Terms & Conditions
Welcome to Poly Loans
powered by Braid Finance
Welcome to Poly Loans powered by Braid Finance
About Poly Loans
Poly Loans is a brand operated under Braid Finance Pty Ltd (ABN 80 638 771 007, ACL 536690). All credit services, including loan applications and financial assistance, are provided under Braid Finance’s Australian Credit Licence. Poly Loans operates as a lead generation and client referral platform within Braid Finance, helping customers connect with tailored finance solutions.
Poly Loans – Website Terms and Conditions
Poly Loans – Privacy Policy Summary
Your Privacy Matters to Us
Poly Loans is committed to protecting your personal information and handling it with care. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. What We Collect
We may collect the following types of personal information:
Your name, contact details, and identification.
Financial and credit-related information provided during loan applications.
Website usage data via cookies and analytics tools.
2. How We Use Your Information
Your information is used to:
Assess your loan application and provide financial services.
Meet legal and regulatory requirements.
Enhance our services and improve your online experience.
3. Who We Share Your Information With
We may share your data with:
Our panel of lenders and trusted service providers.
Government or regulatory bodies where required by law.
Other third parties, but only with your express consent.
4. Data Security & Your Rights
We take reasonable steps to protect your data from misuse, loss, and unauthorised access.
You have the right to:
Request access to your personal information.
Ask for corrections to be made.
Request deletion where applicable.
5. Contact Us
If you have questions or concerns about your privacy, please contact us:
📧 Email: [email protected]
📞 Phone: (07) 3733 3189
You may also contact the Office of the Australian Information Commissioner (OAIC):
🔹 Website: www.oaic.gov.au
Cookies:
This website uses cookies to enhance your online experience. By accessing Poly Loans, you agree to the use of required cookies.
A cookie is a small text file placed on your device by a web page server. Cookies do not contain malicious software and are uniquely assigned to you. They allow websites to recognize your browser and remember information to improve your user experience.
We may use cookies to collect, store, and track information for analytics or marketing purposes. You have the option to accept or decline optional cookies. However, required cookies are necessary for website functionality. Accepting required cookies also includes third-party cookies used for services like embedded videos or interactive content.
View our [Cookies Policy] for more details.
Complaints & Dispute Resolution
At Poly Loans, we are committed to providing excellent customer service. If you have a complaint, you can contact us via:
📧Email: [email protected]
📞Phone: (07) 3733-3189
📍Address:9B 3360 Pacific Highway Springwood 4127
We will acknowledge your complaint within
5 business days
and aim to resolve it within
21 days
. If you are not satisfied with our response, you may escalate your complaint to the
Australian Financial Complaints Authority (AFCA):
Website: www.afca.org.au
Phone:1800 931 678
Email:[email protected]
License:
Unless otherwise stated, Poly Loans and/or its licensors own the intellectual property rights for all material on Poly Loans. All rights are reserved.
You may access this content for personal use, subject to the restrictions outlined in these terms and conditions.
You must not:
• Copy or republish material from Poly Loans.
• Sell, rent, or sub-license material from Poly Loans.
• Reproduce, duplicate, or copy material from Poly Loans.
• Redistribute content from Poly Loans.
This agreement is effective as of the date of your first use of the website.
User-Generated Content:
Parts of this website may allow users to post and exchange opinions and information. Poly Loans does not filter, edit, publish, or review content before it appears on the website. User-generated content reflects the views of the person posting and does not represent the views of Poly Loans, its agents, or affiliates.
Poly Loans reserves the right to monitor and remove any content deemed inappropriate, offensive, or in violation of these Terms and Conditions.
By posting content, you warrant that:
• You have the right to post and necessary licenses to do so.
• The content does not infringe on any intellectual property rights.
• The content does not contain defamatory, offensive, or unlawful material.
• The content will not be used for commercial solicitation or unlawful activity.
You grant Poly Loans a non-exclusive license to use, reproduce, and edit your content in any form, format, or media.
Hyperlinking to Our Content:
Certain organizations may link to our website without prior approval:
• Government agencies
• Search engines
• News organizations
• Online directories listing Poly Loans as a business
• System-wide Accredited Businesses (excluding non-profit organizations, charity shopping malls, or fundraising groups)
Other organizations may request approval to link to our site if the link:
1) Is not deceptive.
2) Does not falsely imply sponsorship, endorsement, or approval.
3) Fits within the linking site’s context.
Approved organizations may hyperlink to our website using:
• Our corporate name.
• The uniform resource locator (URL) being linked to.
• A description relevant to the linking party’s content.
Unauthorized use of Poly Loans logo or branding for linking is prohibited.
Limitation of Liability
Poly Loans, operating under Braid Finance Pty Ltd (ABN 80 638 771 007, ACL 536690), provides lead generation and referral services only. We do not provide financial products or lending decisions. While we strive to connect clients with suitable finance solutions, we are not responsible for loan approval outcomes, lender decisions, or changes in lending policies.
To the fullest extent permitted by law, Poly Loans and Braid Finance shall not be liable for any
losses, damages, or costs
arising from:
The rejection of any loan application.Changes in lender policies or interest rates.Delays in processing loan applications.Any reliance on the information provided on this website.
Nothing in this clause limits rights under
Australian Consumer Law
where applicable.
Content Liability
We are not responsible for any content that appears on external websites linking to ours. You agree to defend and indemnify us against any claims arising from your website’s use of our content.
No external link(s) should:
• Contain defamatory, obscene, or criminal material.
• Infringe upon third-party rights.
• Promote or support illegal activity.
Reservation of Rights:
Poly Loans reserves the right to request removal of links to our website. We also reserve the right to amend these Terms and Conditions at any time.
By continuously linking to our website, you agree to be bound by and comply with these terms.
Removal of Links from Our Website:
If you find any offensive link(s) on our website, you may contact us for review. We will consider requests for removal but are not obligated to do so.
We do not guarantee that all website information is accurate, complete, or up-to-date at all times.
Disclaimer:
To the maximum extent permitted by applicable law, Poly Loans excludes all representations, warranties, and conditions relating to this website and its use.
Nothing in this disclaimer will:
• Limit or exclude liability for death or personal injury caused by negligence.
• Limit or exclude liability for fraud or fraudulent misrepresentation.
• Limit liabilities in ways not permitted under applicable law.
• Exclude liabilities that cannot be excluded under Australian law.
As long as this website is provided free of charge, Poly Loans will not be liable for any loss or damage of any nature arising from its use.
Governing Law
These Terms & Conditions are governed by the laws of Queensland, Australia. Any disputes arising in relation to these Terms will be subject to the jurisdiction of the courts of Queensland, unless otherwise required by Australian Consumer Law.
Braid Finance Compliance and Financial Services Disclaimer:
Poly Loans operates is powered by Braid Finance Pty Ltd and adheres to their regulatory framework. All financial services and lending operations facilitated through this website are conducted under the governance of Braid Finance Pty Ltd.
Poly Loans does not provide direct financial advice. Any information on this website is general in nature and should not be considered personal financial advice. Customers should seek independent financial advice before making any financial decisions.
For regulatory inquiries, please visit Braid Finance's website.
Disclaimer:
Poly Loans is powered by Braid Finance Pty Ltd (ABN 80 638 771 007, ACL 536690). All credit services are provided under Braid Finance’s Australian Credit Licence and in accordance with its compliance framework.
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POLICIES & DISCLOSURE
Disclosure:
Poly Loans may receive a commission or financial incentive from lenders upon the approval of a loan application. In some cases, referral partners (support brokers) may also receive a commission. These commissions do not affect the overall cost of your loan.
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