This website is operated by Four Pillars Finance & Mortgages Pty Ltd (ABN 20 646 853 312 | Australian Credit Representative 541652 of Outsource Financial Pty Ltd, ABN 42 131 090 705, Australian Credit Licence 384324, Suite 406, 19 Roseby Street, Drummoyne NSW 2047).

By accessing or using this website, you agree to these Terms & Conditions. If you do not agree, please do not use this website.

1. General Information Only

The information on this website is provided for general information purposes only and does not take into account your objectives, financial situation, or needs.

We provide credit assistance only under our Australian Credit Representative number. Nothing on this website should be construed as financial, legal, or tax advice. You should consider whether any information is appropriate to your circumstances and seek independent professional advice before acting on it.

2. Limited Licence & User Obligations

You are granted a limited, non-exclusive, revocable licence to access and use this website for personal, non-commercial purposes. You agree that you will not:

Interfere with or disrupt the operation of this website.

Modify, reproduce, distribute, publicly display, or use content for commercial purposes without written consent.

Upload or submit unlawful, defamatory, obscene, or infringing material.

All intellectual property rights in this website (including text, graphics, logos, and design) are owned or licensed by us and are protected by law.

3. Disclaimer & Limitation of Liability

While we endeavour to keep information current and accurate, the content may contain errors or be incomplete. Use of the site is at your own risk.

Nothing in these Terms limits or excludes any liability that cannot be excluded under Australian law, including the Australian Consumer Law.

To the maximum extent permitted by law, we disclaim all warranties (express or implied) relating to this website and will not be liable for any direct, indirect, incidental, or consequential loss or damage arising from use of this site or linked sites.

4. Referral & Commission Disclosure

We may receive commissions or referral payments when you use our services or are referred to third-party providers (such as lenders, insurers, or other service providers). These payments are made by the product provider and do not change the cost to you.

Where applicable, details of commissions and referral arrangements will be disclosed in writing as part of our compliance obligations.

5. Third-Party Websites

This website may contain links to third-party sites. These are provided for convenience only, and we are not responsible for their content, accuracy, or practices. Links do not imply endorsement. Accessing any third-party site is at your own risk.

6. Indemnification

You agree to indemnify and hold harmless Four Pillars Finance & Mortgages Pty Ltd, its directors, employees, and representatives, against any claims, damages, losses, or expenses arising from your misuse of this website or breach of these Terms.

7. Privacy

We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. For details on how we collect, use, and protect your data, please refer to our Privacy Policy
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8. Governing Law & Jurisdiction

These Terms are governed by the laws of Victoria, Australia. By using this website, you submit to the exclusive jurisdiction of the courts of Victoria and Australia.

9. Changes to Terms

We may update these Terms & Conditions from time to time without prior notice. Changes will take effect when published on this website. Your continued use of the site constitutes acceptance of the updated Terms.

10. Contact Us

Four Pillars Finance & Mortgages Pty Ltd
ABN: 20 646 853 312 | ACR 541652 of Outsource Financial Pty Ltd
ACL 384324 | ABN 42 131 090 705
Email: mamata@fpfm.com.au

Phone: 0421 986 732