Website Terms and Conditions

These terms and conditions govern your access to and use of the website located at lydian.com.au and any associated pages, subdomains and brand websites operated by Lydian Financial Services Pty Ltd (“Lydian”, “we”, “us” or “our”). By accessing or using this website, you agree to be bound by these terms and conditions. If you do not agree, please do not use this website.

1.About this website

This website is operated by Lydian Financial Services Pty Ltd, an Authorised Representative (No. 525 778) of Specialist Financial Group, which holds Australian Credit Licence No. 387025. The website provides general information about our finance and mortgage broking network, our brands and our partners, and allows you to make enquiries and connect with a broker.

2.No financial or credit advice

The content on this website is general in nature and provided for information purposes only. It does not take into account your particular objectives, financial situation or needs, and it does not constitute financial, credit, taxation, legal or other professional advice.

Lydian Financial Services Pty Ltd is a credit representative and mortgage broker. We are not a lender and do not provide credit directly.

Before acting on any information on this website, you should consider its appropriateness having regard to your own circumstances, and you should seek personalised advice from a qualified professional. Any application for credit is subject to assessment, lender criteria, and approval. Interest rates, fees, products and lending criteria referred to on this website are subject to change without notice.

3.Eligibility

This website is intended for use by individuals located in Australia who are at least 18 years of age. By using this website, you represent and warrant that you meet these requirements and that the information you provide to us is accurate, current and complete.

4.Enquiries and your information

When you submit an enquiry or complete a form on this website, you consent to us collecting, using and disclosing your personal information in accordance with our Privacy Policy. Submitting an enquiry does not create any obligation on us to provide credit or any other service, and does not constitute an offer or guarantee of finance.

We may pass your enquiry to a broker within the Lydian network, one of our brands, or a relevant partner, in order to respond to your request. Please review our Privacy Policy for details on how we handle your personal information.

5.Acceptable use

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this website by any third party. In particular, you agree not to:

• use the website in any way that breaches any applicable local, state, national or international law or regulation;
• attempt to gain unauthorised access to the website, the server on which it is stored, or any server, computer or database connected to it;
• introduce any viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
• use any automated system, including robots, spiders or scrapers, to access or extract data from the website without our prior written consent;
• transmit any unsolicited or unauthorised advertising or promotional material; or
• use the website to transmit any content that is defamatory, offensive, misleading or otherwise objectionable.

6.Intellectual property

All content on this website, including text, graphics, logos, brand names, icons, images, and the selection and arrangement of that content, is owned by or licensed to Lydian Financial Services Pty Ltd and is protected by Australian and international intellectual property laws.

You may view, download and print content from this website for your own personal, non-commercial use only. You must not otherwise reproduce, modify, distribute, publish, transmit or commercially exploit any content from this website without our prior written permission.

7.Third party links and content

This website may contain links to websites operated by third parties, including our brands and partners. Those links are provided for your convenience only. We do not control, endorse or accept responsibility for the content, products or services available on any third party website. Your use of any linked website is at your own risk and subject to the terms and conditions of that website.

8.Availability of the website

We make reasonable efforts to keep the website available and up to date. However, we do not guarantee that the website, or any content on it, will always be available or be uninterrupted, timely, secure or error-free. We may suspend, withdraw or restrict the availability of all or any part of the website for business or operational reasons at any time without notice.

9.Disclaimer and limitation of liability

To the maximum extent permitted by law, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability of the website or the information, products, services or related graphics contained on the website for any purpose.

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 be lawfully excluded or limited. To the extent that our liability cannot be excluded but can be limited, our liability is limited, at our option, to the resupply of the relevant information or services or the payment of the cost of having the information or services resupplied.

To the maximum extent permitted by law, we will not be liable for any loss or damage, including indirect or consequential loss or damage, arising out of or in connection with your use of, or inability to use, this website or reliance on any content on it.

10.Indemnity

To the maximum extent permitted by law, you agree to indemnify us and hold us harmless from and against any claims, losses, liabilities, costs or expenses (including reasonable legal fees) arising out of your breach of these terms and conditions or your misuse of this website.

11.Privacy

Your use of this website is also governed by our Privacy Policy, which forms part of these terms and conditions. Our Privacy Policy explains how we collect, use, disclose and protect your personal information. By using this website, you consent to the handling of your personal information in accordance with our Privacy Policy.

12.Changes to these terms

We may amend these terms and conditions from time to time by posting the updated terms on this website. Any changes take effect from the date they are published. Your continued use of the website after any change constitutes your acceptance of the amended terms. We recommend you review these terms periodically.

13.Governing law

These terms and conditions are governed by the laws of the State of New South Wales and the Commonwealth of Australia. You submit to the non-exclusive jurisdiction of the courts of that State and any courts that may hear appeals from those courts.

14.Contact us

Version 1.0; June 2026