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Terms and Conditions - DGI Finance Lender Matching Platform

Last Updated: [Current Date]

These Terms and Conditions ("Terms") govern your use of the DGI Finance lender matching platform, website, and related services ("Platform"). By accessing or using our Platform, you agree to be bound by these Terms.

1. About DGI Finance

DGI Finance
ABN: 84814104500
Australian Credit Representative: 570267
Trading under Viking Aggregations Australian Credit License: 543046

Business Address:
2/290 Boundary Street, Spring Hill, QLD, 4000

Contact: https://dgifinance.com.au/contact s Website: www.dgifinance.com.au

DGI Finance is an authorized credit representative and operates under the Australian Credit License held by Viking Aggregations. We are a member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA).

2. Our Lender Matching Service

2.1 What We Do

DGI Finance operates an AI-powered lender matching platform that:

  • Analyzes your loan requirements and financial profile
  • Matches you with suitable lenders from our panel of 60+ lenders
  • Facilitates loan applications with pre-qualified lenders
  • Provides guidance throughout the application process

2.2 What We Don't Do

  • We are NOT a lender - we do not provide loans directly
  • We do not guarantee loan approval from any lender
  • We do not set interest rates or loan terms
  • We cannot override lender credit policies or requirements

2.3 Our Role

DGI Finance acts as an intermediary between you and potential lenders. Final loan approval, terms, conditions, and interest rates are determined solely by the individual lenders.

3. Eligibility and User Requirements

3.1 Eligibility

To use our Platform, you must:

  • Be at least 18 years of age
  • Be an Australian resident or have appropriate visa status
  • Have legal capacity to enter into loan agreements
  • Provide accurate and complete information
  • Not be subject to bankruptcy or Part IX debt agreement

3.2 Account Responsibility

You are responsible for:

  • Maintaining the confidentiality of your account information
  • All activities that occur under your account
  • Immediately notifying us of any unauthorized use
  • Ensuring all information provided is accurate and up-to-date

4. Using the Platform

4.1 Application Process

When using our lender matching service:

  • Complete our online application form accurately
  • Authorize us to conduct credit checks and verify information
  • Provide any additional documentation requested
  • Respond promptly to lender requests for information

4.2 Data Retention

  • Your application data is stored for 30 days maximum
  • Data is automatically deleted after this period
  • Data is used solely for loan application purposes
  • No data is used for marketing without consent

4.3 Credit Checks

By using our Platform, you authorize:

  • DGI Finance to conduct credit checks through Equifax and Illion
  • Sharing your information with pre-qualified lenders
  • Lenders to conduct their own credit assessments
  • Collection and verification of your financial information

5. Platform Availability and Use

5.1 Service Availability

  • We aim for 99% uptime but cannot guarantee continuous availability
  • Maintenance, updates, or technical issues may cause temporary disruption
  • We reserve the right to modify or discontinue services with notice

5.2 Acceptable Use

You agree NOT to:

  • Provide false, misleading, or fraudulent information
  • Use the Platform for illegal purposes
  • Attempt to bypass security measures
  • Interfere with other users' access to the Platform
  • Use automated tools to access the Platform without permission
  • Reverse engineer or attempt to copy our technology

5.3 Prohibited Activities

  • Creating multiple accounts to circumvent our processes
  • Impersonating another person or entity
  • Transmitting viruses, malware, or harmful code
  • Attempting to gain unauthorized access to our systems
  • Using the Platform to solicit business for competing services

6. Fees and Charges

6.1 Our Service

  • DGI Finance's lender matching service is free to users
  • We may receive commissions from lenders for successful loan settlements
  • Any lender fees or charges are separate and determined by individual lenders

6.2 Third-Party Costs

You may be responsible for:

  • Lender application fees (if applicable)
  • Valuation costs (if required by lender)
  • Legal fees for loan documentation
  • Government charges and duties

7. Information Accuracy and Verification

7.1 Your Obligation

You must:

  • Provide complete, accurate, and truthful information
  • Update information if circumstances change
  • Notify us immediately of any material changes
  • Authorize verification of all information provided

7.2 Verification Process

We may verify information through:

