Disclaimer
Last updated: March 2026
Important Notice
Please read this disclaimer carefully before using the CosmediLoans website at cosmedloans.com.au. CosmediLoans is a lead generation service — not a lender, credit provider, or financial adviser.
Not a Credit Provider
CosmediLoans ABN 14 693 894 558 is not a credit provider, lender, or credit assistance provider. We do not hold an Australian Credit Licence (ACL) and we do not provide credit, arrange credit, or act as an intermediary in any credit transaction.
CosmediLoans operates as a lead generation service. We collect enquiry information from users of the Website and pass that information to licensed finance brokers who hold Australian Credit Licences or operate as authorised credit representatives. Any credit assistance, credit assessment, or loan arrangement is provided by the broker and/or lender directly, not by CosmediLoans.
Not Financial Advice
The information provided on the Website is general in nature and does not constitute personal financial advice, credit advice, tax advice, or any other form of professional advice. The content on this Website does not take into account your individual objectives, financial situation, or needs.
Before making any financial decisions, you should consider seeking independent financial advice from a qualified professional. You should read the terms and conditions, product disclosure statement (PDS), and target market determination (TMD) of any financial product before committing to it.
Indicative Rates and Figures
All interest rates, repayment amounts, loan terms, and financial figures displayed on the Website are indicative only and are provided for general informational and comparison purposes. They do not constitute an offer, quote, or guarantee of any specific rate or term.
Actual interest rates, fees, charges, and loan terms are determined by the lender based on your individual credit profile, financial situation, loan amount, and term length. Rates and product availability may change without notice.
Calculator Disclaimer
The loan calculator on this Website provides estimates for illustrative purposes only. The calculator assumes a fixed interest rate and constant repayments, and does not account for fees, charges, or other costs that may apply to your loan. Actual repayment amounts may differ. Do not rely on calculator results as a guarantee of repayment amounts.
No Guarantee of Approval
Submitting an enquiry through the Website does not guarantee approval for any loan product. Loan approval is subject to the lender's assessment criteria, including credit checks, income verification, and responsible lending assessments. CosmediLoans has no influence over any lender's approval decision.
Third-Party Content
The Website may contain references to, or links to, third-party websites, products, and services. These references are provided for convenience only and do not constitute an endorsement or recommendation by CosmediLoans. We are not responsible for the content, accuracy, or practices of any third-party website.
Testimonials and Reviews
Any testimonials, reviews, or case studies displayed on the Website represent individual experiences and may not be representative of all users. Individual results may vary significantly depending on personal circumstances, credit profile, and market conditions at the time of application.
Changes to Information
We make reasonable efforts to ensure the information on the Website is accurate and up to date. However, we do not warrant the accuracy, completeness, or currency of any information and reserve the right to make changes at any time without notice.
Regulatory Compliance
All brokers in the CosmediLoans network are required to hold appropriate Australian Credit Licences (ACL) or operate as authorised credit representatives under the National Consumer Credit Protection Act 2009 (Cth). They are bound by responsible lending obligations under the National Credit Code and are members of the Australian Financial Complaints Authority (AFCA) for external dispute resolution.