Direct Credit Focus Terms & Conditions
The plain-language agreement that governs our advisory relationship. Questions? Visit our Advisory Desk.
1. Acceptance of Terms
By requesting an advisory consultation, you agree to review clear explanations of applicable interest, fees, exclusions, obligations, and product conditions before accepting binding agreements.
2. Advisory Guidance
Financial guidance is intended to support informed decisions. Recommendations do not guarantee approval, pricing, product availability, insurance coverage, or any particular financial outcome.
3. Educational Estimates
Repayment calculators, comparisons, projections, and other interactive estimates are illustrative only. Final terms depend on provider assessment and verified application information.
4. Provider Decisions
Lenders, insurers, and other financial providers independently determine eligibility, interest rates, premiums, limits, exclusions, repayment terms, and final approval.
5. Information Accuracy
You agree to provide complete, accurate, and current information. Incorrect or misleading details may affect eligibility, pricing, approval, coverage, or contractual obligations.
6. Supporting Documents
You may be required to provide identification, income evidence, bank statements, employment details, property information, or other documents needed for financial assessment.
7. Affordability
Any affordability assessment relies on information available at the time. You remain responsible for deciding whether a proposed financial commitment suits your circumstances.
8. Fees and Charges
Applicable advisory or service fees will be disclosed before becoming payable. Provider interest, premiums, taxes, and other charges may apply separately.
9. Third-Party Products
Financial products may be provided by independent lenders, insurers, payment providers, or other authorised partners under their own agreements and conditions.
10. Product Terms
Interest rates, premiums, repayment schedules, exclusions, coverage limits, and other financial conditions are determined by the relevant provider.
11. No Guaranteed Outcome
Submitting an enquiry, consultation request, or application does not guarantee approval, a specific rate, financial product, insurance coverage, or successful claim.
12. Cancellation Rights
You may cancel or modify an advisory consultation before any applicable service commitment takes effect, subject to disclosed terms and conditions.
13. Changes in Circumstances
You should promptly provide updated information if your income, employment, financial circumstances, property details, or other relevant circumstances change.
14. Communications
We may contact you regarding consultations, applications, documentation, service updates, payment matters, renewals, claims, or other requested financial services.
15. Electronic Documents
Where legally permitted, agreements, disclosures, notices, confirmations, and other documents may be provided and accepted electronically.
16. Compliance Checks
Services may require identity verification, credit checks, fraud prevention, anti-money laundering screening, or other verification procedures required by law or financial providers.
17. Missed Payments
Failure to meet financial obligations may result in interest, additional charges, collection activity, adverse credit reporting, cancellation, or other contractual consequences.
18. Complaints
Concerns about services should be raised through the applicable complaints process. Complaints concerning third-party products may need to be directed to the relevant provider.
19. Service Availability
We aim to provide reliable services but cannot guarantee uninterrupted website access, application processing, provider availability, or specific processing times.
20. Acceptance
By using advisory services, submitting information, or requesting financial assistance, you acknowledge that you have read, understood, and accepted these terms.