Empire Finance Brokers

Terms and Conditions of Website Use

This website is owned by Custom Finance (WA) Pty Ltd (ACN 118 960 848) trading as Empire Finance (ABN 82 118 960 848) here after mentioned as “Empire Finance” 

The following terms and conditions (“Terms”) apply to your use of this website. Your use of the website means that you accept these Terms and our Privacy Policy. If you do not agree to be bound by these Terms and our Privacy Policy, you must cease use of the website and services, or be taken to be bound by them.

Empire Finance matches Australian small businesses with Product Providers. This includes the identification of potentially applicable products and Product Providers that may be interested in serving your business needs and facilitating your application to those Product Providers. The information provided on the website, and through the matching and application process is a guide only, based on information provided by Product Providers regarding the basis upon which they are likely to approve an applicant and may not be complete for your purposes or take account of every factor that will be relevant in the Product Provider’s final decision. Empire Finance does not warrant the accuracy of the information provided, and it is recommended that information is confirmed with the product providers on our platform. Empire Finance and its agents assume no responsibility for actions or omissions based on any information, services, or other material on our website.

Additional terms and conditions are set out below.

Definitions

  • Empire Finance, we or us means Custom Finance (WA) Pty Ltd (ACN 1189 960 848),  Empire Finance (ABN 82 118 960 848), and Trevor Mayes (Director)  and our employees, contractors, associates, business partners, and any related entities.
  • Personal Information means any information or an opinion, whether true or not, and whether recorded in a material form or not, from which your identity is apparent.
  • Privacy Policy means our privacy policy available here at Privacy Policy, or through calling us on 0415 638 927 and requesting a hard copy.
  • Product Provider means the entities listed in the schedule available at https://empirefinancebrokers.com.au/  or any other organisation not listed providing finance or insurance products.

 

Disclaimer of warranty

Although Empire Finance has taken great care to ensure the reliability of any statements on our website, Empire Finance gives no warranty in relation to such statements or information. We expressly disclaim liability arising from persons acting or failing to act based on the information contained on our website. Empire Finance further disclaims any responsibility or obligation to provide updates on the published information. These disclaimers explicitly extend to third-party content published on our website, whether by organisations or individuals, including (but not limited to) on our blog and forum. Such content reflects the views, beliefs, and/or positions of the authors of the content, and not necessarily those of Empire Finance.

Limitation of liability

Empire Finance will not be held liable for any incidental, special, consequential, or indirect damages arising out of, or related to, the use of the website or services provided by Empire Finance. This will be the case even if Empire Finance knows or has been advised of the possibility of such damages. These damages include, but are not limited to, damage for loss or corruption of data, and interruptions to the services we provide.

Copyright and links to third-party websites and services

This website is subject to copyright and is entirely owned by Empire Finance. The website may also display third-party materials that are subject to copyright. Except as permitted by the Copyright Act 1968, you may not reproduce, sell, publish, transmit or disseminate the contents of this website without our prior permission. You may use the information provided for your private or internal purposes only.

The Empire Finance website may contain links to websites of third parties. These third-party websites are not under Empire Finance’s control, and we disclaim responsibility for any content provided on a third-party website. Reference on our website to any products, services, or other information (by use of name, logo, or otherwise) does not constitute an endorsement of such products, services, or information. Indicative rates provided are for information purposes only and must be confirmed with the third-party quoted before relying on such a quote. Your correspondence and/or business dealings with third parties found on or through our website are solely between you and such third parties, and you agree that Empire Finance will not be held liable for any loss or damage arising through such correspondence or business dealings.

Use of information or content provided by you

  1. Status of content submitted to our website and for provision of services

By submitting content (including personal and business information) to our website, you agree to grant Empire Finance a perpetual, non-exclusive, irrevocable, royalty-free license to use such content. Use may include but is not limited to – reproduction, adaptation, editing, modification, translation, publication, transfer, and/or distribution of the content. This shall specifically include a license for us to make the content available to other companies/organisations with whom we have business relationships. Such provision of your information may require changes to your content.

