Last Updated: 30 March 2026
1. Acceptance of Terms
By accessing or using the Keep It Simple Financial website, services, consultations, educational resources, content, social media pages or communications, you agree to comply with and be bound by these Terms and Conditions.
If you do not agree to these Terms and Conditions, please do not use this website or any of our services.
2. Description of Services
Keep It Simple Financial provides information and services relating to:
Mortgage broking
Home loans and refinancing
Debt consolidation
Commercial and asset finance
Property finance
Cryptocurrency and digital asset education
General financial education
Blockchain technology
DeFi, CeFi and digital asset lending concepts
Financial tools, resources and educational materials
Any information provided on this website is for general informational and educational purposes only unless otherwise stated.
3. Financial Information Disclaimer
Information provided on this website, in meetings, emails, guides, videos, webinars, social media content or downloadable materials is general in nature unless otherwise stated.
Nothing on this website constitutes:
Tax advice
Legal advice
Accounting advice
Investment advice
Personal financial advice relating to cryptocurrency or digital assets
Any information relating to cryptocurrency, digital assets, wallets, exchanges, DeFi, CeFi, borrowing against crypto, staking, lending, yield products or similar services is provided for educational purposes only.
We do not recommend, endorse or advise that any person buy, sell, hold, transfer, borrow against or otherwise deal in any cryptocurrency, token, digital asset or financial product.
Any references to specific cryptocurrencies, exchanges, wallets, platforms or market opportunities are educational only and should not be relied upon as a recommendation or statement that a particular product, investment or strategy is suitable for you.
Cryptocurrency and digital assets are volatile and speculative. You may lose some or all of your capital.
Past performance is not indicative of future performance.
Mortgage broking and lending assistance may be provided separately under relevant Australian credit laws, licensing requirements and disclosure obligations.
4. User Obligations
By using this website, you agree that you will:
Use the website only for lawful purposes
Not misuse, interfere with or disrupt the website
Not copy, reproduce or distribute our content without permission
Not use the website in a way that could damage our business, reputation or systems
Seek independent professional advice where appropriate before making financial decisions
You acknowledge that you are responsible for your own financial decisions and outcomes.
5. Accuracy, Completeness and Timeliness of Information
We are not responsible if information made available on this website is not accurate, complete or current.
The material on this website is provided for general information only and should not be relied upon as the sole basis for making financial, legal, tax, lending or investment decisions without consulting more accurate, complete or timely sources of information.
Any reliance on the material on this website is at your own risk.
We reserve the right to modify the contents of this website at any time without obligation to update any information.
6. No Guarantee of Results
We do not guarantee:
Any investment return
Any cryptocurrency performance
Any lending approval
Any refinance outcome
Any finance outcome
Any increase in wealth, income or profit
Any reduction in debt
Any result from using our services
All financial decisions involve risk and you are solely responsible for any decisions you make.
7. Intellectual Property Rights
All content on this website, including text, graphics, logos, images, branding, downloads, educational materials, videos and other content, is owned by or licensed to Keep It Simple Financial and is protected by intellectual property laws.
You must not copy, reproduce, republish, upload, post, transmit, distribute or commercially exploit any content without our prior written consent.
8. Disclaimer of Warranties
This website and all services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
Keep It Simple Financial does not warrant that the website will be uninterrupted, secure, error-free or free from viruses or harmful components.
We do not guarantee the accuracy, reliability or completeness of any information or content.
9. Limitation of Liability
To the maximum extent permitted by law, Keep It Simple Financial will not be liable for any direct, indirect, incidental, special or consequential loss or damage arising from or in connection with:
Your use of this website
Reliance on any information provided on this website
Reliance on information provided during consultations or meetings
Cryptocurrency investments or losses
Lending, refinancing or finance decisions
Delays, interruptions or website errors
Cybersecurity incidents or unauthorised access
Third-party products or services
This includes loss of profits, income, opportunity, capital, business, data or reputation.
10. Indemnification
You agree to indemnify, defend and hold harmless Keep It Simple Financial, its owners, employees, contractors, representatives and affiliates from any claims, liabilities, damages, costs or expenses arising from:
Your use of this website
Your breach of these Terms and Conditions
Your reliance on our content
Your financial decisions
Any misuse of our services
11. Third Party Links
This website may contain links to third-party websites, lenders, brokers, exchanges, service providers or other businesses.
We are not responsible for examining or evaluating the content, accuracy or practices of third-party websites or providers.
Any use of third-party websites, products or services is entirely at your own risk.
12. User Comments and Submissions
If you provide comments, feedback, ideas, suggestions or other submissions to us, you agree that we may use, edit, publish or distribute them without restriction.
