Terms & Conditions

1. Acceptance of Terms

By accessing or using the Shielded Finance website at https://www.shieldedfinance.com.au (the “Website”) or submitting an enquiry, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our Website or services.

These terms are governed by the laws of Victoria, Australia. By using our Website, you submit to the non-exclusive jurisdiction of the courts of Victoria.

2. About Our Services

Shielded Finance Pty. Ltd. (ACN 694 597 772), Authorised Credit Representative (ACR #577342) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803, operates as a credit intermediary (broker). We do not lend money directly. We connect businesses seeking finance with a panel of lenders and credit providers, and assist in the application process.

Our services include providing information about business finance products, facilitating applications to lenders, and providing general guidance. We do not provide financial advice as defined under the Corporations Act 2001 (Cth).

3. No Financial Advice

The information on this Website is general in nature and does not constitute financial, investment, legal, or tax advice. It does not take into account your personal objectives, financial situation, or needs. Before acting on any information or making a financial decision, you should consider the appropriateness of the information having regard to your own circumstances and seek independent professional advice.

4. No Guarantee of Approval

Submission of an enquiry through our Website does not guarantee approval for finance. All applications are subject to the credit assessment criteria, eligibility requirements, and lending guidelines of individual lenders. Shielded Finance makes no representation or warranty that any application will be approved.

5. User Obligations

By using our Website and services, you agree to:

• Provide accurate, complete, and truthful information in all enquiries and applications
• Not use the Website for any unlawful purpose
• Not attempt to gain unauthorised access to our systems
• Not use the Website in a way that could damage, disable, or impair it
• Not submit false or misleading information

6. Fees and Commissions

Shielded Finance may receive commissions, fees, or other benefits from lenders when a loan application introduced by us is settled. The amount and structure of any commission may vary by lender and product. Full disclosure of any commissions or fees we receive will be made to you prior to any application being submitted.

In some cases, we may charge a broker fee directly to you. Any such fee will be clearly disclosed before you commit to proceeding.

7. Intellectual Property

All content on this Website, including text, graphics, logos, and software, is the property of Shielded Finance Pty Ltd or its licensors and is protected by Australian and international copyright and intellectual property laws. You may not reproduce, distribute, or use any content without our prior written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Shielded Finance excludes all liability for any loss or damage arising from your use of the Website or our services, including but not limited to direct, indirect, incidental, consequential, or special loss or damage.

Where liability cannot be excluded by law, our liability is limited to the resupply of the relevant service or the payment of the cost of having the service resupplied, whichever is less.

9. Third-Party Links

Our Website may contain links to third-party websites. We do not endorse or take responsibility for the content, accuracy, or practices of any linked websites. Accessing third-party websites is at your own risk.

10. Privacy

Your use of our Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised “Last updated” date. Your continued use of the Website constitutes acceptance of the updated Terms.

12. Contact Us