Terms of Service

Last updated: February 2026  |  Governed by the laws of New South Wales, Australia

Important notice: FinSeeker is an introduction platform only. We are not a lender, credit provider, mortgage broker, or financial adviser. Nothing on this Platform constitutes financial, legal, or investment advice. You must seek independent professional advice before entering into any financial arrangement.

1. Agreement to Terms

These Terms of Service ("Terms") form a legally binding agreement between you and FinSeeker ABN 78 792 538 395 ("FinSeeker", "we", "us", or "our") in respect of your use of the FinSeeker platform at finseeker.com.au (the "Platform").

By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Platform.

We may update these Terms from time to time. We will give registered users at least 14 days' written notice by email of any material change. If you do not accept the updated Terms, you may close your account before the changes take effect. Your continued use after the effective date constitutes acceptance.

2. The Platform — Nature of Service

FinSeeker is an online matching marketplace that connects businesses seeking commercial finance ("Borrowers") with commercial lenders and finance professionals ("Lenders"). FinSeeker:

  • Does not lend money, arrange credit, or provide credit assistance.
  • Does not hold an Australian Credit Licence (ACL) and is not required to for the introduction service it provides.
  • Does not verify the accuracy or completeness of Borrower funding requests or Lender credentials, although we may do so at our discretion.
  • Is not a party to any finance transaction entered into between a Borrower and a Lender.

FinSeeker does not guarantee that any Borrower will obtain finance or that any Lender will receive suitable enquiries.

3. Eligibility

To use the Platform you must:

  • Be at least 18 years of age.
  • Have legal capacity to enter into a binding contract.
  • Be accessing the Platform for legitimate commercial or business purposes.
  • If registering as a Lender, hold and maintain all licences, registrations, and authorisations required under applicable Australian law (including, where applicable, an ACL under the National Consumer Credit Protection Act 2009 (Cth)) to offer, arrange, or provide the finance products you pitch on the Platform.

4. Accounts & Security

You must register an account to access most features of the Platform. You agree to:

  • Provide accurate, current, and complete information at registration and keep it updated.
  • Maintain the confidentiality of your login credentials.
  • Notify us immediately of any suspected unauthorised access to your account at contact@finseeker.com.au.
  • Not share your account with, or transfer it to, any other person.

You are responsible for all activity conducted through your account. FinSeeker is not liable for any loss arising from unauthorised use of your account where you have not complied with these obligations.

5. Credits & Payments

Lenders receive 3 complimentary credits upon registration. Additional credits may be purchased at the rates displayed on the Platform at the time of purchase.

  • Each credit entitles a Lender to unlock the full contact details and funding documents for one Borrower listing.
  • Credits are non-refundable once redeemed against a listing.
  • Unused credits may be refunded at our discretion if a written request is received within 30 days of purchase. To request a refund, email contact@finseeker.com.au.
  • All prices are in Australian Dollars (AUD) and are inclusive of GST (10%) where applicable.
  • Payments are processed securely by Stripe, Inc. (PCI DSS compliant). FinSeeker does not store your card number, CVV, or banking credentials.
Australian Consumer Law — Consumer Guarantee (Services):
Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled:
  • to cancel your service contract with us; and
  • to a refund for the unused portion, or to compensation for its reduced value.
You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.

6. Borrower Obligations

As a Borrower, you agree to:

  • Post only genuine, accurate, and complete funding requirements.
  • Not post duplicate listings or misrepresent your funding needs, financial position, or business details.
  • Respond to Lender enquiries promptly and in good faith.
  • Not use contact details provided via the Platform for any purpose unrelated to the specific funding request.
  • Promptly remove or mark as closed any listing where finance has been secured.

7. Lender Obligations

As a Lender, you agree to:

  • Hold and continuously maintain all Australian licences and authorisations applicable to the finance products you offer, including any ACL or Australian Financial Services Licence (AFSL) required.
  • Only express interest in Borrower listings that genuinely match your lending criteria.
  • Not use Borrower contact details for unsolicited marketing, cold calling, or any purpose unrelated to the relevant funding request.
  • Comply with all applicable laws, including the National Consumer Credit Protection Act 2009 (Cth), the Australian Securities and Investments Commission Act 2001 (Cth), and the Privacy Act 1988 (Cth).
  • Notify FinSeeker promptly if your licence or authorisation is suspended, cancelled, or restricted.

8. Prohibited Conduct

You must not use the Platform to:

  • Post false, misleading, deceptive, or fraudulent information in breach of the Australian Consumer Law or the ASIC Act 2001.
  • Engage in conduct that constitutes an unfair trading practice under applicable law.
  • Circumvent the credit system or obtain Borrower contact details without using credits.
  • Spam, harass, threaten, or harm other users.
  • Scrape, reproduce, or systematically copy Platform content without our prior written consent.
  • Use automated bots, crawlers, or scripts to access the Platform.
  • Engage in money laundering, fraud, or any activity that contravenes the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
  • Violate any applicable Australian or international law or regulation.

