Terms and Conditions of use

1. About these Terms

In these Terms and Conditions of Use, the expressions “we”, “us”, “our” and “Tempo Finance” refer to Tempo Finance Pty Ltd ABN 96 697 469 499, Credit Representative 579646 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328, together with any related entities where applicable.

By accessing, browsing or otherwise using this website, you acknowledge that you have read, understood and agree to be bound by these Terms and Conditions of Use, our Privacy Policy, and any other notices or disclaimers published on this website.

If you do not agree to these Terms, you must not use this website.

We may update these Terms from time to time by publishing an updated version on this website. Where material changes are made, we will update the effective date or publish a notice on the website. Your continued use of the website constitutes acceptance of the updated Terms.

2. General Information Only

The information on this website is provided for general information purposes only and does not take into account your objectives, financial situation or needs.

Nothing on this website constitutes financial advice, credit advice, taxation advice or legal advice.

Before acting on any information, you should consider whether it is appropriate for your circumstances and seek independent professional advice where necessary.

3. Calculators and Tools

Any calculators, estimators or similar tools provided on this website are for illustrative and convenience purposes only.

Results are estimates and should not be relied upon as a guarantee of loan approval, borrowing capacity, or lending terms.

Actual lending decisions are made by individual lenders based on their own assessment criteria.

4. Internet Security

While we take reasonable steps to protect information submitted via this website, internet transmissions are not completely secure.

You acknowledge and accept the inherent security risks associated with using online services.

You are responsible for ensuring your own systems are protected against viruses, malware and other harmful software.

5. Third-Party Websites

This website may contain links to third-party websites for your convenience.

We do not control, endorse or accept responsibility for any third-party websites, their content, or any goods and services offered through them.

Your use of third-party websites is entirely at your own risk.

6. Use Outside Australia

This website is intended for use by residents of Australia only.

The products and services described are intended for Australian customers and are provided in accordance with Australian laws.

If you access this website from outside Australia, you do so at your own risk.

7. Third-Party Software

Any third-party software or services accessed via links on this website are provided by their respective owners.

We make no warranties and accept no responsibility for third-party software or services.

8. No Warranty

While we aim to ensure the information on this website is accurate and up to date, we do not warrant:

* the accuracy or completeness of information;

* that the website will always be available or uninterrupted; or

* that the website is free from viruses or harmful components.

Information may change without notice.

You should independently verify any information before relying on it.

9. Limitation of Liability

Nothing in these Terms excludes any rights that cannot legally be excluded under the Australian Consumer Law or any other applicable law.

To the maximum extent permitted by law, Tempo Finance, its directors, employees, contractors and agents are not liable for any loss or damage (whether direct, indirect or consequential) arising from:

* your use of this website;

* your reliance on any information on this website;

* any interruption or unavailability of the website; or

* any unauthorised access or alteration to your data.

Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

10. Copyright and Intellectual Property

All content on this website, including text, graphics, logos, branding, images and design elements, is owned by or licensed to Tempo Finance and is protected under the Copyright Act 1968 (Cth).

You must not reproduce, copy, modify, distribute, or commercially exploit any content without prior written consent from us.

All Tempo Finance branding and trademarks must not be used without written permission.

11. Privacy

Your use of this website is governed by our Privacy Policy.

By using this website or submitting personal information, you consent to the collection, use and disclosure of your personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy.

We comply with the Notifiable Data Breaches scheme where applicable.

12. Cookies and Tracking Technologies

This website uses cookies, pixels, analytics tools and similar technologies to:

* improve website functionality;

* analyse website traffic and usage;

* personalise user experience; and

* support marketing and advertising activities.

You can disable cookies through your browser settings, however some features of the website may not function properly.

13. Acceptable Use

You must not:

* use this website for unlawful, fraudulent or misleading purposes;

* interfere with website security or functionality;

* attempt unauthorised access to systems or data;

* introduce malicious code, viruses or harmful software;

* scrape, harvest or extract website content without permission;

* impersonate any person or misrepresent your identity; or

* submit false or misleading information.

We may suspend or restrict access to this website at our discretion if we reasonably suspect a breach of these Terms.

14. Artificial Intelligence (AI Use)

We may use artificial intelligence and automated systems to support website functionality, customer service, content generation, analytics, compliance and operational efficiency.

AI-generated content is provided for general information purposes only and may not always be accurate or appropriate for your circumstances.

AI outputs do not constitute financial, credit, legal, taxation or professional advice.

Where appropriate, AI-generated content may be reviewed by our team prior to publication.

You must not use bots, crawlers, scrapers, or AI systems to extract, copy or use website content for training, development or commercial purposes without our prior written consent.

All rights in our content, including for text and data mining purposes, are expressly reserved.

To the maximum extent permitted by law, we are not liable for any loss arising from reliance on AI-generated content accessed through this website.

15. Governing Law

These Terms are governed by the laws of the State of Victoria, Australia.

You agree to submit to the non-exclusive jurisdiction of the courts of Victoria and Australia in relation to any dispute arising from your use of this website.

16. General

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

A failure or delay by us in exercising a right does not constitute a waiver of that right.

These Terms, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and Tempo Finance relating to your use of this website.