Terms of Use

Introduction

This website is operated and provided by RedZed Lending Solutions Pty Ltd. ABN 31 123 588 527, Australian Credit Licence 311128 and Australian Financial Services Licence 311128 (“RedZed”).

Any reference to RedZed's website in these Terms means any webpage that is RedZed-branded or white labelled but managed by RedZed and which is connected to a product or service you have consented to or from which these Terms of Use are made available.

If you do not agree with any part of these Terms, you must not access or use our website.

The products and services referred to in this website are only available in Australia.

General information only

The information contained in this website is of a general nature and is designed to be used as a guide only. It does not take into account your personal needs and is not to be used as a substitution for independent professional advice. RedZed recommends that all applicants and borrowers should seek independent professional advice.

All examples or scenarios are illustrative only and do not amount to endorsements. The names used are fictitious.

Subject to approval

All loan applications and requests subsequent to settlement are subject to RedZed's lending criteria and lending policy which may be amended from time to time without notice. Fees, charges and conditions apply.

Permitted Use of Our Website

You may only use this website for:

1. finding out about RedZed and our products and services;
2. communicating with us; and/or
3. accessing a product or service you have applied for, received, or consented to use.

You must not use, or permit another person to use, this website:

1. for any purpose likely or intended to damage, disrupt or cause harm to us or any other person;
2. for any unlawful, fraudulent, malicious or improper purpose;
3. for any activity that is false, misleading, defamatory, threatening, harassing, abusive, offensive or otherwise in breach of any law or third-party rights; or
4. in any way that interferes with the operation, availability or security of this website.

You must not, and must not permit anyone else to:

1. use any robot, spider, scraper, data aggregation tool or other automated process to monitor, copy or extract content from this website without our prior written consent;
2. circumvent, breach or interfere with any security feature of this website; or
3. reverse engineer, decompile, disassemble or otherwise attempt to derive source code, software, systems, algorithms or processes associated with this website.

Privacy

We collect, use, disclose and manage personal information in accordance with our Privacy Policy.

Please review our Privacy Policy, available here

By using this website, you acknowledge that your personal information may be collected, used and disclosed in accordance with that Privacy Policy.

AI tools

JessAI is an AI-powered virtual assistant and help answer general questions and guide you to information and services.

Responses are generated automatically and may not always be accurate, complete or suitable for your circumstances. You should not rely on responses as financial, legal or credit advice.

For assistance with specific account matters or complex enquiries, you may be connected with a member of our team.

Your conversation may be recorded, monitored and used to improve our services in accordance with our Privacy Policy.

Cookies and Tracking Technologies

What Are Cookies?

Cookies are small text files that are downloaded to your computer, tablet or mobile device when you visit a website. They allow a website to recognise your device, remember your preferences and settings, and improve your browsing experience. Some cookies are essential for website functionality, while others help us analyse website performance and deliver relevant content and advertising.

How RedZed Uses Cookies and Tracking Technologies

RedZed uses cookies, tracking pixels and similar technologies on its websites and digital services to:

• remember your preferences and settings;
• provide website functionality and online services;
• understand how visitors use our websites and digital services;
• improve website performance, products and services;
• personalise content and user experiences;
• measure the effectiveness of advertising and marketing campaigns;
• deliver advertising that may be relevant to your interests; and
• support security, fraud detection and website integrity.

These technologies may collect information about your interactions with our websites, including where you start but do not complete an application, form or survey.

In most cases, this information does not directly identify you. However, where we can identify you (for example, when you log into an online service), the information will be handled in accordance with our Privacy Policy and applicable privacy laws.

Third-Party Analytics and Advertising Technologies

RedZed uses third-party analytics, advertising and social media providers, including Google Analytics and social media platforms such as Meta, to help us understand how our websites are used and to deliver more relevant advertising.

These providers may collect or receive information from your device through cookies, pixels and similar technologies. Information collected may be used by those providers in accordance with their own privacy policies and may enable them to recognise or identify you across different online services.

