Welcome to the website of AssetFunder.com.au (ABN Asset Funder (“Company”, “we”, “our”, “us”).
By accessing or using this website (“Website”), you agree to be bound by these Terms of Use. If you do not agree, you must immediately cease using this Website.
We may update these Terms at any time. Continued use of the Website constitutes acceptance of the updated Terms.
This Website is intended for use by persons aged 18 years or over and who are residents of Australia.

2. General Information Disclaimer

All information on this Website is general in nature and does not take into account your objectives, financial situation or needs.
You should consider whether the information is appropriate for you before acting on it.
Finance is available to approved applicants only
Credit criteria, fees, charges and terms apply
Full terms and conditions are available upon request
Nothing on this Website constitutes financial, legal or credit advice.

3. Our Services

We provide broking and comparison services, which may include:
Business and personal loans
Asset and equipment finance
Vehicle finance
Other credit-related products and services
We act as an intermediary between you and third-party lenders and providers.
Our service is generally free to you. We may receive commissions or other benefits from lenders or product providers if you proceed with a product through us.

4. Credit Enquiries & Loan Estimates

Where applicable:
We may request your consent to obtain your credit information from a credit reporting body
This may be done for the purpose of providing estimates or assessing your eligibility
Initial enquiries used to generate estimates may not affect your credit score, however:
Proceeding with a formal application may result in a credit enquiry being recorded on your file

5. Third Party Products and Services

This Website may refer to or provide access to products and services offered by third parties.

You acknowledge that:

We do not control or guarantee third-party products or services
Product information is general and may be summarised for convenience
You must review the relevant lender or provider’s terms and conditions before proceeding
Any agreement for a product is between you and the third-party provider, not us.
We are not responsible for any loss, damage or liability arising from your use of third-party products or services.

6. Permitted Use

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

You must not:

Use the Website for any unlawful or fraudulent activity
Interfere with the security or functionality of the Website
Attempt to gain unauthorised access to systems or data
Use automated tools (e.g. bots, scrapers) to extract data
Copy, reproduce or distribute Website content without permission
Reverse engineer or attempt to discover source code
Send spam or unsolicited communications
You must ensure that all information you provide is accurate, complete and up to date.

7. Accounts and Security

If you create an account on this Website:
You are responsible for maintaining the confidentiality of your login details
You are responsible for all activity under your account
You must notify us immediately if you suspect unauthorised use
We may suspend or terminate accounts that breach these Terms.

8. Privacy

Your use of this Website is subject to our Privacy Policy.
We collect, use and disclose personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
By using this Website, you consent to our handling of your information as outlined in our Privacy Policy.

9. Intellectual Property

All content on this Website, including text, graphics, logos, branding and software, is owned by or licensed to us.
You must not:
Reproduce or distribute content without prior written consent
Use our branding or trademarks without permission
Use our content in a way that is misleading or damaging to our reputation

10. Website Availability

We aim to keep the Website accessible at all times, however we do not guarantee:
Continuous availability
That the Website will be error-free or secure
That the Website is free from viruses or harmful components
We may suspend or restrict access at any time without notice.

11. Limitation of Liability

To the maximum extent permitted by law:
The Website is provided “as is” without warranties of any kind
We do not guarantee accuracy, completeness or reliability of information
Your use of the Website is at your own risk
We are not liable for:
Any loss or damage arising from use of the Website
Reliance on information on the Website
Service interruptions or technical issues
Loss of data
Third-party conduct or products
Where liability cannot be excluded, it is limited to the minimum extent permitted by law.

12. Indemnity

You agree to indemnify and hold harmless the Company, its directors, employees and agents from any claims, loss or damage arising from:
Your breach of these Terms
Your misuse of the Website
Your violation of any law or third-party rights

13. Links to Third Party Websites

This Website may contain links to external websites.
We do not control or endorse those websites and are not responsible for their content, security or practices.
Accessing third-party websites is at your own risk.

14. Termination

We may suspend or terminate your access to the Website at any time without notice if you breach these Terms.

15. Governing Law

These Terms are governed by the laws of [Victoria, Australia].
You submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia.

16. Contact Us

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

CTM Lending Pty Ltd
Suite 302/55 Phillip St
Parramatta NSW 2150

Email: manmeet@assetfunder.com.au
Phone: 0424 500 400

17. Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the Website and supersede any prior agreements.