Website Terms and Conditions

1. Operator of the website

This website is owned and operated by eCapital Funding Pty Ltd (ABN 87 644 317 902). eCapital Funding operates and is licensed under Australian Credit Licence No. 384704.

2. Acceptance of these terms

By accessing or using this website you agree to be bound by these Terms and Conditions, our Privacy Policy, our Credit Guide and any other policies referenced on the site. If you do not agree, you must not use the website.

We may amend these Terms and Conditions from time to time. Continued use of the website constitutes acceptance of the amended terms.

3. General information only

The information, tools, calculators and other content on this website are provided for general information purposes only. They do not take into account your personal objectives, financial situation or needs and do not constitute credit, financial, tax, legal or investment advice. You should obtain professional advice appropriate to your circumstances before acting on any information on this website.

Any indicative rates, repayments, borrowing powers, servicing calculations, debt service coverage ratios or scenario outputs generated by our online tools are estimates only. Actual outcomes depend on lender assessment, product terms, fees, security and your individual circumstances. No approvals, outcomes or rates are guaranteed.

4. Third-party content and links

This website may contain links to third-party websites, materials or services. Those links are provided for convenience only. We do not endorse and are not responsible for the content, products, services or privacy practices of third-party sites.

5. Intellectual property

All content on this website (including text, images, graphics, logos, branding, videos and software) is owned by or licensed to eCapital Funding and is protected by Australian and international copyright and trade mark laws. You may view and download material for personal, non-commercial use only. You must not reproduce, modify, republish, distribute or commercialise any content without our prior written consent.

6. Enquiries, forms and consent

By submitting an enquiry, calculator lead form, Learning Centre form or contact form on this website you:

• confirm that the information you have provided is true, accurate and complete;
• consent to us contacting you by phone, email or SMS in relation to your enquiry;
• where you have ticked the relevant consent box, consent to receiving our newsletter and marketing communications, which you may opt out of at any time;
• agree that we may handle your information in accordance with our Privacy Policy and Privacy Consent.

7. Prohibited use

You must not use this website:

• in any way that breaches any applicable law or regulation;
• to transmit unsolicited or unauthorised advertising or promotional material;
• to knowingly transmit any viruses, worms, trojan horses or similar harmful code;
• to attempt to gain unauthorised access to the website, the server on which it is hosted or any related database;
• to reverse-engineer, scrape or bulk-download content, or to interfere with any security-related features.

8. Chloe AI assistant

Our online assistant, "Chloe", provides general information only and is not a substitute for personal advice from a qualified credit adviser. Chloe does not provide personal credit, financial, tax or legal advice, cannot make lending decisions and cannot commit us or any lender to a particular outcome. Conversations with Chloe may be recorded, stored and reviewed for quality, training, compliance and security purposes.

9. To the extent permitted by law

To the maximum extent permitted by law, eCapital Funding and its officers, employees, agents and contractors:

• make no representation or warranty as to the accuracy, completeness or currency of any material on the website;
• are not liable for any direct, indirect, incidental, consequential or special loss or damage arising out of or in connection with your use of this website or reliance on its content, including any loss of profits, revenue, data or goodwill.

Nothing in these Terms and Conditions excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot lawfully be excluded, restricted or modified.

10. Indemnity

You agree to indemnify us and hold us harmless from any claims, losses, liabilities, expenses, damages and costs (including reasonable legal costs) arising out of or in connection with your breach of these Terms and Conditions or your unlawful or wrongful use of the website.

11. Governing law

These Terms and Conditions are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and courts entitled to hear appeals from those courts.

12. Contact

If you have any questions about these Terms and Conditions, please contact us at info@ecapitalfunding.com.au or on 02 3819 3888.