Last Updated: 28th September 2026

1. Acceptance of Terms

By accessing or using the Keep It Simple Financial website, contacting us, submitting an enquiry or application, or using any of our services, you agree to comply with and be bound by these Terms and Conditions.

If you do not agree with these Terms and Conditions, please do not use this website or our services.

These Terms and Conditions apply to your use of our website, online forms, communications, consultations, finance enquiries and other services provided by Keep It Simple Financial.

2. Description of Services

Keep It Simple Financial provides finance broking and credit assistance services relating primarily to:

• Equipment & Asset Finance

• Business Asset Finance

• Vehicle & Commercial Vehicle Finance

• Machinery & Equipment Finance

• Transport & Logistics Finance

• Construction & Mining Equipment Finance

• Agricultural & Farming Equipment Finance

• Manufacturing Equipment Finance

• Marine & Boat Finance

• Aviation Finance

• Car Finance

• Motorcycle Finance

• Caravan & RV Finance

• Personal & Lifestyle Finance

• Other consumer and personal lending solutions

Our role is to assist clients in understanding available finance options and, where appropriate, assist with applications to finance providers or lenders.

The availability of finance products, lenders, loan structures, interest rates, fees, terms and approval criteria may vary depending on the applicant, lender requirements and individual circumstances.

3. Financial Information Disclaimer

Information provided on this website, during meetings, by email, through guides, social media content or other communications is general in nature unless otherwise stated.

Nothing on this website constitutes:

• Tax advice

• Legal advice

• Accounting advice

• Investment advice

• Personal financial advice

Information relating to equipment finance, asset finance, business finance, vehicle finance, personal loans, car finance, motorcycle finance, marine finance, caravan and RV finance or other lending products is provided for general informational purposes only.

Any finance examples, repayment estimates, interest rates or lending scenarios displayed on our website are for illustrative purposes only and may not reflect the terms available to you.

You should consider your own financial circumstances and obtain independent professional advice where appropriate before entering into a financial arrangement.

4. Finance Applications and Lending Approval

Submitting an enquiry or finance application does not guarantee that finance will be approved.

All finance applications are subject to the relevant lender's assessment, eligibility requirements, lending criteria and applicable laws and regulations.

Keep It Simple Financial does not guarantee:

• Approval of a finance application

• A particular interest rate

• A particular loan amount

• A particular loan term

• A particular lender

• A particular repayment amount

• Any specific finance outcome

Lenders may require additional information, documentation, verification or security before making a lending decision.

The final decision to approve or decline finance rests with the relevant lender or finance provider.

5. Responsible Lending and Credit Assistance

Where consumer credit assistance is provided, Keep It Simple Financial operates in accordance with applicable Australian credit laws, responsible lending requirements and relevant licensing or authorisation requirements.

Where applicable, information about your financial situation, requirements and objectives may be collected and assessed as part of the credit assistance process.

This information may be used to assess available finance options and assist in determining whether a proposed credit contract is not unsuitable for you, where required by law. ASIC identifies reasonable inquiries into a consumer's financial situation, requirements and objectives, together with appropriate verification and suitability assessment, as key elements of responsible lending obligations.

Applicable credit guides, disclosure documents and other required information will be provided where required.

6. User Obligations

By using this website or our services, you agree that you will:

• Provide information that is true, accurate and complete to the best of your knowledge

• Promptly notify us if information provided to us changes

• 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 provide false, misleading or fraudulent information

• Not use the website in a manner that could damage our business, reputation or systems

• Seek independent professional advice where appropriate

You acknowledge that the information you provide may be used for the purposes of assessing and assisting with finance applications and enquiries.

7. Accuracy, Completeness and Timeliness of Information

We make reasonable efforts to ensure information provided on our website is accurate and current. However, information may change and we do not guarantee that all information is complete, accurate or up to date at all times.

Finance products, lending criteria, interest rates, fees, charges and lender policies may change without notice.

You should confirm the current terms and conditions of any finance product before entering into a finance contract.

8. No Guarantee of Finance Outcomes

Keep It Simple Financial does not guarantee any particular finance outcome.

We do not guarantee:

• Finance approval

• A particular interest rate

• A particular lender

• A particular loan amount

• A particular repayment

• A particular loan structure

• A particular settlement timeframe

• Acceptance of an application

• The availability of any particular finance product

Any examples or illustrations provided by us are general in nature and should not be interpreted as a guarantee of the outcome of your application.

9. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, branding, videos, downloads, guides and other materials, is owned by or licensed to Keep It Simple Financial and is protected by applicable intellectual property laws.

You must not copy, reproduce, republish, upload, distribute, transmit, modify or commercially exploit our content without our prior written consent.

10. Disclaimer of Warranties

To the maximum extent permitted by law, this website and its content are provided on an "as is" and "as available" basis.

Keep It Simple Financial does not guarantee that:

• The website will always be available

• The website will be uninterrupted

• The website will be free from errors

• The website will be free from viruses or harmful components

• Information on the website will always be accurate or current

We may modify, update or remove website content at any time.

11. Limitation of Liability

To the maximum extent permitted by law, Keep It Simple Financial will not be liable for any loss or damage arising from or in connection with:

• Your use of this website

• Your reliance on information provided on this website

• Information provided during consultations or communications

• Delays or interruptions to the website

• Website errors or technical issues

• Third-party websites or services

• Third-party products or services

• Finance applications or decisions made by lenders

• Your financial decisions

This may include, to the extent permitted by law, loss of income, profits, business opportunities, data or other consequential loss.

Nothing in these Terms and Conditions is intended to exclude, restrict or modify any rights or remedies that cannot lawfully be excluded, restricted or modified under applicable Australian law.

12. Indemnification

To the maximum extent permitted by law, you agree to indemnify and hold harmless Keep It Simple Financial, its owners, employees, contractors, representatives and affiliates from claims, liabilities, damages, costs or expenses arising from:

• Your breach of these Terms and Conditions

• Your misuse of the website

• Information you knowingly provide that is false or misleading

• Your unlawful use of the website or services

• Your violation of the rights of another person

This clause does not apply to the extent that the relevant loss or liability arises from our own unlawful conduct or negligence.

13. Third-Party Links and Services

This website may contain links to third-party websites, lenders, finance providers, service providers or other businesses.

These links are provided for convenience and information purposes only.

Keep It Simple Financial does not control and is not responsible for the content, accuracy, availability, privacy practices or terms of third-party websites.

Your use of third-party websites or services is subject to the relevant third party's terms and conditions and privacy policies.

14. User Comments and Submissions

If you provide comments, feedback, ideas, suggestions, testimonials or other submissions to us, you agree that the information provided will not:

• Be unlawful or misleading

• Be defamatory or abusive

• Contain offensive or inappropriate material

• Infringe the intellectual property or other rights of another person

• Contain malicious software or harmful material

Where you provide a testimonial or other content for publication, we will only use it in accordance with any consent provided by you and applicable law.

15. Termination

We reserve the right to suspend or terminate your access to this website or our services where we reasonably believe that you have:

• Breached these Terms and Conditions

• Provided fraudulent or misleading information

• Used the website unlawfully

• Misused our services

• Engaged in conduct that may cause harm to our business, systems or other users

Termination of website access does not affect any rights or obligations that have already arisen.

16. Privacy

We may collect personal information that you provide through our website, enquiry forms, finance applications, email enquiries, telephone calls, consultations or other interactions with us.

Your personal information will be handled in accordance with our Privacy Policy and applicable privacy laws.

Personal information may be collected and used for purposes including responding to enquiries, assessing finance requirements, providing credit assistance, processing applications and communicating with you about our services.

You should review our Privacy Policy for further information about how we collect, use and protect personal information.

17. Changes to These Terms

We reserve the right to update, change or replace these Terms and Conditions from time to time.

Any updated version will be published on this website.

Your continued use of the website following any changes to these Terms and Conditions constitutes acceptance of the updated Terms, to the extent permitted by law.

18. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia.

You agree that any dispute arising in connection with these Terms and Conditions or your use of this website will be subject to the applicable courts and laws of New South Wales, Australia, subject to any mandatory rights or jurisdiction that cannot lawfully be excluded.

19. Contact Information

If you have any questions regarding these Terms and Conditions, please contact:

Keep It Simple Financial
Email: james@keepitsimplefinancial.com.au

Terms and Conditions

Privacy Policy

Last Updated: 28 September 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

• 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

• 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. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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.

13. 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.

14. 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: james@keepitsimplefinancial.com.au