  1. Inquiry with a specific Product Provider

By submitting your information to retrieve your product options, you consent to us providing Product Providers with your information (including Personal Information) in accordance with our Privacy Policy.

  1. Exchange information with Product Providers

By submitting your information to retrieve your product options, you consent to us requesting information from Product Providers about whether you have progressed with an application, the circumstances of your application, and reasons why your application has been approved, declined, settled, or withdrawn.

  1. Ongoing communication

You agree that we may use the contact details you have provided to us in order to contact you from time to time to update you on the services that we provide. You may opt out of these communications, at which point we will cease to contact you.

  1. Disclosure as required by law

You acknowledge and agree that we may disclose information provided by you if required by law.

For further information about the collection and use of information provided by you while using this website and Empire Finance services, please read our Privacy Policy on this website. By using the website and any Empire Finance services, you are agreeing to the terms of the Privacy Policy.

Security of information

Security of your information is critical to us here at Empire Finance. We maintain strong security measures to prevent unauthorised access to our systems and the information that you provide while using our website and services. This includes encryption of our website and services using SSL technology, and review of our systems to ensure ongoing security standards are maintained. We maintain strict confidentiality standards with employees, agents, and contractors.

General Advice Warning

The services provided by Empire Finance are to be used as a guide only. We explicitly provide no guarantee as to the price/rate offered by a particular Product Provider, nor provide any guarantee as to approval by a Product Provider. Estimates of time to funding and product features are also general guides and not guarantees. Loans may take longer to fund than the minimum time specified for that Product Provider, depending on the specific loan, and supporting documentation required. Individual product features (for example, requirement for security, guarantees, supporting documentation) may change or no longer become available depending on the circumstances of the applicant – this is at the sole discretion of our Product Providers when processing your application.

Use of the site and Empire Finance services

1.Use is for business purposes only

Empire Finance operates to serve Australian small businesses. You agree to use our site and services only for business purposes. You agree not to use this website for any personal purposes.

2.Exclusive use

The registered account provided by Empire Finance to you is to be used only by you or an agent/employee of your business. You acknowledge that Empire Finance will not be held responsible for third-party access to your account that results from theft or misappropriation of your login details (username or email and password)

3.Information submitted by you

You are solely and fully responsible and accept liability flowing from your provision of information on our website. This includes information provided for matching purposes and information that we pass on to Product Providers. You undertake to only submit accurate information to this website and accept responsibility for harm or damage resulting directly or indirectly from the provision of inaccurate information, whether submitted in good faith, negligently, or wilfully.

4.Risk assumption

You assume all risks when using our website and services. This includes, but is not limited to risks associated with interactions, product applications, and receiving funding from third parties through our website.

5.Disclaimer of guarantees on matching and funding approvals

Empire Finance does not guarantee that you will be matched to Product Providers. Empire Finance also explicitly disclaims that matching with a Product Provider, or being connected to a Product Provider, constitutes any guarantee or representation that funding will be approved or provided by the matched or connected Product Provider.

6.Use is for legal purposes only

You agree to only use this website and services in accordance with all applicable laws (federal, state, and local)

Indemnification

You agree to indemnify Empire Finance for any losses, costs, liabilities, and expenses arising out of:

  1. Your use of our website or services
  2. Content published by you on our website (including but not limited to our blog and forum)
  3. Your violation of these Terms
  4. Your violation of any applicable laws, rules, or regulations

Empire Finance reserves the right to assume the exclusive defence and control of any such matter subject to this indemnification clause. If this occurs, Empire Finance will take on any costs associated with defending the matter, and you agree to fully cooperate with Empire Finance in asserting any available defence.

Effective application of this agreement

This agreement is effective upon your acceptance of this agreement, which occurs through the use of our website and/or services. To reiterate and remove doubt, usage also constitutes agreement to our Privacy Policy available on our website. This agreement will remain in force in perpetuity unless terminated by Empire Finance or by you. Either party may unilaterally terminate your services with Empire Finance, for any reason, without any explanation.