1. Acceptance of Terms
Welcome to MXJ Finance (“we”, “us”, “our”). By accessing and using our website (mxjfinance.com.au) and our mortgage broking services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.
2. About Us
MXJ Finance is operated by Michael Jin, Credit Representative Number 504501, authorised under Finsure Finance and Insurance Pty Ltd (ACN 068 153 926), holder of Australian Credit Licence Number 384704. Our registered address is The Zenith, 821 Pacific Highway, Chatswood NSW 2067, Australia.
3. Our Services
MXJ Finance provides credit assistance services including home loan and mortgage broking for first home buyers and experienced investors, refinancing services for existing home loans, car loans, and personal loans, investment property loan advice and structuring, commercial lending solutions, and debt consolidation services. We source finance products from a panel of over 430 lenders to find suitable options for your circumstances.
4. No Financial or Legal Advice
The information provided on our website and through our services is general in nature and does not constitute financial, legal, or taxation advice. We provide credit assistance only and do not provide financial planning or legal services. You should obtain independent professional advice before making any financial decisions. We do not make any representations about the current or future value of any property you finance through us.
5. Your Obligations
When using our services, you agree to provide accurate, complete, and current information about your financial situation, borrowing objectives, and requirements. You understand that we are required by law to verify the information you provide. You acknowledge that providing false or misleading information may result in loan application rejection or constitute fraud. You agree to promptly notify us of any changes to your circumstances that may affect your application.
6. Credit Assessment
Under the National Consumer Credit Protection Act 2009, we are obligated to ensure that any loan or lease we suggest is “not unsuitable” for you. This means we must make reasonable enquiries about your borrowing objectives and requirements, make reasonable enquiries about your financial situation, and take reasonable steps to verify your financial details. We will only recommend products that we believe you can afford to repay without substantial hardship and that meet your stated objectives.
7. Fees and Commissions
We may charge fees for our services, which will be disclosed to you in a Credit Quote before you apply for finance. We may receive commissions from lenders when your loan settles. These commissions are not fees payable by you. Full details of any commissions will be provided in the Credit Proposal Disclosure Document before you apply for finance.
8. Website Use
You may use our website for lawful purposes only. You must not use our website in any way that breaches any applicable laws or regulations, is fraudulent or deceptive, infringes any intellectual property rights, transmits any harmful code or malware, or attempts to gain unauthorised access to our systems.
9. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of MXJ Finance or our licensors and is protected by Australian and international copyright laws. You may not reproduce, distribute, modify, or republish any content from this website without our prior written consent.
10. Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or accept responsibility for the content, accuracy, or privacy practices of these external sites. Your use of third-party websites is at your own risk.
11. Limitation of Liability
To the maximum extent permitted by law, MXJ Finance excludes all liability for any loss or damage arising from your use of our website or services, including but not limited to direct, indirect, incidental, or consequential damages. Nothing in these terms excludes or limits any guarantee, warranty, or right you may have under the Australian Consumer Law or other legislation that cannot be lawfully excluded.
12. Indemnity
You agree to indemnify and hold harmless MXJ Finance, its officers, employees, and agents from any claims, losses, damages, or expenses (including legal fees) arising from your breach of these Terms and Conditions, your use of our website or services, or any false or misleading information you provide.
13. Privacy
Your privacy is important to us. Please refer to our Privacy Policy for information about how we collect, use, and disclose your personal information.
14. Complaints and Disputes
If you have any complaints about our services, please contact us directly. We will acknowledge your complaint within 5 business days and aim to resolve it as quickly as possible. If you are not satisfied with our response, you may refer the matter to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or by calling 1800 931 678.
15. Amendments
We reserve the right to amend these Terms and Conditions at any time. Any changes will be posted on this page with a revised effective date. Your continued use of our website and services after any changes constitutes your acceptance of the updated terms.
16. Severability
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
17. Governing Law
These Terms and Conditions are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for any disputes arising from these terms or your use of our services.
18. Contact Us
If you have any questions about these Terms and Conditions, please contact us:
MXJ Finance
Michael Jin (Director)
Credit Representative Number: 504501
Address: The Zenith, 821 Pacific Highway, Chatswood NSW 2067, Australia
Phone: 0416 080 336
Email: michaeljin@mxjfinance.com.au
Website: www.mxjfinance.com.au
