1. Our Disclosures 

Our commercial trading terms are provided to customers separately, but some important points for you to know about this website and interacting with us before you become a customer are set out below: 

• we will handle your personal information in accordance with our privacy policy, available at https://ezifin.com/privacy-policy-ezifin 

• browsing this website is at your own risk and its contents is for information only and does not constitute any form of advice or recommendations. We make no representations to you and you should obtain your own advice from third parties regarding the contents and products; 

• where any third party is identified or referred to, any such identification or reference is not to be taken as any form of endorsement and/or recommendation by us of such third party; 

• we may receive a service or other fee from  certain third party partners identified on this website; and 

• we may receive a benefit (which may include a referral fee or a commission) should you visit certain third-party websites via a link made available by us. 

Nothing in these terms limit your rights under Australian law and in particular the Australian Consumer Law. 

2. Introduction 

2.1 These terms and conditions (Terms) are entered into between Ezi Financial Services Pty Ltd ACN 628 254 455 (we, us or our) and you, together the Parties and each a Party. 

2.2 We provide lending and finance services, under specified conditions and terms (“Services”). 

2.3 In these Terms, you means (as applicable) any person browsing to this website for any reason, and/or each individual accessing or using our Services. 

2.4 If you are using this website and/or accessing our Services on behalf of your employer or a business entity, you, in your individual capacity, represent and warrant that you are authorised to act on behalf of your employer or the business entity and to bind the entity and the entity’s personnel to these Terms. 

3. Acceptance and Platform Licence 

3.1 You accept these Terms by remaining on this page and/or continuing to browse this website. 

3.2 You must be at least 18 years old to access our Services. 

3.3 We may amend these Terms at any time. Where you have registered with us we will provide written notice to you (Notice of Variation). The variation of these Terms will be taken to be effective 30 days after the date of the Notice of Variation. By clicking “I accept” or continuing to use after receipt of the Notice of Variation, ​​you will be deemed to have agreed to the amended Terms. If you do not agree to the amendment, you may cancel your registration by giving written notice to us. Any cancellation of registration by you will not interfere with or otherwise affect any contract or other agreement you have entered into with us 

3.4 We may use, or our Services may be affected by, third party APIs. Any such third party APIs will be subject to their terms of use. If there is an inconsistency between our terms and the third party terms, then our terms will prevail to the extent of the inconsistency. 

3.5 Subject to your compliance with these Terms, we grant you a personal, non-exclusive, revocable, worldwide, non-transferable licence to use our website, and any associated platform (“Platforms”), in accordance with these Terms. All other uses are prohibited without our prior written consent. 

3.6 You agree to use the Platforms in good faith and for a proper purpose, and when using the Platforms (which includes any one or more of them), you must not do or attempt to do anything that is unlawful or inappropriate, including: 

• (a) anything that would constitute a breach of an individual’s privacy (including uploading private or personal information without an individual’s consent) or any other legal rights; 

• (b) using the Platforms to defame, harass, threaten, menace or offend any person; 

• (c) using the Platforms for unlawful purposes; 

• (d) interfering with any user of the Platforms; 

• (e) tampering with or modifying the Platforms (including by transmitting viruses and using trojan horses); 

• (f) using the Platforms to send unsolicited electronic messages; 

• (g) using data mining, robots, screen scraping or similar data gathering and extraction tools on the Platforms; or 

• (h) facilitating or assisting a third party to do any of the above acts. 

4. Accounts  

4.1 You may need to register on the Platform and create an account (Account) to access the Platform’s features. 

4.2 You may only have 1 Account on the Platform. 

4.3 You must provide basic information when registering for an Account including your contact name, email address and phone number. 

4.4 Once you have registered an Account, your Account information will be used to create a profile which you may then curate. 

4.5 All personal information you provide to us will be treated in accordance with our Privacy Policy. 

4.6 You agree to provide and maintain up to date information in your Account and to not share your Account details with any other person. Your Account is personal and you must not transfer it to others. 

4.7 You are responsible for keeping your Account details confidential and you will be liable for all activity on your Account. You agree to immediately notify us of any unauthorised use of your Account. 

4.8 We may make access to and use of certain parts of the Platform subject to conditions or requirements, including identity verification, cancellation history, and quality of services. 

7. Communication 

7.1 Where you have registered with us we may contact you via the Platforms using in-Account notifications, or via off-Platform communication channels, such as text message or email. 

10. Intellectual Property 

10.1 All intellectual property (including copyright) developed, adapted, modified or created by us or our personnel (including in connection with the Terms, any content on the Platforms (excluding that of any third party), and documents developed by us including but not limited to these Terms) (Our Intellectual Property) will at all times vest, or remain vested, in us. 

10.2 We hereby grant to you a limited, personal licence to use Our Intellectual Property solely for the purposes of browsing this website. 

