Issued 23 June 2024

In these Terms and Conditions of Use, the expressions we, us and our mean Credit Concierge ABN 78 625 017 165 Australian Credit Licence 511803 and any related entity. 

Terms and conditions of use

By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time (together the Terms and Conditions of Use). If you do not accept our Terms and Conditions of Use you are not authorised to use our websites and should not continue to use them.

These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our websites. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.


Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice.

All reasonable care has been taken in preparing and designing the calculators and tools; however, Credit Concierge provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.

The calculators are continually being improved and updated. Therefore, to ensure that users access the most current version of these, please do not reproduce them. Instead, you are welcome to link to the calculator landing pages, subject to the Linking to our websites requirements set out on this page.

Internet security risks

We cannot guarantee the security of any information you disclose online. By using our website, you acknowledge that **you understand and agree to assume these risks**. You agree that we shall not be responsible for any breach of security except in the case of our gross negligence or wilful misconduct.

If your browser is set up correctly, it should tell you whether the information you are sending us is secure (encrypted) or not (unencrypted). If it is secure, we currently use SSL encryption.

You also acknowledge that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
The Internet is not a secure medium and communications to and from this website may be intercepted or altered in transit. We do not warrant that the website is free from anything which may damage any computer or other device which accesses the website or any data on such computer or other device.

There may be security risks in sending information via the Internet. You should assess these potential risks when deciding whether to use our online services.


Credit Concierge publishes electronic addresses on this website to facilitate communication relating to our business functions. This is not to be inferred as consent by Credit Concierge or the relevant addressees to receiving unsolicited commercial electronic messages or SPAM.

Links to other websites

Our websites may contain links to other websites operated by third parties that are not owned or controlled by Credit Concierge. These links are provided for convenience and do not signify that we endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. We have no control over the nature, content or availability of those sites.

To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites, including but not limited to their privacy policies, security practices or terms of service.

We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.

Please report any broken links to marketing@afgonline.com.au.

Use by persons outside of Australia

Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.

The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia. When you use the website, you accept that your use of the website, any information on the website and these Terms, will also be governed by the laws of Australia.

Any dispute or claim arising out of or in connection with these Terms or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Australia and the Australian courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to the website, although we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.

Accessing our website form a mobile device

If you access our website from a mobile device, you may not be able to access the full range of services which are ordinarily available from our website. If you are unable to view relevant information, you will need to obtain the information or document by accessing our website from a computer.

Third party software

Unless we tell you otherwise, any software you download from a third-party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.

To the extent permitted by law, we accept no responsibility or liability in respect of such third-party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.

No warranty or guarantee

While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.

We recommend that you seek independent advice before acting upon any of the information on our websites.

We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.

You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.

Limitation of liability

Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise. This includes the transmission of any viruses.

Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:

  • the resupply of the goods or services;
  • the repair of the goods or services
  • the payment of the cost of having the goods or services supplied again or repaired.

Copyright and trademarks

All information, material, text and graphics (‘Materials’) on our websites is the intellectual property of Cedit Conciereger unless stated otherwise and is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.

You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trademarks owned by us (or our licensors). You must not use any of our trademarks in any way without our prior written consent.

If you wish to reproduce any of our content you must first request our permission. If we grant our permission, you must give appropriate attribution to the author, firm and date of first publication. Please contact marketing@afgonline.com.au to request permission.

Linking to our websites

You must not link to any of our websites without our prior written permission. If we grant our permission, it is your responsibility to maintain the currency of your links to our site. Please contact marketing@afgonline.com.au to request permission.

When referring to our publications or other downloadable documents please link to the relevant webpage on the Credit Concierge website that contains the download link. This is to ensure users get the most up to date information when page content changes. It also prevents users from getting a broken link if we change it.