1. Introduction

Welcome to Ozway Consulting ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website located at https://ozwayconsulting.com.au/("Website") and our services. By accessing or using our Website and services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Website or services.

2. Services

We provide mortgage brokerage services to help individuals and businesses find suitable mortgage solutions. We strive to ensure the accuracy, completeness, and reliability of the information provided on our website, but we cannot guarantee it.

3. Eligibility

By using our services, you confirm that you are at least 18 years old and legally capable of entering into binding agreements. If you are using our services on behalf of a company or organization, you warrant that you have the authority to bind that entity to these Terms.

4. Use of the Website

4.1. You agree to use our Website for lawful purposes only and in accordance with these Terms.

4.2. You must not use our Website to:

• Engage in any fraudulent or illegal activities.

• Transmit or upload harmful, disruptive, or malicious content.

• Interfere with the functionality or security of our Website.

5. Disclaimer

5.1. We are not a lender. Our role is to facilitate connections between you and potential lenders or financial institutions. Any agreements you enter into with third parties are at your own risk.

5.2. We do not guarantee that you will qualify for a mortgage or that the terms offered by lenders will meet your expectations.

6. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our Website or services. This includes, but is not limited to, loss of data, loss of profits, or business interruption.

7. Intellectual Property

All content on our Website, including text, graphics, logos, and software, is owned by or licensed to us and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

8. Information Disclosure and Confidentiality

We respect the confidentiality of the information you provide to us. Your information may be shared under the following circumstances: (a) as required or permitted by law; (b) with our employees, lenders/banks, affiliated entities, and their staff; (c) securely, with third parties who deliver services on your behalf (e.g., consultants, data storage providers), or with our advisers, insurers, or other entities to provide you required services; or (d) with your explicit consent.

9. Conflicts of Interest

We strive to identify and address any actual or potential conflicts of interest before commencing an engagement. If a conflict arises, we will inform you and discuss the matter while maintaining confidentiality for other clients. Should our professional responsibilities require us to cease acting for you, we will do so. To help minimize conflicts, please provide the names of related or associated entities for internal conflict checks. If these checks are limited, we may not be able to ensure comprehensive conflict identification.

10. Termination

You may terminate our engagement at any time with one month’s written notice. We reserve the right to terminate our engagement if: (a) a conflict of interest arises that prevents us from continuing; (b) invoices are not paid within 14 days; or (c) for any other valid reason, including a breakdown in the professional relationship. We may also terminate with reasonable written notice. Upon termination, all fees and expenses incurred up to the termination date must be paid immediately, including any fixed fees for services already provided. We reserve the right to retain documents, funds, or proprietary information until outstanding amounts are paid.

11. Complaints and Dispute Resolution

If you have concerns about our services or fees, please raise them with us directly. If unresolved, contact the person representing Ozway Consulting. Should the issue persist, we agree to mediation or another form of dispute resolution before initiating legal proceedings.

12. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms and conditions of those websites. Accessing third-party websites is at your own risk.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our Website. It is your responsibility to review these Terms periodically.

14. Governing Law

These Terms are governed by and construed in accordance with the relevant laws, The National Consumer Credit Protection Act 2009 (National Credit Act) and the National Credit Code which regulate borrowing in Australia. Any disputes arising from these Terms or your use of our services will be subject to the exclusive jurisdiction of the courts in Australia.