Terms and Conditions

Terms and Conditions

Lagos Financial Pty Ltd
Last updated: 23 March 2026

Please read these Terms and Conditions carefully before using the Lagos Financial website or engaging our services. By accessing lagosfinancial.com.au (the “Website”) or submitting an enquiry, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. About Lagos Financial

The Website is operated by Lagos Financial Pty Ltd (ABN 39 660 364 170), the holder of Australian Credit Licence (ACL) 546774, and its associated entity Lagos Financial Servicing Pty Ltd (ACR 519272, Credit Representative Number 576488).

Together, we operate as a mortgage broking and finance services business with offices at:

  • Level 1, 9/13 Bronte Road, Bondi Junction NSW 2022
  • 45 Cameron Street, Launceston TAS 7250

Phone: 0483 969 782
Email: contact@lagosfinancial.com.au

In these Terms, “Lagos Financial”, “we”, “us” and “our” refer to Lagos Financial Pty Ltd and Lagos Financial Servicing Pty Ltd, as applicable.

2. Credit Services – What We Do (and Don’t Do)

Lagos Financial is a credit assistance provider under the National Consumer Credit Protection Act 2009 (Cth) (“NCCP Act”). This means we help you identify, compare and apply for credit products offered by third-party lenders – we do not provide credit ourselves.

Key points:

  • Any loan, mortgage or finance product you obtain is provided by the relevant lender, not by Lagos Financial.
  • Approval of any credit application is at the sole discretion of the lender and is subject to the lender’s own terms, conditions and credit assessment criteria.
  • Submitting an enquiry or application through this Website does not guarantee that credit will be offered, nor does it constitute a credit offer from us.
  • We are required by law to act in your best interests and to make reasonable inquiries before recommending a credit product. We will provide you with a Credit Guide and, where applicable, a Credit Proposal Document before providing formal credit assistance.

Services offered by Lagos Financial include residential home loans, commercial finance, SMSF lending, construction finance, investment property loans, car loans, personal loans and equipment finance.

3. Regulatory Compliance – ASIC and the NCCP Act

Lagos Financial holds Australian Credit Licence 546774 issued by the Australian Securities and Investments Commission (ASIC). We are subject to:

  • The National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code
  • ASIC’s regulatory guidance on responsible lending and credit assistance
  • The Competition and Consumer Act 2010 (Cth), including the Australian Consumer Law (ACL)
  • The Privacy Act 1988 (Cth) and the Australian Privacy Principles

Nothing in these Terms limits, excludes or modifies any right or remedy you may have under the Australian Consumer Law or any other non-excludable right conferred by law.

4. General Information Only – Not Personal Advice

The content published on this Website (including articles, blog posts, podcast episodes, calculators, tools and general guides) is provided for general information purposes only. It does not constitute:

  • Personal financial advice or financial product advice under the Corporations Act 2001 (Cth)
  • Personal credit assistance or a credit recommendation under the NCCP Act
  • Legal, tax or accounting advice

General information on this Website has not taken into account your individual objectives, financial situation or needs. Before acting on any information found here, you should consider whether it is appropriate for your circumstances. We strongly recommend you speak with a qualified professional (including, where appropriate, a Lagos Financial broker) before making any financial decision.

A formal credit assistance relationship only arises once you have engaged Lagos Financial directly, received a Credit Guide, and been provided with specific credit assistance in relation to a credit contract.

5. Use of the Website

5.1 Permitted Use

You may use the Website for lawful purposes only. By using the Website, you agree that you will not:

  • Use the Website in any way that breaches any applicable law or regulation
  • Transmit any unsolicited or unauthorised advertising or promotional material
  • Knowingly transmit any data, send or upload any material that contains viruses, malware or any other harmful code
  • Attempt to gain unauthorised access to any part of the Website, the server on which it is hosted, or any connected system
  • Use automated means (bots, scrapers or similar tools) to access, monitor or extract content from the Website without our prior written consent
  • Reproduce, duplicate, copy or resell any part of the Website in contravention of these Terms

5.2 Accurate Information

When submitting any enquiry, application or information through the Website (including via the HAILO application portal or any other online form), you agree to provide accurate, complete and up-to-date information. Providing false or misleading information may affect your application and could have serious legal consequences under the NCCP Act and the Australian Consumer Law.

5.3 Account and Application Portals

If you create an account or commence an application through the HAILO portal (accessible at start-your-application) or any other portal linked from this Website, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at contact@lagosfinancial.com.au if you suspect any unauthorised access.

6. Third-Party Tools and External Links

6.1 HAILO Application Portal

The online application portal accessible from this Website is powered by HAILO, a third-party platform. When you use this portal, you are also subject to HAILO’s own terms of service and privacy policy. Lagos Financial is not responsible for the operation, availability or security of the HAILO platform itself. We use HAILO as a tool to facilitate your application and securely share information with lenders.

6.2 LoanOptions Widget

This Website may display loan comparison or indicative rate information through the LoanOptions widget or similar embedded tools. Any figures, rates or calculations generated by these tools are estimates only and are based on general assumptions. They do not represent a quote, offer or approval of credit. Actual loan terms, interest rates, fees and repayments will be determined by the relevant lender and may differ materially from any estimate shown.

6.3 Booking and Scheduling Tools

Appointment booking functionality on this Website may be provided through Calendly or other scheduling platforms. Your use of those tools is subject to their respective terms of service and privacy policies. Lagos Financial is not responsible for the operation or data handling practices of those third-party platforms.

