessment criteria and credit policy. We will use our best efforts to find suitable lending options, but we cannot guarantee any particular outcome, interest rate, or loan terms.

7. Confidentiality

We will treat your personal and financial information as confidential and handle it in accordance with our Privacy Policy and applicable privacy laws. We will only disclose your information to third parties as necessary to provide our services or as required by law.

8. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any indirect, consequential, or incidental damages arising from our services
• Our total liability is limited to the fees paid by you for our services
• We are not liable for any loss arising from lender decisions, market conditions, or circumstances beyond our control
• We are not responsible for the actions, omissions, or conduct of third parties including lenders

Nothing in these terms excludes or limits liability that cannot be excluded by law, including liability under the Australian Consumer Law.

9. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or the property of our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or use any content without our prior written permission.

10. Website Use

When using our website, you agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Transmit any viruses or malicious code
• Interfere with the proper functioning of the website
• Collect or harvest information from the website without permission

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.

12. Termination

Either party may terminate our engagement at any time by providing written notice. Upon termination, you remain liable for any fees incurred up to the date of termination. Any provisions that by their nature should survive termination will remain in effect.

13. Governing Law

These terms are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of New South Wales.

14. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.