TERMS AND CONDITIONS
Effective Date: 25-01-2026
1) About Us
The Business operates as an independent finance brokerage and advisory service, assisting individuals and businesses in sourcing and arranging finance solutions tailored to their specific needs. The Business facilitates access to funding for assets including, but not limited to, vehicles, equipment, machinery, and other approved assets through a network of third-party lenders and financial institutions.
2) Acceptance of Terms
a) Welcome to All Asset Finance (“we”, “us”, “our”).
b) These Terms and Conditions govern your access to and use of the information and services available on our website, including the Services page located at https://allassetfinance.net.au/services/
c) By accessing or using this website or any services provided through it, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, you must not access the website or rely on any related service information.
d) These Terms and Conditions should be read together with the Privacy Policy and any other policies published on the website.
3) Advisory Capacity Disclaimer
a) The Business acts solely in a facilitative and administrative capacity in connecting clients with third-party lenders and finance providers. The Business does not provide legal, tax, accounting, investment, or financial advice, and nothing on the website or in the provision of the Services should be construed as such. All information provided is general in nature and does not consider a client’s objectives, financial situation, or specific needs.
b) Clients are solely responsible for assessing the suitability of any finance arrangement and are encouraged, and where appropriately required, to obtain independent legal, tax, financial, or other professional advice before entering into any finance product, agreement, or transaction. The Business does not guarantee approvals, outcomes, or terms and accepts no responsibility for client decisions made in reliance on the information provided.
c) Use of the Services does not create a fiduciary, agency, partnership, or professional advisory relationship between the Business and the client.
4) Eligibility
You must be at least 18 years of age and legally capable of entering into binding agreements to use our services.
5) Credit Approval Process
a) Initial Enquiry or Application
Clients submit an enquiry or finance application through the website, by phone, or via email, providing relevant personal, business, and asset information.
b) Preliminary Review
The Business reviews the information provided for completeness and may request additional documents such as identification, income details, bank statements, or asset quotations.
c) Lender Matching & Submission
Based on the client’s requirements and eligibility, the Business identifies suitable lenders from its panel and submits the application to one or more third-party credit providers for independent assessment.
d) Lender Assessment & Credit Checks
Each lender assesses the application in accordance with its own credit policies and may conduct credit checks, affordability assessments, and verification of information provided.
e) Approval or Conditional Approval
If approved, the lender may issue approval or conditional approval outlining proposed terms, interest rates, fees, and any conditions required prior to settlement.
f) Rejection or Decline
If an application is declined, the decision is made solely by the lender. The Business has no control over rejection outcomes and may not receive detailed reasons for the decline. Where appropriate, the Business may advise the client of the rejection and, subject to consent, explore alternative finance options with other lenders.
g) Final Approval & Settlement
Where all conditions are satisfied, final approval is granted by the lender and funds are released in accordance with the agreed finance arrangement.
6) No Guarantee of Credit Approval
a) Submitting an enquiry, application, or request for finance through the website does not constitute an offer of credit and does not guarantee approval. All credit applications are subject to assessment, verification, and approval by third-party lenders in accordance with their individual credit policies, lending criteria, and applicable laws.
b) The Business does not have control over lender decisions and makes no representations or warranties regarding the likelihood of approval, interest rates, loan terms, fees, or conditions. Credit approval, where granted, is conditional upon the accuracy of information provided, satisfactory credit checks, and compliance with lender requirements.
7) Collection and Storage of Information
Details regarding how we collect, use, store, share and protect your personal information are set out in our Privacy Policy.
8) Third-Party Lenders & Referrals
a) We are not a lender. We act solely as an intermediary by referring to your enquiry or application to third-party lenders, finance providers, brokers, or credit providers within our panel.
b) By submitting an enquiry or application through our website, you acknowledge and agree that:
i) Your information may be shared with one or more third-party lenders or service providers for the purpose of assessing your eligibility for finance or related services.
ii) Any credit approval, rejection, terms, interest rates, fees, and conditions are determined solely by the relevant third-party lender and not by us.
iii) We do not guarantee that your application will be approved, nor do we guarantee any specific finance terms or outcomes.
iv) We are not responsible for the actions, decisions, policies, or services of any third-party lender or referral partner.
c) Any agreement for finance or related services is strictly between you and the third-party lender. We are not a party to such agreements and accept no liability arising from any dealings, disputes, or contractual obligations between you and the third-party provider.