9. Intellectual Property

All Platform content — including the FinSeeker name, logo, software, design, text, and graphics — is owned by or licensed to FinSeeker and is protected under the Copyright Act 1968 (Cth) and other applicable laws. You are granted a limited, non-exclusive, revocable licence to use the Platform solely for its intended purpose. You must not use our intellectual property without our prior written consent.

By submitting content to the Platform (including funding request descriptions and documents), you grant FinSeeker a non-exclusive, royalty-free licence to use that content solely for the purpose of operating and improving the Platform.

10. Disclaimer of Warranties

Subject to the consumer guarantees in clause 5 and your rights under the Australian Consumer Law, the Platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, FinSeeker makes no representations or warranties, express or implied, regarding:

  • The accuracy, completeness, or reliability of any Borrower funding request or Lender information.
  • The suitability of any Lender for any Borrower's requirements.
  • Uninterrupted or error-free access to the Platform.

11. Limitation of Liability

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

  • FinSeeker's total aggregate liability to you for any claims arising from or in connection with the Platform is limited to the total amount paid by you for credits in the 12 months preceding the event giving rise to the claim.
  • FinSeeker is not liable for any indirect, incidental, special, punitive, or consequential loss or damage, including loss of profits, loss of data, loss of goodwill, or business interruption.

Nothing in these Terms excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by the Australian Consumer Law or any other law that cannot lawfully be excluded. If FinSeeker is liable for a breach of a guarantee under the Australian Consumer Law that cannot be excluded, FinSeeker's liability is limited, to the extent permitted by law, to re-supplying the services or paying the cost of having the services supplied again.

12. Indemnity

You agree to indemnify and hold harmless FinSeeker, its officers, directors, employees, contractors, and agents from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

  • Your use of the Platform.
  • Any breach of these Terms by you.
  • Any content you submit to the Platform that infringes a third party's rights.

This indemnity does not apply to the extent that a claim arises from FinSeeker's own negligence or wilful misconduct.

13. Termination & Suspension

We may suspend or terminate your account immediately if you breach these Terms or if we reasonably believe your use of the Platform poses a risk to FinSeeker, other users, or third parties. Where possible, we will give you prior written notice and an opportunity to remedy the breach.

You may close your account at any time by contacting us at contact@finseeker.com.au. Unused credits at the time of voluntary account closure may be refunded within 30 days of the closure request, subject to clause 5.

Credits redeemed prior to termination for breach are forfeited and non-refundable.

14. Complaints & Internal Dispute Resolution

We take complaints seriously. If you have a concern about our services or these Terms, please contact our complaints team:

FinSeeker — Complaints Officer
Email: contact@finseeker.com.au
Website: finseeker.com.au

  • We will acknowledge your complaint within 5 business days.
  • We will endeavour to resolve your complaint within 30 calendar days. If more time is needed, we will inform you of the reason and the expected resolution date.
  • If your complaint remains unresolved after 30 days, you may escalate to an external dispute resolution body or the relevant regulator (see clause 15).

15. External Dispute Resolution & Regulators

If we are unable to resolve your complaint to your satisfaction, you may contact:

  • Australian Competition and Consumer Commission (ACCC)
    accc.gov.au | 1300 302 502
  • NSW Fair Trading (for NSW-based consumers)
    fairtrading.nsw.gov.au | 13 32 20
  • Australian Financial Complaints Authority (AFCA) (for financial service-related disputes)
    afca.org.au | 1800 931 678
  • Office of the Australian Information Commissioner (OAIC) (for privacy-related complaints)
    oaic.gov.au | 1300 363 992

16. Governing Law & Jurisdiction

These Terms are governed by the laws of New South Wales, Australia. Each party submits to the non-exclusive jurisdiction of the courts of New South Wales. Nothing in this clause limits your rights under the Australian Consumer Law, which applies nationally regardless of choice of law.

17. General

  • Severability: If any provision of these Terms is found to be void, unenforceable, or illegal, that provision is severed and the remaining provisions continue in full force.
  • Waiver: A failure or delay by FinSeeker in exercising any right does not constitute a waiver of that right.
  • Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement between you and FinSeeker in relation to the Platform and supersede all prior agreements and understandings.
  • Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights without your consent in connection with a merger, acquisition, or sale of our business.

18. Contact Us

For any questions about these Terms:
FinSeeker
Email: contact@finseeker.com.au
Website: finseeker.com.au