Terms and Conditions

Last updated: March 4, 2026

Please read these Terms and Conditions carefully before using our Service.

Interpretation and Definitions

Interpretation

Words with capitalised first letters have meanings defined under the following conditions. These definitions apply whether the words appear in singular or plural form.

Definitions

For the purposes of these Terms and Conditions:

Company (referred to as "the Company", "We", "Us" or "Our") refers to Genesys Digital Pty Ltd, trading as Loan Solutions IO.

Website refers to Loan Solutions and any associated websites, landing pages or domains operated by the Company.

Service refers to the website, mortgage comparison tools, quizzes, broker matching services, and any related digital services provided by the Company.

You means the individual accessing or using the Service, or a company or other legal entity on behalf of which the individual is accessing the Service.

Device means any device capable of accessing the Service such as a computer, mobile phone or tablet.

Affiliate means any entity that controls, is controlled by or is under common control with the Company.

Third-party Service Provider refers to any third-party platform, broker, lender, software provider or service used to operate the Service.

Country refers to Australia.

Acknowledgment

These Terms and Conditions govern the use of the Service and form the agreement between You and the Company.

By accessing or using the Service, You agree to comply with and be bound by these Terms.

If You disagree with any part of these Terms and Conditions, You must not use the Service.

You confirm that You are at least 18 years of age.

Our Service is not intended for individuals under the age of 18.

Your use of the Service is also subject to our Privacy Policy, which describes how we collect, use and disclose your information.

Nature of the Service

Loan Solutions IO operates as a lead generation and referral platform that connects consumers with licensed mortgage brokers or financial service providers.

We do not:

• provide financial advice
• provide credit assistance directly
• act as a lender or broker
• guarantee loan approvals or financial outcomes

The Service allows users to submit information regarding their mortgage or borrowing situation so that it may be shared with relevant professionals who may assist with their enquiry.

Any financial advice or lending services provided are delivered directly by licensed mortgage brokers or financial professionals, not by the Company.

Use of the Service

By using the Service, You agree that:

• the information You provide is true, accurate and complete
• You will not provide misleading or fraudulent information
• You will not use the Service for unlawful purposes
• You will not attempt to disrupt, damage or misuse the platform

We reserve the right to refuse or terminate access to the Service if misuse is detected.

Third-Party Mortgage Brokers and Lenders

When You submit information through the Service:

• Your details may be shared with licensed mortgage brokers, lenders or financial professionals
• These providers may contact You via phone, SMS, email or other communication methods

Loan Solutions does not control the services provided by third parties and is not responsible for the actions, advice or conduct of brokers, lenders or financial institutions.

When You enter Your details through our quiz, enquiry form, or any part of our funnel, You acknowledge and agree that the information You provide may be saved and stored in our database and/or CRM system. This information may be used by Loan Solutions IO to assess Your enquiry, match You with relevant mortgage brokers or financial service providers, and contact You regarding Your submitted enquiry.

You should always verify the credentials and licensing of any broker or financial professional before proceeding.

Communications

By submitting an enquiry through the Service, You consent to being contacted by:

• Loan Solutions IO
• associated mortgage brokers
• financial service providers

via:

• phone calls
• SMS messages
• email
• messaging services

for the purpose of responding to your enquiry or assisting with financial services.

You may opt out of marketing communications at any time.

Links to Other Websites

The Service may contain links to third-party websites or services that are not owned or controlled by the Company.

We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third-party websites.

We strongly recommend reviewing the terms and privacy policies of any external websites You visit.

Termination

We reserve the right to suspend or terminate Your access to the Service at any time without prior notice if You breach these Terms.

Upon termination, Your right to use the Service will immediately cease.

Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for:

• any indirect or consequential loss
• financial loss resulting from decisions made using the Service
• loss of profits or opportunity
• inaccurate information provided by third parties

The Service is provided as a referral and information platform only.

Any financial decisions made by You are Your sole responsibility.

"As Is" Disclaimer

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

We do not guarantee that:

• the Service will be uninterrupted
• the information provided will be error-free
• loan approvals will occur
• financial outcomes will be achieved

Use of the Service is at Your own risk.

Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Australia.

Any disputes arising in connection with the Service shall be subject to the jurisdiction of Australian courts.

Dispute Resolution

If You have a dispute regarding the Service, You agree to first attempt to resolve the issue informally by contacting us.

Severability

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

Changes to These Terms

We reserve the right to modify or update these Terms at any time.

Any updates will be posted on this page with the revised Last Updated date.

By continuing to use the Service after changes are made, You agree to the revised Terms.

Contact Us

If you have any questions regarding these Terms and Conditions, you may contact us:

Genesys Digital Pty Ltd
Trading as Loan Solutions

Website:
https://loansolutions.io

Contact Page:
https://loansolutions.io/contact