9) Commission & Referral Fee Disclosure (Referrals Only)
a) The Business may refer clients to third-party lenders, financiers, or service providers and may receive a commission, referral fee, or other benefit where a client enters into a finance arrangement with a third party following such referral. Any commission or referral fee is paid by the third-party provider and does not, of itself, increase the amount payable by the client unless expressly disclosed in writing.
b) The receipt of a commission or referral fee does not constitute a recommendation, endorsement, or guarantee of any finance product, lender, or outcome. All finance decisions, terms, and approvals are determined solely by the third-party provider, and clients remain responsible for independently assessing the suitability of any finance arrangement.
c) Where required by law, the Business will disclose the existence and nature of any commission or referral fee prior to or at the time a referral is made.
10) Client Obligations
By using our services, you agree to:
a) Provide accurate, complete, and up-to-date information and documents as reasonably requested.
b) Comply with all applicable Australian laws and regulatory requirements.
c) Cooperate with credit checks, due-diligence, and verification processes conducted by us or our lending partners.
d) Meet all payment obligations under any finance agreement entered.
e) Maintain adequate insurance and proper care of any financed asset, where required.
f) Promptly notify us of any material changes to your personal, business, or financial circumstances.
g) Act in good faith and in a lawful and honest manner when engaging with our services.
11) Website Warranty
a) While we aim to provide accurate and up-to-date information, All Asset Finance does not guarantee the accuracy, completeness, or suitability of the content for your individual circumstances. You should seek independent professional advice from a qualified financial adviser, accountant, lawyer, taxation adviser, or other professional before making any financial, investment, legal, or tax decisions.
b) None of the content on this website, including any publications, articles, tools, calculators, or third-party links, constitutes an offer, solicitation, or recommendation to buy, sell, invest, or engage in any financial product or service. Your use of the information on this website is entirely at your own risk.
12) Limitation of Liability
a) To the maximum extent permitted by law, the total aggregate liability of All Asset Finance Services, including its officers, employees, agents and affiliates, arising out of or in connection with these Terms or the Services, whether in contract, tort (including negligence), statute or otherwise, is limited to the total fees paid by the Customer to All Asset Finance Services in the 12 months preceding the event giving rise to the claim.
b) All Asset Finance Services shall not be liable for any indirect, incidental, special, consequential, punitive or economic loss or damage, including loss of profits, revenue, data, business opportunities or business interruption, even if such loss was foreseeable or All Asset Finance Services was advised of the possibility.
c) Nothing in this clause limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded under applicable law.
d) Any claim arising out of or relating to these Terms or the Services must commence within one (1) year from the date the cause of action occurs, failing which the claim is permanently barred.
e) The parties acknowledge that this limitation of liability is a fundamental basis of the agreement and reflects the allocation of risk between them.
13) Indemnity
a) Indemnity by the Client
To the fullest extent permitted by law, the Client agrees to indemnify, defend and hold harmless All Asset Finance Pty Ltd No. 568189 its directors, officers, employees, agents, contractors and affiliates (“AAF Indemnitees”), from and against any and all Loss, Liability, Costs and Expenses arising out of or in connection with:
i) any breach of these Terms, any agreement for Services, or any representation, warranty or obligation of the Client under any agreement with All Asset Finance.
ii) any claim made by a third party arising from or related to the Client’s use of the Services (including, without limitation, financing transactions, advice, credit assistance or introductions), except to the extent caused by the negligence or willful misconduct of the AAF Indemnitees; any act, omission, error or misrepresentation by the Client, its officers, employees, agents or representatives in connection with the Services;
iii) any tax liability, duty, penalty or interest arising from any financing or other transaction facilitated by All Asset Finance, except where such liability is directly caused by All Asset Finance’s fraud or gross negligence.
