Terms of Use
Last updated: March 2026
1. Acceptance of Terms
By accessing and using the website at cosmedloans.com.au (“the Website”), operated by CosmediLoans ABN 14 693 894 558 (“CosmediLoans”, “we”, “us”, “our”), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use the Website.
These terms should be read in conjunction with our Privacy Policy and Disclaimer, which also govern your use of the Website.
2. Description of Service
CosmediLoans operates a lead generation website that connects Australian patients seeking medical procedure financing with licensed finance brokers. Specifically:
We are NOT a credit provider, lender, or credit assistance provider.
We do not provide credit, arrange credit, or act as an intermediary in any credit transaction.
We are NOT a financial adviser.
Nothing on this Website constitutes personal financial advice. All information is general in nature and does not take into account your personal objectives, financial situation, or needs.
We are a lead generation service.
We collect enquiry information from users and pass it to licensed finance brokers who hold Australian Credit Licences (ACLs) or operate as authorised credit representatives.
3. Eligibility
To use the Website and submit an enquiry, you must be at least 18 years of age and an Australian citizen or permanent resident. By submitting an enquiry form, you represent and warrant that you meet these requirements.
4. User Obligations
When using the Website, you agree to:
- ·Provide accurate, current, and complete information in all forms and communications
- ·Not submit false, misleading, or fraudulent information
- ·Not use the Website for any unlawful purpose or in violation of any applicable laws
- ·Not attempt to gain unauthorised access to our systems or data
- ·Not interfere with the proper functioning of the Website
- ·Not use automated means (bots, scrapers) to access the Website without our written consent
- ·Not impersonate another person or misrepresent your identity
We reserve the right to refuse service or block access to the Website if we believe you have violated these terms.
5. Intellectual Property
All content on the Website — including text, graphics, logos, images, software, and design elements — is the property of CosmediLoans or its licensors and is protected by Australian and international copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from the Website without our prior written consent.
6. Disclaimers
The Website and its content are provided on an “as is” and “as available” basis. To the maximum extent permitted by Australian Consumer Law, we disclaim all warranties, express or implied, including:
- ·Warranties of merchantability or fitness for a particular purpose
- ·Warranties that the Website will be uninterrupted, error-free, or secure
- ·Warranties regarding the accuracy or completeness of any content
- ·Warranties regarding the availability or terms of any loan product
Interest rates, repayment amounts, and other financial information displayed on the Website are indicative only. Actual rates and terms are determined by the lender based on your individual circumstances.
7. Limitation of Liability
To the maximum extent permitted by law, CosmediLoans and its directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- ·Your use of or inability to use the Website
- ·Any errors, inaccuracies, or omissions in Website content
- ·Any actions taken by you based on information provided on the Website
- ·The conduct, products, or services of any broker, lender, or third party you are connected with
- ·Unauthorised access to your personal information
Nothing in these terms excludes, restricts, or modifies any consumer guarantee or right conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) that cannot be excluded by agreement.
8. Indemnity
You agree to indemnify and hold harmless CosmediLoans and its directors, officers, employees, and agents from and against any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising from your use of the Website, your violation of these Terms, or your violation of any rights of a third party.
9. Third-Party Links and Services
The Website may contain links to third-party websites, products, or services not owned or controlled by CosmediLoans. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. CosmediLoans shall not be responsible or liable for any damage or loss caused by their use.
10. Broker Relationship
When we connect you with a finance broker, that broker operates independently of CosmediLoans. The broker-client relationship is between you and the broker, governed by their own terms, privacy policy, and regulatory obligations. CosmediLoans is not a party to any loan agreement, credit contract, or advisory relationship between you and the broker or lender.
11. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.
12. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the Commonwealth of Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Australia.
13. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.