  • Employment verification
  • Income verification
  • Asset verification
  • Credit history checks
  • Third-party verification services

7.3 Consequences of Inaccurate Information

Providing false information may result in:

  • Immediate termination of services
  • Loan application rejection by lenders
  • Potential legal consequences
  • Referral to appropriate authorities

8. Intellectual Property

8.1 Our Rights

All content, technology, trademarks, and intellectual property on the Platform belong to DGI Finance or our licensors, including:

  • AI matching algorithms
  • Website design and functionality
  • Logos, trademarks, and branding
  • Software and applications

8.2 Your License

We grant you a limited, non-exclusive, non-transferable license to use the Platform solely for obtaining lender matching services.

8.3 Restrictions

You may not:

  • Copy, modify, or distribute our content
  • Use our intellectual property for commercial purposes
  • Create derivative works based on our Platform
  • Remove or alter copyright notices

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms. By using the Platform, you consent to our Privacy Policy.

10. Disclaimers and Limitations

10.1 Service Disclaimers

  • We make no guarantee of loan approval
  • We do not warrant the accuracy of lender information
  • Interest rates and terms are subject to lender approval
  • Market conditions may affect lender availability

10.2 Limitation of Liability

To the maximum extent permitted by law, DGI Finance's total liability to you is limited to the fees paid to us (if any) in the 12 months preceding the claim.

10.3 Exclusions

We are not liable for:

  • Indirect, consequential, or punitive damages
  • Loss of profits, data, or business opportunities
  • Lender decisions regarding loan applications
  • Technical issues beyond our reasonable control
  • Third-party actions or omissions

11. Consumer Rights

Nothing in these Terms excludes, restricts, or modifies rights you may have under the Australian Consumer Law or other applicable laws that cannot be excluded, restricted, or modified by agreement.

12. Termination

12.1 Your Right to Terminate

You may stop using our services at any time. If you have pending applications, please contact us to discuss the impact on your loan applications.

12.2 Our Right to Terminate

We may terminate or suspend your access if you:

  • Breach these Terms
  • Provide false or misleading information
  • Engage in prohibited activities
  • Fail to meet eligibility requirements

12.3 Effect of Termination

Upon termination:

  • Your access to the Platform will cease
  • Data retention will follow our 30-day policy
  • Pending applications may continue with lenders
  • Relevant sections of these Terms will survive

13. Dispute Resolution

13.1 Initial Resolution

If you have a complaint:

  1. Contact us first through www.dgifinance.com.au or 0412 610 384
  2. We will investigate and respond within 30 days
  3. We will work with you to resolve the issue

13.2 External Dispute Resolution

If unsatisfied with our response, you may contact:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Member Number: 115410

13.3 Governing Law

These Terms are governed by Queensland law and Australian federal law. Any disputes will be subject to the jurisdiction of Queensland courts.

14. Changes to Terms

We may update these Terms from time to time. Changes will be posted on our website with the updated date. Continued use of the Platform after changes constitutes acceptance of the new Terms.

15. Communication

15.1 Electronic Communication

You consent to receive communications from us electronically, including:

  • Updates about your applications
  • Service notifications
  • Legal notices
  • Marketing communications (if consented)

15.2 Contact Information

All notices should be sent to:

  • Email: Through contact form at www.dgifinance.com.au
  • Phone: 0412 610 384
  • Post: 4/376 Montague Road, West End, QLD 4101

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and DGI Finance.

16.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.

16.3 Assignment

You may not assign your rights under these Terms. We may assign our rights to a related entity or successor.

16.4 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other rights.

17. Definitions

  • Platform: DGI Finance lender matching website, application, and related services
  • Lender: Financial institutions in our lender panel
  • Application: Your request for loan matching services
  • Personal Information: As defined in the Privacy Act 1988 (Cth)
  • You/Your: The person or entity using our Platform

Contact Us
For questions about these Terms, contact DGI Finance:
Website: www.dgifinance.com.au
Phone: 0412 610 384
Address: 4/376 Montague Road, West End, QLD 4101

Professional Qualifications: Certificate IV in Finance and Mortgage Broking
FBAA Member: M-360181
AFCA Member: 115410