Terms
of Use

Last updated 29 June 2026

1. About these terms

These Terms of Use govern your access to and use of the Settles Finance website at settles.com.au (the "site"). By accessing or using the site, you agree to be bound by these terms. If you do not agree with them, please do not use the site.

In these terms, "Settles Finance", "we", "us" and "our" refer to Settles Finance, a Credit Representative of Astute Financial Management Pty Ltd, ABN 59 093 587 010, Australian Credit Licence Number 364253.

2. General information only

The content on this site is provided for general information purposes only. It is not financial, credit, taxation or legal advice, and it does not take into account your objectives, financial situation or needs. Before acting on any information on this site, you should consider whether it is appropriate for your circumstances and seek advice tailored to you.

Settles Finance is a finance and mortgage broker, not a lender. Any finance is subject to the relevant lender's approval. Credit criteria, fees, charges, terms and conditions apply.

3. Calculators and tools

Any calculators, estimates or tools on this site are intended as a guide only. They rely on the information you enter and on assumptions that may not reflect your actual circumstances or a lender's assessment. Results are not an offer of finance, a pre-approval, or a guarantee of any particular outcome, interest rate or repayment.

4. Accuracy of information

We take reasonable care to ensure the information on this site is accurate and current at the time of publication. However, products, interest rates, policies and other details change frequently. To the extent permitted by law, we do not warrant that the content is accurate, complete or up to date, and you rely on it at your own risk.

5. Intellectual property

Unless otherwise stated, all content on this site, including text, graphics, logos, images and design, is owned by or licensed to Settles Finance and is protected by applicable intellectual property laws. You may view and print pages for your own personal, non-commercial use. You must not otherwise copy, reproduce, modify, distribute or commercially exploit any part of the site without our prior written permission. All trade marks remain the property of their respective owners.

6. Acceptable use

When using this site, you agree that you will not:

• use the site for any unlawful purpose or in breach of these terms;
• attempt to gain unauthorised access to the site, its servers or any connected systems;
• interfere with or disrupt the site, including by introducing viruses or other harmful code;
• use any automated means to harvest or scrape content in a way that places an unreasonable load on the site; or
• provide false, misleading or inaccurate information through any form or enquiry.

7. Third-party links

This site may contain links to third-party websites, including lenders, the Astute Group, and Financial Services Guides. We provide these links for your convenience and do not control, endorse or accept responsibility for the content, products or privacy practices of those sites. Accessing third-party sites is at your own risk and subject to their terms.

8. Privacy

Your use of this site is also governed by our Astute Group Privacy Policy, which explains how we collect, use and protect your personal information.

9. Availability of the site

We may change, suspend or discontinue any part of the site, or restrict access to it, at any time and without notice. We do not warrant that the site will be available uninterrupted or free of errors.

10. Limitation of liability

To the maximum extent permitted by law, Settles Finance excludes all liability for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, this site or its content. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you may have under the Australian Consumer Law or other law that cannot lawfully be excluded.

11. Changes to these terms

We may update these Terms of Use from time to time. Any changes take effect when they are published on this page. Your continued use of the site after a change means you accept the updated terms, so please review this page periodically.

12. Governing law

These terms are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. You submit to the non-exclusive jurisdiction of the courts of the Australian Capital Territory.

13. Contact us

If you have any questions about these Terms of Use, please contact us at van@settles.com.au or 0421 781 883.

These Terms of Use were last updated on 29 June 2026.