Terms & Condition

Your use of the LoanTime website implies acceptance of these Terms and our Privacy Policy. If you disagree, cease using the website and services. LoanTime facilitates connections between Australian small businesses and Product Providers, aiding in product identification and application facilitation.

Information provided on the website and during the matching process is advisory and based on data from Product Providers. It may not be exhaustive or encompass all factors in their decision-making process. LoanTime does not guarantee the accuracy of information provided by Product Providers. It’s advisable to verify details directly with them. LoanTime and its agents bear no responsibility for actions taken or not taken based on information from the website.

Definitions:

LoanTime: GOSH GROUP PTY LTD. (ABN 53 665 445 438), its employees, contractors, associates, and related entities.

Personal Information: Any data revealing your identity.

Privacy Policy: Available at https://www.loantime.com.au/privacy-policy-4/ or by requesting a hard copy.

Product Provider: Entities listed on the website or any others offering financial or insurance products.

For detailed terms, please refer to the complete document on the LoanTime website.

Promotions: Pre-qualification for Working Capital products

LoanTime may contact prior clients to inform them that, based on the information they gave to LoanTime, they have been pre-qualified to apply for a cashflow (working capital) loan. However, it is important to note that LoanTime is not a lender, and the fact that LoanTime has assessed a customer’s eligibility based on previously provided information to inform a pre-qualification message does not imply, guarantee, or promise that such customer will be approved for any specific loan or financial product now or in the future.

LoanTime pre-qualified some customers who may receive these emails using minimum qualification criteria. Entry into any loan or financial product is subject to a number of conditions, including the customer’s confirmation of such minimum qualification criteria, the completion and submission of a formal application, the fulfillment of relevant lenders’ conditions and requirements, and the execution of definitive documentation.

Disclaimer of warranty

LoanTime provides no warranty in relation to the statements or information contained on our website, and expressly disclaims liability arising from actions taken or not taken based on such information. We also disclaim any responsibility or obligation to provide updates on published information. These disclaimers extend to third-party content published on our website, including content on our blog and forum, which reflect the views of the authors, not necessarily those of LoanTime.

Limitation of liability

LoanTime will not be liable for any incidental, special, consequential, or indirect damages arising from the use of our website or services, even if LoanTime has been advised of the possibility of such damages. Our aggregate liability will be limited to any amount paid by you to LoanTime for our services, or, if no such amount was paid, A$100.

Copyright and links to third-party websites and services

The contents of this website are subject to copyright and are owned by LoanTime. Reproduction, sale, publication, transmission, or dissemination of the website contents without our prior permission is prohibited, except as permitted by law. We also disclaim responsibility for any content provided on third-party websites linked to our website.

Use of information or content provided by you

By submitting content to our website, you grant LoanTime a perpetual, non-exclusive, irrevocable, royalty-free license to use such content, including reproduction, adaptation, editing, and distribution. You also consent to us providing your information to Product Providers and may receive ongoing communications from us. We may also disclose your information if required by law.

Security of information

We maintain strong security measures to prevent unauthorized access to our systems and the information you provide. This includes encryption of our website using SSL technology and strict confidentiality standards with our employees, agents, and contractors.

General Advice Warning

Our services are to be used as a guide only, and we do not guarantee pricing, approval, or specific product features. Users assume all risks associated with using our website and services.

Indemnification

You agree to indemnify LoanTime for any losses arising from your use of our website or services, content published by you, violation of these terms, or violation of applicable laws.