For further information about Google Analytics, visit Google Analytics Privacy Information.

Information Collected

Information collected through cookies and tracking technologies may include:

• IP addresses and other online identifiers;
• cookie, browser and device identifiers;
• information about pages visited and content viewed;
• information about products or services you appear interested in;
• interaction with advertisements, links and website features; and
• information about completed or abandoned applications, forms or enquiries.

Managing Cookies

You can manage, restrict or disable cookies and similar tracking technologies through your browser or device settings. Many analytics and advertising providers also offer tools that allow you to opt out of targeted advertising.

Please note that disabling certain cookies may affect the functionality and performance of our websites and digital services.

Third-Party Links and Tools

Our website may contain links to third-party websites, products, services or applications (Third-Party Offerings).

We do not own or control Third-Party Offerings and are not responsible for their content, operation, security, privacy practices or availability.

A link to a Third-Party Offering does not constitute an endorsement or recommendation by RedZed.

To the extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance upon, any Third-Party Offering.

You should carefully review the terms of use and privacy policies of any Third-Party Offering before accessing or using it.

Certain tools, calculators, software applications or other features made available through this website may be provided by third parties (Tools). These Tools are provided for convenience only, and we do not guarantee their accuracy, availability, suitability or fitness for any purpose.

Availability of the Website

This website may be unavailable from time to time due to maintenance, upgrades, technical issues, security incidents or circumstances beyond our control.

To the extent permitted by law, we do not guarantee that:

• this website will be continuously available;
• access will be uninterrupted or error-free; or
• the website will be free from viruses, malware or other harmful components.

We reserve the right to suspend, modify, withdraw or discontinue any aspect of this website at any time without notice.

We recommend that you maintain current security, antivirus and malware protection on any device you use to access our website.

Unless required by law, we are not responsible for providing, maintaining or repairing any hardware, software or internet connection required for access to this website.

Intellectual Property, Copyright and Trade Marks

This website and its content are protected by copyright and other intellectual property rights owned by or licensed to RedZed.

You may download and print content from this website for your personal use or internal business purposes only.

Except as permitted by law, you must not reproduce, publish, distribute, adapt, modify, communicate or otherwise exploit any content from this website without our prior written consent.

RedZed, the RedZed logo, and any associated brand names and logos are trade marks owned by or licensed to RedZed. Nothing on this website grants you any licence or right to use those trade marks without our prior written consent.

All rights not expressly granted are reserved.

Applicable Law

This website and our products and services have been prepared for use by persons located in Australia and in accordance with Australian law.

Persons outside Australia should not rely on information contained on this website as legal, financial or regulatory advice applicable to their jurisdiction.

Specifically, these Terms are governed by the laws of Victoria, Australia. You submit to the non-exclusive jurisdiction of the courts of Victoria and any courts competent to hear appeals from those courts.

Liability

Nothing in these Terms excludes, restricts or modifies any rights or remedies that cannot be excluded, restricted or modified under applicable law, including the Competition and Consumer Act 2010 (Cth).

We do not warrant or represent that information on this website is complete, accurate, current or suitable for your circumstances.

Indemnity

To the maximum extent permitted by law, you agree to indemnify and hold harmless RedZed, members of the RedZed Group, and their officers, employees, agents and contractors from and against any liabilities, losses, damages, costs and expenses (including legal costs on a full indemnity basis) arising from or in connection with:

• your breach of these Terms;
• your unlawful, negligent or fraudulent conduct; or
• your misuse of this website,

except to the extent that such loss or damage is caused or contributed to by RedZed.

If we do not enforce a right under these Terms, this does not constitute a waiver of that right.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

These Terms constitute the entire agreement between you and us in relation to your access to and use of this website.

Changes to the Website and these Terms

We may modify, update, suspend, withdraw or restrict access to this website at any time.

We may amend these Terms at any time by publishing updated Terms on this website.

Your continued use of the website after revised Terms are published constitutes acceptance of those revised Terms.

If you do not agree to any revised Terms, you must immediately stop using the website.