10.3 You must not, without our prior written consent: 

• (a) copy, in whole or in part, any of Our Intellectual Property; 

• (b) reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any of Our Intellectual Property to any third party; 

• (c) use for an improper purpose any of Our Intellectual Property; or 

• (d) breach any intellectual property rights connected with the Platforms, including (without limitation) altering or modifying any of Our Intellectual Property; causing any of Our Intellectual Property to be framed or embedded in another website; or creating derivative works from any of Our Intellectual Property. 

10.4 You agree that any revenue or proceeds obtained by you or by any other person as a result of a breach of this clause and for 5 years from the breach is a fair partial compensation to us and is immediately and irrevocably payable to us irrespective of us exercising our rights or not in assessing for further damages. 

10.6 This clause will survive the termination or expiry of these Terms. 

11. Content You Upload 

11.1 You may be permitted to post, upload, publish, submit or transmit relevant information and content (User Content) to this website and/or the Platforms. We may run campaigns via the Platform and via social media that encourage you to post User Content on social media using specific hashtags (#) (Tag). 

11.2 If you make any User Content available on or through the Platforms, including on social media using a Tag, you grant to us a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free licence to use the User Content, with the right to use, view, copy, adapt, modify, distribute, license, transfer, communicate, publicly display, publicly perform, feed machine learning or otherwise contribute to AI engines, transmit, stream, broadcast, access, or otherwise exploit such User Content on, through or by means of the Platform and our social media platforms. You may request that any of your User Content is removed from the front-end of the Platform or social media by sending us an email to the address at the end of these Terms. We will endeavour to action any removal requests within a reasonable time. 

11.3 You agree that you are solely responsible for all User Content that you make available on or through the Platform, including on social media using a Tag. You represent and warrant that: 

• (a) you are either the sole and exclusive owner of all User Content or you have all rights, licences, consents and releases that are necessary to grant to us the rights in such User Content (as contemplated by these Terms); and 

• (b) neither the User Content nor the posting, uploading, publication, submission or transmission of the User Content or our use of the User Content on, through or by means of our Platform (including on social media) will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation. 

11.4 We do not endorse or approve, and are not responsible for, any User Content not provided by us. We may, at any time (at our sole discretion), remove any User Content. 

11.5 This clause will survive the termination or expiry of these Terms. 

12. Warranties 

12.1 You represent, warrant and agree that: 

(a) you will not use our Platforms, including Our Intellectual Property, in any way that competes with our business; 

(b) there are no legal restrictions preventing you from entering into and/or complying with these Terms; 

(c) all information and documentation that you provide to us in connection with these Terms or requesting our Services is true, correct and complete; 

(d) you are responsible for complying with all laws, rules and regulations which apply to providing the Digital Products in your Listings; and 

(e) you are appropriately qualified, and have any required licences, approvals, skills, knowledge or training, to provide the Digital Products. 

13. Australian Consumer Law 

13.1 Certain legislation, including the Australian Consumer Law (ACL) in the Competition and Consumer Act 2010 (Cth), and similar consumer protection laws and regulations, may confer you with rights, warranties, guarantees and remedies relating to the provision of the Platform by us to you which cannot be excluded, restricted or modified (Consumer Law Rights). 

13.2 If the ACL applies to you as a consumer, nothing in these Terms excludes your Consumer Law Rights as a consumer under the ACL. You agree that our Liability for the Platform provided to an entity defined as a consumer under the ACL is governed solely by the ACL and these Terms. 

13.3 Subject to your Consumer Law Rights, we exclude all express and implied warranties, and all material, work and services (including the Platform) are provided to you without warranties of any kind, either express or implied, whether in statute, at law or on any other basis. 

13.4 As a Purchaser, the Digital Products provided by a Listing Partner may also confer on you certain rights under the ACL. 

13.5 This clause will survive the termination or expiry of these Terms. 

14. Limitations on liability 

14.1 To the maximum extent permitted by law, we will not be liable for, and you waive and release us from and against, any Liability caused or contributed to by, arising from or connected with any aspect of the Services. 

14.2 Despite anything to the contrary, to the maximum extent permitted by law: 

• (a) no Party will be liable for Consequential Loss; 

• (b) each Party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the acts or omissions of the other Party or any of that Party’s personnel, including any failure by that party to mitigate its losses; and 

14.3 This clause will survive the termination or expiry of these Terms. 

15. Termination 

15.1 Your Account may be terminated by you at any time, using the ‘cancel Account’ functionality (or similar) in the Account page section of your Account settings. Your cancellation will take effect from the date you execute the cancel Account function. 

15.2 We may terminate your Account at any time by giving you written notice, without cause. 

17. General 

17.1 Assignment: Subject to the below clause, a Party must not assign or deal with the whole or any part of its rights or obligations under these Terms without the prior written consent of the other Party (such consent is not to be unreasonably withheld). 

17.2 Assignment of Debt: You agree that we may assign or transfer any debt owed by you to us, arising under or in connection with these Terms, to a debt collector, debt collection agency, or other third party. 

17.3 Confidentiality: Other than where the disclosure is permitted by law, each Party agrees not to disclose any confidential information it may access on or through the Platforms to a third party, or otherwise misuse such confidential information.  

17.4 Disputes: In relation to a dispute, controversy or claim arising from, or in connection with, these Terms, a Party may not commence court proceedings relating to a Dispute without first meeting with a senior representative of the other Party to seek (in good faith) to resolve the Dispute. If the Parties cannot agree how to resolve the Dispute at that initial meeting, either Party may refer the matter to a mediator. If the Parties cannot agree on who the mediator should be, either Party may ask the Law Society of New South Wales to appoint a mediator. The mediator will decide the time, place and rules for mediation. The Parties agree to attend the mediation in good faith, to seek to resolve the Dispute. The costs of the mediation will be shared equally between the Parties. Nothing in this clause will operate to prevent a Party from seeking urgent injunctive or equitable relief from a court of appropriate jurisdiction. 

17.5 Entire Terms: Subject to your Consumer Law Rights, these Terms contains the entire understanding between the Parties and the Parties with respect to browsing and/or using this website, and you agree that no representation or statement has been made to, or relied upon by, either of the Parties, except as expressly stipulated in these Terms, and these Terms supersede all previous discussions, communications, negotiations, understandings, representations, warranties, commitments and agreements, in respect of its subject matter. 

17.6 Force Majeure: Neither Party will be liable for any delay or failure to perform their respective obligations under these Terms if such delay or failure is caused or contributed to by a Force Majeure Event, provided the Party seeking to rely on the benefit of this clause, as soon as reasonably practical, notifies the other party in writing about the Force Majeure Event and the extent to which it is unable to perform its obligations, and uses reasonable endeavours to minimise the duration and adverse consequences of the Force Majeure Event. 

17.7 Further assurance: Each Party must promptly do all things and execute all further instruments necessary to give full force and effect to these Terms and their obligations under it. 

17.8 Governing law: These Terms are governed by the laws of New South Wales. Each Party irrevocably and unconditionally submits to the exclusive jurisdiction of the courts operating in New South Wales and any courts entitled to hear appeals from those courts and waives any right to object to proceedings being brought in those courts. 

17.9 Notices: Any notice given under these Terms must be in writing addressed to us at the details set out below or to you at the details provided in your Account. Any notice may be sent by standard post or email, and will be deemed to have been served on the expiry of 48 hours in the case of post, or at the time of transmission in the case of transmission by email. 

17.10 Privacy: Each Party agrees to comply with the legal requirements of the Australian Privacy Principles as set out in the Privacy Act 1988 (Cth) and any other applicable legislation or privacy guidelines. 

17.12 Relationship of Parties: These Terms are not intended to create a partnership, joint venture, employment or agency relationship between the Parties. 

17.13 Severance: If a provision of these Terms is held to be void, invalid, illegal or unenforceable, that provision is to be read down as narrowly as necessary to allow it to be valid or enforceable, failing which, that provision (or that part of that provision) will be severed from these Terms without affecting the validity or enforceability of the remainder of that provision or the other provisions in these Terms. 

17.14 Third party sites: The Platform may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse support and/or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations with respect to the suitability of those websites. If you purchase goods or services from a third party website linked from this Website and/or Platforms, such third party provides the goods and services to you, not us. We may receive a benefit (which may include a referral fee or a commission) should you visit certain third-party websites via a link on the Platform (Affiliate Link) or for featuring certain products or services on the Platform. We will make it clear by notice to you which (if any) products or services we receive a benefit to feature on the Platform, or which (if any) third party links are Affiliate Links. 

18. Definitions 

18.1 Consequential Loss means, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise; any loss or damage that cannot be considered to arise according to the usual course of things from the relevant breach, act or omission, whether or not such loss or damage may reasonably be supposed to have been in the contemplation of the Parties at the time they entered into these Terms as the probable results of the relevant breach, act or omission, and/or, any real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data. The Parties agree that your obligation to pay us the Fee under these Terms will not constitute “Consequential Loss”. 

18.2 Force Majeure Event means any event or circumstance which is beyond a Party’s reasonable control. 

18.3 Intellectual Property means any and all existing and future rights throughout the world conferred by statute, common law, equity or any corresponding law in relation to any copyright, designs, patents or trade marks, domain names, know-how, inventions, processes, trade secrets or confidential information, circuit layouts, software, computer programs, databases or source codes, including any application, or right to apply, for registration of, and any improvements, enhancements or modifications of, the foregoing, whether or not registered or registrable. 

18.4 Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or a party to these Terms or otherwise. 

For any questions or notices, please contact us at: 

Ezi Financial Services Pty Ltd 

Email: support@ezifin.com  

Portal: https://ezifin.com  

Last update: 22 September 2025 

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