You agree that any comments or submissions you provide will not be unlawful, defamatory, abusive, obscene or infringe the rights of any third party.
13. Termination
We reserve the right to suspend or terminate your access to this website or our services at any time without notice if we believe you have breached these Terms and Conditions or acted unlawfully.
14. Privacy
We may collect personal information that you provide through contact forms, bookings, email enquiries or other interactions.
Any personal information collected will be handled in accordance with our Privacy Policy.
15. Changes to Terms
We reserve the right to update, change or replace any part of these Terms and Conditions at any time.
Your continued use of the website following any changes constitutes acceptance of those changes.
16. Governing Law
These Terms and Conditions are governed by the laws of New South Wales, Australia.
Any disputes arising from the use of this website or our services will be subject to the exclusive jurisdiction of the courts of New South Wales.
17. Contact Information
If you have any questions about these Terms and Conditions, please contact:
Keep It Simple Financial
Email: keepitsimplefinancial@outlook.com
Terms and Conditions
Privacy Policy
Last Updated: 28 March 2026
1. Introduction
This Privacy Policy describes how Keep It Simple Financial collects, uses, stores and discloses your personal information when you visit our website, contact us, use our services or otherwise interact with us.
By using our website or services, you agree to the collection and use of your personal information in accordance with this Privacy Policy.
2. What Personal Information We Collect
We may collect personal information including:
Your name
Email address
Phone number
Residential address
Date of birth
Employment details
Financial information
Mortgage and lending information
Credit related information
Cryptocurrency related interests or enquiries
Information you provide through forms, emails, consultations or phone calls
Technical information such as IP address, browser type, device information and website usage data
3. How We Collect Personal Information
We may collect personal information when you:
Complete an enquiry form
Book a consultation
Subscribe to updates or marketing communications
Contact us by email or phone
Submit information through our website
Engage with us on social media
Use our website
Participate in surveys, questionnaires or promotions
We may also collect information automatically through cookies, analytics tools and similar technologies.
4. How We Use Your Personal Information
We may use your personal information to:
Respond to enquiries
Provide mortgage broking services
Assess loan or finance enquiries
Provide cryptocurrency and financial education services
Arrange appointments and consultations
Send updates, newsletters or marketing communications
Improve our website and services
Conduct analytics and research
Verify your identity
Meet legal, regulatory and compliance obligations
Prevent fraud, misuse or unauthorised activity
5. Mortgage Broking and Credit Information
Where relevant to mortgage broking services, additional information may be collected separately through secure aggregator systems, lender portals, CRM systems or other third-party service providers.
This information may be shared with lenders, aggregators, credit reporting bodies, service providers and other parties where necessary to assess or arrange finance.
6. Cryptocurrency and Financial Education Information
If you contact us regarding cryptocurrency, digital assets, DeFi, CeFi, exchanges, wallets or related educational services, we may collect information about your interests, goals or questions.
We do not sell your cryptocurrency related information to third parties.
7. Cookies and Website Tracking
Our website may use cookies, pixels, analytics tools and similar technologies to improve user experience and better understand how visitors use our website.
These technologies may collect information including:
IP address
Device type
Browser type
Website pages visited
Time spent on pages
Referral source
You can adjust your browser settings to reject cookies, however some parts of the website may not function properly.
8. Disclosure of Personal Information
We may disclose your personal information to:
Lenders and financial institutions
Mortgage aggregators
Credit reporting agencies
Legal, accounting or compliance advisers
IT service providers
Marketing providers
Website hosting providers
Analytics providers
Contractors and service providers
Government, regulatory or law enforcement agencies where required by law
We only disclose personal information where reasonably necessary for the operation of our business, the provision of services or compliance with legal obligations.
9. Security of Personal Information
We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, disclosure or alteration.
However, no method of electronic transmission or storage is completely secure and we cannot guarantee absolute security.
10. Retention of Information
We may retain your personal information for as long as necessary to:
Provide our services
Meet legal and regulatory obligations
Resolve disputes
Enforce agreements
Maintain business records
11. Access and Correction
You may request access to the personal information we hold about you.
You may also request correction of any inaccurate or incomplete information.
Requests can be made by contacting us using the details below.
12. Marketing Communications
We may send you updates, newsletters, service information or promotional material.
You can unsubscribe from marketing communications at any time by clicking the unsubscribe link or contacting us directly.
13. Third Party Websites
Our website may contain links to third-party websites, lenders, exchanges, brokers or service providers.
We are not responsible for the privacy practices, content or security of third-party websites.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Any changes will be posted on this website and take effect immediately upon publication.
15. Contact Us
If you have any questions about this Privacy Policy or wish to access or update your personal information, please contact:
Keep It Simple Financial
Email: keepitsimplefinancial@outlook.com