Terms and Conditions

1. Acceptance of Terms

By accessing and using the Esteb and Co website and services ("Services"), you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Our Services

2.1 Loan Comparison and Brokerage

Esteb and Co provides a technology-driven platform that:

• Compares loan products from multiple lenders
• Matches users with suitable lenders based on their profile
• Facilitates loan applications with selected lenders
• Provides tools, calculators, and educational content

2.2 No Guarantee of Approval

While we use advanced algorithms to match you with suitable lenders, we cannot guarantee loan approval. Final lending decisions are made by the lenders themselves based on their credit criteria.

2.3 Free Service

Our service to consumers is free. We receive commissions from lenders when loans are successfully settled. This does not affect the interest rate or terms you receive.

3. User Obligations

3.1 Accurate Information

You agree to provide accurate, complete, and current information when using our Services. Providing false or misleading information may:

• Result in loan application rejection
• Constitute fraud
• Lead to termination of our services

3.2 Eligibility

To use our Services, you must:

• Be at least 18 years old
• Be an Australian resident or citizen
• Have the legal capacity to enter into a binding contract

3.3 Responsible Use

You agree not to:

• Use our Services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Submit multiple fraudulent applications
• Interfere with the proper functioning of our Services
• Scrape or harvest data from our platform

4. Credit Checks and Enquiries

4.1 Credit Assessment

When you submit a loan assessment or application, we may:

• Conduct credit checks with credit reporting agencies
• Request additional documentation
• Verify your employment and income

4.2 Credit Enquiries

Initial assessments may result in "soft" credit enquiries that don't affect your credit score. Formal applications typically result in "hard" enquiries that may impact your credit score.

5. Lender Relationships

5.1 Independent Lenders

The lenders on our panel are independent third parties. We are not responsible for:

• Lender credit decisions
• Loan terms and conditions set by lenders
• Lender customer service
• Lender compliance with lending laws

5.2 Commission Disclosure

We receive commissions from lenders when loans settle. Commission rates vary by lender and product type. This does not influence our matching algorithm, which is designed to find the best options for you based on your profile.

6. Intellectual Property

6.1 Our Content

All content on our website, including but not limited to text, graphics, logos, software, and algorithms, is owned by or licensed to Esteb and Co and is protected by copyright and intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal, non-commercial purposes.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these Terms.

8. Disclaimers and Limitations

8.1 No Financial Advice

The information and tools provided on our website are for general information purposes only and do not constitute financial advice. You should consider seeking independent financial, legal, and taxation advice before making any financial decisions.

8.2 Accuracy of Information

While we strive to provide accurate and up-to-date information, we do not warrant that:

• Interest rates and product information are current or complete
• Our website will be error-free or uninterrupted
• Calculators and tools will produce accurate results in all cases

8.3 Limitation of Liability

To the maximum extent permitted by law, Esteb and Co shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data
• Loan application rejection
• Delays in processing

9. Third-Party Links and Services

Our website may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of these third parties. Your use of third-party websites is at your own risk.

10. Termination

We reserve the right to suspend or terminate your access to our Services at any time, without notice, for:

• Breach of these Terms
• Fraudulent activity
• Abusive behavior toward our staff
• Any other reason we deem appropriate

11. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of our Services after changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of Australia. Any disputes arising from these Terms or our Services shall be subject to the exclusive jurisdiction of the courts of Australia.

13. Dispute Resolution

13.1 Internal Dispute Resolution

If you have a complaint, please contact us first at complaints@estebandco.com. We will attempt to resolve your complaint within 30 days.

13.2 External Dispute Resolution

If we cannot resolve your complaint, you may refer the matter to the Australian Financial Complaints Authority (AFCA):

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Credit Guide, constitute the entire agreement between you and Esteb and Co regarding the use of our Services.

16. Contact Information

If you have questions about these Terms, please contact us: