Terms of Service

1. Acceptance of Terms

By accessing and using ProperLoans ("we", "us", or "our"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Our Services

ProperLoans is a comparison service that provides:

• Information about financial products and services
• Comparison tools for loans, credit cards, and other financial products
• Educational content about personal finance
• Referrals to third-party financial service providers

3. Not Financial Advice

The information provided on ProperLoans is general in nature and does not constitute personal financial advice. We recommend you seek independent financial advice before making any financial decisions. We do not guarantee the accuracy, completeness, or timeliness of the information provided.

4. Affiliate Relationships

We may receive commissions or fees when you click on links or apply for products through our site. This does not affect the price you pay. Our affiliate relationships are disclosed in our Advertiser Disclosure policy.

5. User Responsibilities

You agree to:

• Provide accurate information when using our services
• Not use our services for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not reproduce, duplicate, or copy any content without permission

6. Intellectual Property

All content on ProperLoans, including text, graphics, logos, and software, is the property of ProperLoans Pty Ltd or its content suppliers and is protected by Australian and international copyright laws.

7. Limitation of Liability

To the maximum extent permitted by law, ProperLoans shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites.

9. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of the modified terms.

10. Governing Law

These Terms of Service are governed by the laws of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of New South Wales.

11. Contact Us

If you have any questions about these Terms of Service, please contact us at: