Effective Date: 20 May 2025

These Terms of Service ("Terms") apply to your use of this website and any tools, content, or services provided by XTO Capital Group Pty Ltd (ABN: 29 672 522 673), a Credit Representative (CRN: 556131) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704).

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

1. General Information Only

Any information, calculators, or assessment tools provided through this website are intended to give general guidance only. They are not:

A credit check, credit report, or loan pre-approval;

A substitute for legal, financial, or tax advice;

A regulated financial service.

All outputs or results should be treated as general in nature and not relied upon as the sole basis for making financial decisions.

2. User Eligibility

By using this website, you confirm that you:

Are at least 18 years old;

Are legally capable of entering into binding agreements;

Understand that the information provided is general and may not apply to your specific circumstances.

3. Accuracy of Information

Any results, scores, or recommendations are generated based solely on the information you provide. We do not independently verify your inputs. You are responsible for ensuring the accuracy and completeness of any information submitted.

4. No Guarantees

We do not warrant or guarantee:

That any outcome suggested by our tools reflects your real-world situation;

That you will qualify for finance or credit products;

That our information is comprehensive, current, or applicable to all users.

5. Intellectual Property

All content, designs, branding, scoring models, and related materials are the property of XTO Capital Group Pty Ltd or our licensors. You must not copy, reproduce, modify, or distribute any part of this website without our prior written consent.

6. Consultations and Referrals

Based on your inputs, we may:

Offer you a free consultation with a licensed finance or credit adviser;

Refer you to external brokers, lenders, or specialists;

Provide information on general options available.

Referrals are made in good faith but do not constitute an endorsement or guarantee of outcomes. We are not liable for the performance of third-party providers.

7. Limitation of Liability

To the extent permitted by law:

We are not responsible for indirect, incidental, or consequential losses;

We do not accept liability for reliance on the results of any tools or calculators;

We are not liable for interruptions, inaccuracies, or system errors on this website.

8. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be resolved in the courts of New South Wales.

Contact Us

If you have questions or concerns about these Terms:

Email: [email protected]

Business: XTO Capital Group Pty Ltd

ABN: 29 672 522 673

Registered in: New South Wales, Australia