b) Extent of Indemnity
For the purposes of this clause:
i) “Loss, Liability, Costs and Expenses” includes, without limitation, all damages, judgments, fines, settlements, legal costs on a full indemnity basis, professional fees, and other expenses reasonably incurred in investigating, defending or settling any claim, action, suit or proceeding.
ii) the indemnity excludes any Loss to the extent that it is finally determined to have resulted from the gross negligence, fraud or willful misconduct of the AAF Indemnitees.
c) Procedure
i) The indemnified party must promptly notify the indemnifying party in writing of a Claim that may give rise to a right of indemnity under this clause.
ii) the indemnifying party may assume control of the defense and settlement of the Claim with counsel reasonably acceptable to the indemnified party, provided that the indemnified party may participate in the defense with its own counsel at its own cost.
14) Intellectual Property Rights
Unless otherwise stated, all intellectual property rights in and to this website, including but not limited to all content, text, graphics, logos, icons, images, audio, video, software, layouts, designs, data compilations, trademarks, trade names, and any other material displayed or made available on the website (“Website Content”), are owned by or licensed to the Company.
You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Website Content for personal and non-commercial purposes only, subject to these Terms.
You must not, without the Company’s prior written consent:
a) copy, reproduce, modify, adapt, distribute, publish, display, transmit, sell, license, or exploit any Website Content for commercial purposes.
b) reverse engineer, decompile, or attempt to extract the source code of the website or any related software.
c) remove, obscure, or alter any copyright, trademark, or proprietary notices; or
d) use the Website Content in any way that infringes the intellectual property rights of the Company or any third party.
e) Nothing in these Terms grants you any ownership rights in the Website Content. All rights not expressly granted are reserved by the Company.
15) User-Submitted Content
If you submit any content to the website, you grant the Company a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and display that content for the purpose of operating and promoting the website and services.
a) Third-Party IP:
Any third-party trademarks, logos, or content displayed on the website remain the property of their respective owners and are used for identification purposes only.
b) Your Consumer Rights
i) Nothing in these Terms takes away or limits any rights you have under Australian law, including the Australian Consumer Law. You are entitled to certain guarantees when services are provided, and those rights always apply.
ii) If we fail to meet a consumer guarantee and the law allows it, we may choose to either provide the services again or refund the cost of providing those services. This does not affect any rights or remedies that cannot be excluded under Australian law.
iii) Website Availability & Accuracy
We aim to always keep this website and its Services available; however, we do not guarantee uninterrupted or error-free access. The website may be unavailable due to maintenance, updates, or circumstances beyond our control.
While we take reasonable care to ensure the accuracy of information on this website, all content is provided on an “as is” basis and may change without notice. We do not guarantee that the information is complete, current, or suitable for your specific circumstances. You should independently verify all information before relying on it or submitting any enquiry or application.
16) Governing Law
These Terms and any dispute or claim arising out of or in connection with them (including their formation, interpretation, performance or termination) shall be governed by and construed in accordance with the laws of _____________, Australia, without regard to conflict of law principles.
a) Good Faith Negotiation
If any dispute arises in connection with these Terms, the services provided, the Privacy Policy, or any other website policy, the parties must first attempt to resolve the dispute in good faith through informal negotiations within 14 days of the dispute arising, provided that the disputing party has submitted written notice of the dispute by email, including reasonable details of the issue if we don’t answer your email you can contact us via mobile number given in contact us section.
b) Mediation
If the Company reasonably considers that a dispute exists, and the dispute is not resolved through negotiation within the period specified above, the parties agree to submit the dispute to mediation administered by an independent mediator agreed between the parties, or failing agreement, appointed by the Australian Disputes Centre (ADC) or its successor.