6.4 Lender and Other External Websites

The Website may contain links to lender websites, government agencies, industry bodies and other third-party websites. These links are provided for your convenience only. We do not control, endorse or accept responsibility for the content, privacy practices or terms of any linked website. Visiting any external website is entirely at your own risk.

7. Calculators and Financial Tools Disclaimer

Any mortgage calculators, borrowing capacity estimators, repayment calculators or similar tools available on or linked from this Website are provided as a convenience to help you form a general understanding of your financial position. Please be aware that:

  • Results are based on the inputs you provide and general assumptions about interest rates, loan terms and lender criteria
  • They do not account for your full financial circumstances, credit history or lender-specific policies
  • They are not a pre-approval, conditional approval or formal credit assessment
  • Interest rates and lending policies change frequently, and any results may not reflect current market conditions

Always speak with a Lagos Financial broker to obtain advice tailored to your situation before making any financial commitment.

8. Intellectual Property

8.1 Our Content

All content on this Website (including text, graphics, logos, images, video content, podcast episodes including the Debt to Financial Freedom podcast, blog articles, tools and the overall design and layout) is owned by or licensed to Lagos Financial and is protected by Australian and international copyright law.

8.2 Limited Licence to You

We grant you a limited, non-exclusive, non-transferable licence to access and use the Website and its content for your own personal, non-commercial purposes. This licence does not permit you to:

  • Copy, reproduce, modify, adapt, publish or distribute any content without our prior written consent
  • Use our name, logo, trademarks or branding in any way that could cause confusion or suggest an association with Lagos Financial that does not exist
  • Frame or embed any part of the Website within another website without our prior written consent

8.3 Your Submissions

By submitting any content to us (including enquiry forms, reviews or messages) you grant Lagos Financial a non-exclusive, royalty-free licence to use, store and process that content to the extent necessary to respond to you and to operate our services.

9. The Debt to Financial Freedom Podcast

The Debt to Financial Freedom podcast is produced and hosted by Lagos Financial. All podcast content is provided for general educational and informational purposes only. Nothing in any podcast episode constitutes personal financial advice, credit assistance or a recommendation to take any particular financial action. Listeners should seek independent professional advice tailored to their circumstances.

Podcast content is protected by copyright. You may listen to episodes for personal use, but you may not reproduce, re-broadcast or use any podcast content for commercial purposes without our written consent.

10. Limitation of Liability

To the maximum extent permitted by law (including the Australian Consumer Law), Lagos Financial excludes all liability for:

  • Any loss or damage you suffer as a result of relying on general information published on this Website, unless that information was provided to you as part of a formal credit assistance engagement
  • Any inaccuracy, incompleteness or outdated nature of the information on this Website
  • Interruption to, or unavailability of, the Website or any third-party tools accessed through it
  • Any decision made by a lender in relation to your credit application
  • Any loss or damage arising from your use of third-party websites, tools or services linked from this Website
  • Any indirect, special, consequential or incidental loss, however arising

Where legislation (including the Australian Consumer Law) implies a guarantee or warranty that cannot be excluded, our liability for breach of that guarantee or warranty is limited, to the extent permitted by law, to re-supplying the relevant service or paying the cost of having the service re-supplied.

Nothing in these Terms limits our liability for personal injury or death caused by our negligence, fraud, or any other liability that cannot be lawfully excluded.

11. Privacy

Lagos Financial is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. The way we collect, use, disclose and protect your personal information is set out in our Privacy Policy, which forms part of the terms governing your use of this Website.

By using the Website and submitting information to us, you consent to the collection and use of your personal information as described in our Privacy Policy.

12. Complaints and Dispute Resolution

12.1 Talk to Us First

If you have a complaint about our services, we encourage you to contact us directly in the first instance. We have an internal dispute resolution (IDR) process and are committed to resolving complaints promptly and fairly.

You can lodge a complaint by:

We will acknowledge your complaint promptly and aim to provide a written response within 30 days of receipt, in accordance with our IDR obligations under ASIC Regulatory Guide 271.

12.2 External Dispute Resolution (AFCA)

If you are not satisfied with our response to your complaint, or if your complaint is not resolved within 30 days, you have the right to refer the matter to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme. AFCA provides a free and independent service to consumers and small businesses.

Australian Financial Complaints Authority
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
Post: GPO Box 3, Melbourne VIC 3001

Time limits apply to lodging complaints with AFCA. You should contact AFCA or visit their website for details of the time limits relevant to your circumstances.

13. Governing Law

These Terms are governed by the laws of New South Wales, Australia. You and Lagos Financial each submit to the non-exclusive jurisdiction of the courts of New South Wales and, where applicable, the courts of the Commonwealth of Australia.

14. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal obligations or business practices. When we make material changes, we will update the “Last updated” date at the top of this page. Your continued use of the Website after any changes are posted constitutes your acceptance of the revised Terms. We recommend you check this page periodically.

15. Severability

If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

16. Contact Us

For any questions about these Terms and Conditions, please contact us:

Lagos Financial Pty Ltd
ABN 39 660 364 170 | Australian Credit Licence 546774
Level 1, 9/13 Bronte Road, Bondi Junction NSW 2022
Phone: 0483 969 782
Email: contact@lagosfinancial.com.au
Website: lagosfinancial.com.au

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