Terms of Service

1. About Us

Mankin Finance Pty Ltd ("we", "us", "our", "Mankin Finance") is a mortgage broking business operating from Suite 208, Oran Park Podium, 351 Oran Park Drive, Oran Park NSW 2570. We act as a Credit Representative of Yellow Brick Road Finance Pty Ltd, Australian Credit Licence 390261.

We provide mortgage broking, finance consulting, and credit assistance services to clients across Australia. Our services are provided subject to the National Consumer Credit Protection Act 2009 (Cth) and applicable ASIC regulations.

2. Acceptance of Terms

By accessing or using the Mankin Finance website located at www.mankinfinance.com.au (the "Website"), submitting an enquiry, or engaging us to provide services, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our Website or services. We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the Website constitutes acceptance of any revised Terms.

3. Our Services

Mankin Finance provides the following services:

• Mortgage and home loan broking
• Investment property finance
• Refinancing and debt consolidation advice
• Commercial finance and business lending
• SMSF lending facilitation
• Construction loan facilitation
• General financial guidance and market education

Not Financial Advice

The information provided on our Website is general in nature and does not constitute financial advice. We strongly recommend you seek independent financial and legal advice before making any financial decisions. Our credit assistance services are subject to a full assessment of your individual circumstances.

4. Credit Licensing and Obligations

Mankin Finance operates under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act). We hold a credit representative authorisation (Credit Rep No. 102746) under Yellow Brick Road Finance Pty Ltd (ACL 390261). We are obligated to:

• Act in your best interests when providing credit assistance
• Conduct reasonable enquiries to verify your financial situation
• Provide a Credit Guide before providing credit assistance
• Provide a Quote and Proposal where applicable
• Maintain appropriate professional indemnity insurance
• Comply with all applicable ASIC regulatory guides

5. Website Use and Acceptable Conduct

You agree not to use our Website to:

• Provide false, misleading, or fraudulent information
• Impersonate any person or entity
• Transmit any malicious software, viruses, or harmful code
• Attempt to gain unauthorised access to any systems or data
• Scrape, harvest, or collect data from our Website without permission
• Engage in any conduct that is unlawful, harassing, or harmful
• Breach any applicable Australian or international law or regulation

We reserve the right to terminate or restrict access to our Website or services at our sole discretion.

6. Online Application and Enquiry Forms

When you submit an enquiry, application, or contact form on our Website:

• You confirm that all information provided is accurate and complete
• You consent to us contacting you by phone, email, or SMS in relation to your enquiry
• Submission of a form does not constitute a guarantee of finance approval
• We reserve the right to decline any application without providing reasons
• Your information will be handled in accordance with our Privacy Policy

7. Commission and Fees

Our mortgage broking services are generally provided to you at no direct cost. We receive commissions from lenders when a loan is settled. These commissions do not affect the rates or products we recommend — our best interests duty requires us to act in your interests at all times.

Where applicable, fees may be charged for commercial, complex, or specialised lending arrangements. Any fees will be disclosed to you in writing prior to engagement. Full commission disclosure will be provided in your Credit Proposal.

8. Third-Party Links and Services

Our Website may contain links to third-party websites, lender portals, calculators, and external tools. These links are provided for convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party websites.

Your use of any third-party website or service is at your own risk and subject to the terms of that third party.

9. Intellectual Property

All content on our Website, including but not limited to text, graphics, logos, images, blog articles, and software, is the intellectual property of Mankin Finance Pty Ltd or our licensors and is protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content on our Website without our prior written consent.

10. Calculators and Tools

Any calculators, repayment estimators, or tools available on our Website are provided for indicative purposes only. Results are estimates and do not constitute a credit assessment, pre-approval, or formal quote. Actual loan amounts, repayments, and rates will vary based on your individual circumstances and lender assessment.

11. Disclaimer of Warranties

Our Website and services are provided "as is" without warranties of any kind, either express or implied. To the maximum extent permitted by law, we disclaim all warranties including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our Website will be uninterrupted, error-free, or free from viruses or other harmful components.

12. Limitation of Liability

To the maximum extent permitted by Australian Consumer Law and other applicable legislation:

• We will not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability in connection with our services will not exceed the fees paid by you to us in the 12 months preceding the claim
• We are not liable for any loss arising from your reliance on general information on our Website
• We are not liable for the actions or omissions of any lender, third party, or referral partner

Nothing in these Terms excludes, restricts, or modifies any rights you may have under the Australian Consumer Law or the National Credit Code.

13. Complaints and Dispute Resolution

Internal Complaints

If you have a complaint about our services, please contact us in the first instance:

• Email: [email protected]
• Phone: +61 420 699 983
• Mail: Suite 208, Oran Park Podium, 351 Oran Park Drive, Oran Park NSW 2570

We aim to acknowledge all complaints within 2 business days and resolve them within 21 calendar days.

External Dispute Resolution

If you are not satisfied with our response, you may contact the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme:

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)
• Email: [email protected]

14. Privacy

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using our Website and services, you consent to the practices described in our Privacy Policy.

15. Governing Law

These Terms are governed by the laws of New South Wales, Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals from those courts.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Mankin Finance in relation to your use of our Website and services, and supersede all prior agreements and understandings.