The mediation shall be conducted in New South Wales, Australia. Each party shall bear its own costs of participation, and the costs of the mediation shall be shared equally, unless otherwise agreed in writing.
c) Arbitration
If the dispute is not resolved by mediation within 30 days of referral, the dispute shall be finally resolved by binding arbitration in accordance with the Commercial Arbitration Act 2010 (NSW).
i) The seat and venue of arbitration shall be __________, Australia
ii) The arbitration shall be conducted by a single arbitrator
iii) The language of arbitration shall be English
iv) The arbitrator’s decision shall be final and binding
d) Waiver of Litigation
i) To the maximum extent permitted by law, the Parties irrevocably waive any right to commence or participate in court proceedings, including litigation by way of lawsuit, class action, representative action, or jury trial, in relation to any dispute, claim, or controversy arising out of or in connection with these Terms or the services provided.
ii) All disputes must be resolved exclusively in accordance with the Dispute Resolution clause (Negotiation → Mediation → Arbitration).
iii) This waiver does not apply to:
• applications for urgent interlocutory or injunctive relief;
• enforcement of an arbitral award; or
• any matter which cannot be lawfully waived under applicable Australian law.
17) Global Operations & Jurisdictional Compliance
a) We operate and offer our Services globally. However, the availability, legality, and suitability of our Services may vary depending on the laws and regulations of the country or jurisdiction from which you access them.
b) While we endeavor to conduct our operations in accordance with applicable Australian laws and relevant international standards, we do not represent or warrant that the Services comply with the laws, regulations, trade practices, financial services requirements, or licensing obligations of every jurisdiction.
c) If you access or use the Website or Services from a country or jurisdiction where Australian trade laws, local financial regulations, or any other applicable laws restrict or prohibit such use, you do so at your own risk and are solely responsible for ensuring compliance with all applicable local laws.
d) To the maximum extent permitted by law, we disclaim all responsibility and liability for any loss, damage, penalty, regulatory action, or consequence arising from your use of the Website or Services in violation of laws applicable in your jurisdiction.
18) Website Links
This site may contain links to other websites operated by entities which do not belong to All Asset Finance. These links have been provided solely for you to obtain further information about other relevant products and entities in the market. All Asset Finance does not endorse or have any control over the information on these sites or the products or services or on them and therefore makes no representations regarding the accuracy or suitability of the information, services, or products described on them. You are advised to make your own enquiries in relation to third parties described or linked on this site.
19) Security of Information
a) The security of your information is very important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
b) We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorized access, modification or disclosure.
c) If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
d) We take reasonable steps to preserve the security of cookies and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
20) Assignment
a) Your rights under the agreement, arising from your acceptance of these terms, are personal to you and may not be assigned without the prior written consent of us. That consent may be granted or refused in our sole discretion.
b) Our rights under the agreements arising from your acceptance of these terms may be assigned by us. We will notify you if we assign by a notice posted on our website.
21) Entire Agreement
These Terms, along with our Privacy Policy and any other legal notices or agreements published by us, constitute the entire agreement between you and All Asset Finance regarding the use of the Platform and Services. This agreement supersedes all prior understandings, agreements, representations, or communications between you and All Asset Finance, whether written or oral.
22) Other Conditions
In the event of a conflict between these Terms and any additional terms specific to the Website, the additional terms shall prevail.
23) Severability
If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalidity, illegality, or unenforceability of any provision shall not affect the validity or enforceability of the other provisions of this Agreement. The parties agree to replace any invalid, illegal, or unenforceable provision with a valid provision that closely reflects the intent of the original provision.
24) Changes to Terms and Conditions
The Company reserves the right to modify or update these Terms and Conditions at its sole discretion, without prior notice. Any changes made will be reflected on this website immediately. It is your responsibility to review the Terms and Conditions regularly to stay informed of any updates.
If you do not agree with any of the revised terms, you may cease using the services provided by the company. Continued use of the services following any changes will constitute your acceptance of the updated Terms and Conditions.
25) Contact Us
Name: Kristy Mirkovic
Mobile Number: 0424 893 251
Email: kristy@allassetfinance.net.au
Telephone: +61 424 893 251
By post: U 11 28-32 Lee Holm Rd St Marys NSW 2760 Australia