1. Introduction & Acceptance of Terms

Welcome to the official website of Uniko Capital (referred to herein as "Uniko Capital", "we", "us", or "our"). These Terms & Conditions govern your access to and use of our website (unikocapital.com.au), as well as any finance inquiries, online calculators, application submission forms, and brokerage services provided by Uniko Capital.

By accessing or using this website, submitting an inquiry, or engaging our financial brokerage services, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions, along with our Privacy Policy. If you do not agree with any part of these terms, you must refrain from using our website and services.

2. Brokerage & Financial Services Role

Uniko Capital operates as a professional finance and mortgage brokerage firm operating in Australia, serving self-employed individuals, business owners, tradies, transport operators, and residential borrowers across Victoria, New South Wales, Queensland, Western Australia, South Australia, and the Northern Territory.

• Finance Intermediary: Uniko Capital acts solely as an intermediary broker connecting borrowers with third-party accredited lenders, banks, and credit providers. We are not a bank or direct lender.
• Independent Credit Provider Assessment: All credit facilities, interest rates, loan terms, approval decisions, and credit limits are subject to the independent credit evaluation and final approval of the respective third-party lender.
• No Warranty of Approval: Submitting a loan inquiry or application through Uniko Capital does not guarantee credit approval, loan funding, or specific interest rates from any lender.

3. User Obligations & Eligibility

To use our website and apply for financial products through Uniko Capital, you must satisfy the following requirements:

• You must be at least 18 years of age and legally authorized to enter into binding contracts under Australian law.
• You represent and warrant that all personal details, financial records, income declarations, bank statements, and business documentation provided to Uniko Capital are true, accurate, current, and complete.
• You must not submit false, fraudulent, or misleading information, or impersonate any individual or business entity.
• You must not attempt to breach website security, execute automated scraping, inject harmful code, or disrupt the operation of our web infrastructure.

4. Online Loan Calculators & Estimates

Any loan repayment calculators, borrowing capacity tools, or rate quotes provided on this website are designed to deliver indicative estimates only.

Calculations are based on the input parameters provided by the user and simplified financial assumptions (such as fixed interest rates and standard repayment frequencies). Actual lender offers may vary based on credit risk profiling, application fees, government charges, stamp duty, valuation fees, and lender-specific underwriting guidelines.

5. Intellectual Property Rights

All content published on this website—including but not limited to trade names, logos, branding assets, software code, graphic designs, icons, written content, calculators, and media—is the exclusive intellectual property of Uniko Capital or its licensors, protected under Australian and international copyright and trademark laws.

You are granted a limited, non-exclusive, non-transferable license to view and print pages from this website for your personal, non-commercial use. Any reproduction, distribution, modification, framing, or commercial exploitation without prior written consent from Uniko Capital is strictly prohibited.

6. Limitation of Liability & Consumer Rights

To the maximum extent permitted by applicable law, including Schedule 2 of the Competition and Consumer Act 2010 (Cth) (Australian Consumer Law):

• This website and all included services are provided on an "as is" and "as available" basis without express or implied warranties of any kind.
• Uniko Capital shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from website downtime, technical errors, lender application rejections, delays in loan settlement, or third-party unauthorized access.
• Where consumer guarantees cannot be excluded by law, our liability is limited to the resupply of the relevant services or the cost of re-supplying those services.

7. Third-Party Links & Partner Lenders

Our website may contain hyperlinks to external websites owned and operated by third parties, such as lender portals, credit reporting agencies, or government bodies. These links are provided solely for your convenience. Uniko Capital does not endorse, control, or take responsibility for the content, privacy policies, or terms of use of external websites.

8. Privacy & Credit Information Handling

We collect, hold, use, and disclose personal and credit information in strict compliance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and our Privacy Policy.

By submitting a loan inquiry or application, you consent to Uniko Capital collecting your information to assess your request, verify your identity, communicate with accredited lenders, and facilitate your loan application process.

9. Governing Law & Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Victoria and the Commonwealth of Australia. Any legal proceedings or disputes arising out of or related to these terms shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

10. Dispute Resolution & Complaints

Uniko Capital is committed to delivering fair, transparent, and responsive service. If you have a concern or complaint regarding our finance brokerage service:

• Internal Complaints Process: Contact our Complaints Officer by emailing admin@unikocapital.com.au or calling 1300 0 UNIKO (1300 086 456). We will acknowledge your complaint within 24 hours and attempt to resolve it promptly.
• External Dispute Resolution (AFCA): If you are not satisfied with our internal response, you have the right to lodge a complaint with the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme.

11. Contact Information

If you have any questions, feedback, or inquiries regarding these Terms & Conditions, please contact Uniko Capital: