Terms & Conditions
Please read these terms carefully before using our refinancing comparison service. By using ReFinancey, you agree to be bound by these terms.
Last Updated: April 10, 2026
Agreement to Terms
These Terms and Conditions ("Terms") constitute a legally binding agreement between you and ReFinancey ("ReFinancey," "we," "our," or "us") governing your access to and use of our website at refinancey.com.au and our refinancing comparison and referral services.
What is Refinancing? Refinancing is the process of moving an existing loan to a new lender (bank) to get a lower interest rate or better loan terms. The new bank pays off your old loan, and you start a new, more affordable agreement.
By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.
Important: ReFinancey is a refinancing comparison and referral service only. We help you compare rates and connect with brokers who can assist you in switching banks. We do not provide loans, credit, or financial advice directly. All refinancing decisions, interest rates, and loan terms are determined by our partner brokers and lenders based on your individual circumstances. Savings estimates shown on our platform are for comparison purposes only and actual savings may vary.
1. Service Description
Refinancing Comparison & Referral Service
ReFinancey operates as a refinancing comparison and referral service. We help you compare interest rates and loan terms from multiple banks to find a better deal than your current lender. We do not provide loans, financial advice, or credit services directly. Our role is to connect you with licensed brokers and lenders who can help you switch your loan to a new bank for lower rates or better terms.
What is Refinancing
Refinancing is the process of moving an existing loan from your current lender to a new bank to get a lower interest rate or better loan terms. The new bank pays off your old loan, and you start a new, more affordable agreement.
Key Features
Our platform focuses on: (1) Rate Comparison - showing you how much you can save by switching banks, (2) Monthly Savings - demonstrating reduced monthly payments, (3) Debt Consolidation - options to combine multiple loans into one, and (4) Switching Process - helping you understand how easy it is to transfer your loan.
No Guarantee
We do not guarantee that you will be matched with a broker, that any broker will accept your application, or that you will achieve specific interest rates or savings. All lending decisions, rates, and terms are determined solely by the brokers and lenders in our network based on your financial circumstances.
Broker & Lender Independence
The brokers and lenders in our network operate independently and are not employees or agents of ReFinancey. We are not responsible for their actions, advice, or the terms of any loan products they offer. The actual refinancing process and loan agreements are between you and the broker/lender you choose.
2. User Responsibilities
Accurate Information
You agree to provide accurate, current, and complete information when using our service. Providing false or misleading information may result in termination of your access and potential legal consequences.
Eligibility
You must be at least 18 years old and an Australian resident or citizen to use our services. By using our service, you confirm that you meet these eligibility requirements.
Intended Use
Our service is intended for personal use only. You may not use our service for any commercial purposes, data mining, or to obtain information about other users.
3. Fees and Charges
Free Service
Our refinancing comparison and referral service is provided free of charge to consumers. We receive referral fees from brokers and lenders when they successfully help clients switch their loans through our platform.
Broker & Lender Fees
Brokers may charge their own fees for refinancing services, and lenders may have application or establishment fees. These fees are separate from our referral service and will be clearly disclosed to you before you agree to proceed with any refinancing application.
Savings Estimates
Any monthly savings or rate comparison calculations shown on our platform are estimates only. Actual savings will depend on the new interest rate, fees, loan term, and your specific circumstances as determined by the new lender.
No Hidden Costs
We do not charge any hidden fees or commissions to consumers. Any costs associated with your refinancing application will be clearly disclosed by your broker or lender.
4. Important Disclaimers
Not Financial Advice
Nothing on this website or through our service constitutes financial, legal, or tax advice. The rate comparisons, savings estimates, and information provided are for informational purposes only. We recommend you seek independent professional advice before making any refinancing decisions.
Savings Are Estimates Only
All monthly savings calculations, interest rate comparisons, and potential savings displayed on our platform are estimates based on the information you provide. Actual savings will depend on the rates and terms offered by the new lender, fees, loan term, and your individual circumstances.
Credit Impact
While our initial refinancing assessment does not affect your credit score, formal loan applications submitted through our partner brokers or lenders may result in credit inquiries that could impact your credit rating. Please discuss this with your broker before proceeding.
Switching Process Complexity
The refinancing process involves exiting your current loan and establishing a new loan with a different lender. This may involve discharge fees from your current bank, valuation fees, and other establishment costs. Please ensure you understand all costs before switching.
Results May Vary
Individual circumstances vary and refinancing approval depends on many factors including credit history, income, employment status, property value, and lender criteria. Past success rates do not guarantee future results or specific interest rates.
Third-Party Content
Our website may contain links to third-party websites or content. We are not responsible for the accuracy, legality, or content of external sites or subsequent links.
5. Prohibited Activities
Misuse
You may not use our service for any unlawful purpose, to harass or harm others, to transmit malware or viruses, or to interfere with the proper functioning of our platform.
Fraud
Any attempt to defraud our service, our partners, or other users is strictly prohibited and may result in legal action. This includes identity fraud, document falsification, and misrepresentation.
Automated Access
You may not use automated systems, bots, or scripts to access our service or extract data without our express written permission.
6. Limitation of Liability
Service Provided 'As Is'
Our service is provided on an 'as is' and 'as available' basis. We make no warranties, express or implied, regarding the reliability, accuracy, or availability of our service.
Limitation
To the maximum extent permitted by law, ReFinancey shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our service.
Maximum Liability
Our total liability to you for any claims arising from these terms or your use of our service shall not exceed $100 AUD.
7. Data and Privacy
Data Collection
We collect and process personal information including your current loan details, interest rate, lender information, and financial situation in accordance with our Privacy Policy. By using our service, you consent to such collection and processing for refinancing comparison purposes.
Data Sharing
We share your refinancing information with partner brokers and lenders to help you compare rates and switch banks. Please review our Privacy Policy for full details on how your data is handled, including information about savings calculations and lender matching.
Data Retention
We retain your data for as long as necessary to provide our refinancing comparison services and comply with legal obligations. You may request deletion of your data in accordance with our Privacy Policy.
8. Communications
Consent to Contact
By submitting your information through our platform, you consent to being contacted by ReFinancey and our partner brokers and lenders via phone, email, or SMS regarding your refinancing inquiry, rate comparisons, and switching options.
Marketing
With your consent, we may send you marketing communications about refinancing offers, rate updates, savings opportunities, and services from our partners. You can opt out of marketing communications at any time.
Service Messages
We may send you service-related messages about your refinancing comparison status, broker matches, rate alerts, or changes to our terms. These are essential communications and cannot be opted out of while using our service.
9. Intellectual Property
Ownership
All content on this website, including text, graphics, logos, images, and software, is the property of ReFinancey or our licensors and is protected by Australian and international copyright laws.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our service for personal, non-commercial purposes in accordance with these terms.
Restrictions
You may not copy, modify, distribute, sell, or lease any part of our service or included software, nor may you reverse engineer or attempt to extract the source code.
10. Governing Law & Disputes
Governing Law
These Terms and Conditions 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.
Dispute Resolution
Before commencing any legal proceedings, you agree to attempt to resolve any dispute with us through good faith negotiation. If a dispute cannot be resolved informally, it shall be submitted to mediation.
Class Action Waiver
To the extent permitted by law, you waive any right to pursue claims against us on a class action basis. All claims must be brought in your individual capacity.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Changes to Terms & Contact
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our service after changes are posted constitutes acceptance of the modified Terms.
For questions about these Terms, please contact us at hello@refinancey.com.au