Legal
Terms & Conditions
Please read these terms carefully before using our website.
Last updated: June 2026
Smartway Finance Pty Ltd (ABN 42 682 496 779) holds Australian Credit Licence #566769 and is a member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA).
1. Acceptance of Terms
By accessing or using the Smartway Finance website (swfin.com.au), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please discontinue use of the website immediately. Smartway Finance Pty Ltd (ABN 42 682 496 779, ACL #566769) reserves the right to update these terms at any time without prior notice. Continued use of the website following any changes constitutes your acceptance of the revised terms.
2. Intellectual Property Rights
All content on this website — including but not limited to text, graphics, logos, images, video, audio, and software — is the property of Smartway Finance Pty Ltd or its content suppliers and is protected by Australian and international copyright and intellectual property laws. No part of this website may be reproduced, distributed, transmitted, displayed, published, or broadcast in any form or by any means without the prior written permission of Smartway Finance Pty Ltd. Unauthorised use of any content from this website may give rise to a claim for damages and/or be a criminal offence.
3. General Information Only
The information provided on this website is general in nature and does not constitute financial, credit, legal, or tax advice. It has been prepared without taking into account your personal objectives, financial situation, or needs. Before acting on any information on this website, you should consider its appropriateness to your circumstances and, where appropriate, seek independent professional advice. All loan applications are subject to lender credit assessment and approval. Approval is not guaranteed.
4. Rate & Calculator Disclaimers
Any interest rates, comparison rates, repayment estimates, and calculations displayed on this website are indicative only and do not constitute an offer of credit or a formal credit quote. Actual rates and repayments will vary based on lender assessment, your credit profile, loan amount, term, and individual circumstances. Interest rate from 5.95% p.a. | Comparison rate from 5.95% p.a.* WARNING: The comparison rate is based on a secured loan of $30,000 over a term of 5 years. This comparison rate applies only to the example given and may not include all fees and charges. Different loan amounts, terms, fees and charges may result in different comparison rates.
5. Cookies
This website uses cookies and similar tracking technologies to enhance your browsing experience, analyse website traffic, and understand how visitors use our site. Cookies are small text files placed on your device by your browser. By continuing to use this website, you consent to our use of cookies. You can control or disable cookies through your browser settings at any time; however, doing so may affect the functionality of certain parts of the website. We may use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period). We do not use cookies to collect personally identifiable information without your consent.
6. Privacy
Smartway Finance Pty Ltd is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Our Privacy Policy, available at the link below, sets out how we collect, use, store, and disclose your personal information. By using this website and submitting any personal information, you consent to the collection and use of that information as described in our Privacy Policy.
7. Links to Third-Party Websites
This website may contain links to third-party websites for your convenience. These links do not constitute an endorsement by Smartway Finance of those websites or their content. We have no control over the content or practices of third-party websites and accept no responsibility for them. We encourage you to review the privacy and terms policies of any third-party websites you visit.
8. Limitation of Liability
To the maximum extent permitted by law, Smartway Finance Pty Ltd excludes all liability for any loss or damage (including indirect, consequential, or incidental loss) arising from your use of, or inability to use, this website or its content. We do not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components. You access and use this website at your own risk.
9. Acceptable Use
You agree not to use this website for any unlawful purpose or in any way that could damage, disable, overburden, or impair the website or interfere with any other party's use of the website. You must not attempt to gain unauthorised access to any part of the website, its servers, or any systems connected to the website. Any conduct that, in our reasonable opinion, restricts or inhibits any other person from using or enjoying the website will not be permitted.
10. Governing Law
These Terms and Conditions are governed by the laws of Queensland, Australia. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Queensland.
11. Contact Us
If you have any questions about these Terms and Conditions, please contact us at info@swfin.com.au or call 07 5512 7080. Our office is located at 38/207 Currumburra Rd, Ashmore QLD 4214.
Have a question about these terms?
Our team is happy to help clarify anything.