Terms and Conditions - enroutefinance
Last Updated: May 12, 2025
1. Introduction
Welcome to Enroute Finance ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our websites, enroute.finance, www.enroute.finance, enroutefinance.com.au, and www.enroutefinance.com.au (collectively, "Website"), and any services, products, or content provided through them ("Services"). By accessing or using our Website or Services, you agree to be bound by these Terms and all applicable Australian laws and regulations. If you do not agree, please do not use our Website or Services.
2. Definitions
User: Any individual or entity accessing or using the Website or Services.
Content: All text, images, data, software, or materials available on the Website.
Services: Financial services, including but not limited to lending, finance brokering or credit assistance provided through the Website or otherwise by Enroute Finance.
Australian Law: All applicable Commonwealth, state, and territory laws, including regulations, codes, and guidelines.
3. Eligibility
To use our Website or Services, you must:
Be at least 18 years old and have the legal capacity to enter into contracts under Australian law.
Reside in Australia or a jurisdiction where our Services are legally permitted.
Provide accurate, complete, and truthful information when engaging with our Website or Services.
Not be prohibited from accessing financial services under Australian law, including anti-money laundering and counter-terrorism financing regulations.
4. Use of the Website
4.1 Permitted Use: You may use the Website and Services for lawful purposes only, in compliance with these Terms and Australian law, including the Australian Consumer Law (ACL) as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth) and the National Consumer Credit Protection Act 2009 (Cth).
4.2 Prohibited Conduct: You agree not to:
Use the Website or Services in a manner that breaches any Australian law, including financial services, privacy, or consumer protection laws.
Engage in fraudulent, misleading, or deceptive conduct, as prohibited under the ACL.
Attempt to gain unauthorized access to our systems, servers, or data, or engage in any activity that compromises the Website’s security.
Reproduce, distribute, modify, or create derivative works from any Content without our prior written consent.
Use the Website to transmit harmful code, malware, or engage in activities that disrupt the Website’s functionality.
5. Services
5.1 Nature of Services: Enroute Finance provides finance broking services, facilitating access to credit and financing solutions, as detailed on enroute.finance, www.enroute.finance, enroutefinance.com.au, or www.enroutefinance.com.au, or in separate agreements. Specific finance broking services are subject to additional terms, such as brokerage agreements or credit contracts.
5.2 Availability: We strive to maintain continuous access to the Website and Services but do not guarantee uninterrupted availability due to maintenance, technical issues, or regulatory requirements. We may suspend, modify, or withdraw Services at our discretion, subject to compliance with Australian law.
5.3 Accuracy of Information: While we aim to provide accurate, current, and complete information, we do not warrant that all Content is free from errors or omissions. You should not rely solely on Website Content for financial decisions without consulting us directly.
6. Intellectual Property
6.1 Ownership: All Content, trademarks, logos, and other intellectual property on the Website are owned by or licensed to Enroute Finance and are protected under the Copyright Act 1968 (Cth), Trade Marks Act 1995 (Cth), and other Australian laws.
6.2 Limited License: You are granted a non-exclusive, non-transferable, revocable license to access and use the Website and Content for personal, non-commercial purposes, subject to these Terms.
6.3 Restrictions: You may not copy, modify, distribute, sell, or create derivative works from our Content without our express written consent. Unauthorized use may result in legal action.
7. User-Provided Information
7.1 Accuracy and Responsibility: You agree to provide accurate, current, and complete information when using our Services, including for finance applications, inquiries, or account creation. You are responsible for any consequences arising from inaccurate or incomplete information.
7.2 Privacy: We collect, use, and store your personal information in accordance with our Privacy Policy.
7.3 Account Security: You are responsible for maintaining the confidentiality of any account credentials and for all activities conducted under your account. Notify us immediately of any unauthorized access or use.
8. Third-Party Links and Services
8.1 Third-Party Content: The Website may include links to third-party websites, services, or products (e.g., lenders, financial institutions, or comparison tools). We are not responsible for the content, accuracy, or practices of these third parties.
8.2 Risk: Accessing third-party links or services is at your own risk. We recommend reviewing their terms, privacy policies, and licensing status before engaging.
8.3 No Endorsement: Inclusion of third-party links does not imply endorsement by Enroute Finance.
9. Fees and Payments
9.1 Service Fees: Fees for our Services, if applicable, will be disclosed in advance or in separate agreements (e.g., credit contracts). You agree to pay all applicable fees promptly.
9.2 Third-Party Fees: You may incur additional fees from third parties (e.g., lenders or banks) when using our Services. These are your responsibility unless otherwise agreed.
10. Limitation of Liability
10.1 No Warranties: To the maximum extent permitted by Australian law, the Website and Services are provided "as is" without warranties, express or implied, except those guarantees provided under the ACL.
10.2 Liability Cap: Enroute Finance, its affiliates, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages (e.g., loss of profits, data, or opportunities) arising from your use of the Website or Services, except where such liability cannot be excluded under the ACL or other laws. Our total liability is limited to the amount paid by you for the Services or $100, whichever is greater, unless otherwise required by law.
11. Indemnity
You agree to indemnify, defend, and hold harmless Enroute Finance, its affiliates, directors, employees, and agents from any claims, losses, damages, or costs (including legal fees) arising from your breach of these Terms, misuse of the Website or Services, or violation of Australian law or third-party rights.
12. Termination
12.1 By Us: We may suspend or terminate your access to the Website or Services, with or without notice, if you breach these Terms, engage in unlawful conduct, or if required by Australian law or regulatory authorities (e.g., ASIC or AFCA).
12.2 By You: You may cease using the Website or Services at any time by discontinuing access or notifying us.
12.3 Effect of Termination: Upon termination, your right to access the Website or Services ceases. Obligations such as payment of fees, intellectual property rights, limitation of liability, and indemnity survive termination.
12.4 Ongoing Obligations: Termination does not affect any existing credit contracts or agreements, which remain governed by their terms.
13. Changes to These Terms
We may update these Terms to reflect changes in our Services, industry practices, or Australian law. Updated Terms will be posted on enroute.finance, www.enroute.finance, enroutefinance.com.au, or www.enroutefinance.com.au with the "Last Updated" date. We will notify you of material changes via the Website, email, or other reasonable means, as required by the ACL or other laws. Continued use of the Website or Services after changes constitutes your acceptance of the revised Terms.
14. Governing Law and Jurisdiction
14.1 Governing Law: These Terms are governed by the laws of Australia, including Commonwealth, state, and territory laws, as applicable.
14.2 Jurisdiction: Any disputes arising from these Terms or your use of the Website or Services will be subject to the non-exclusive jurisdiction of the courts of the Australian state or territory where Enroute Finance has its principal place of business, or as otherwise required by Australian law. This ensures accessibility for users across all Australian jurisdictions.
15. Dispute Resolution
15.1 Negotiation: If a dispute arises under these Terms or related to your use of the Website or Services, you agree to first attempt to resolve it with Enroute Finance through good-faith negotiation. Contact us using the details in Section 17.
15.2 External Dispute Resolution: If the dispute remains unresolved after 30 days of negotiation, you may refer it to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme, as required under the National Consumer Credit Protection Act 2009 (Cth). AFCA can be contacted at:
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
15.3 Legal Action: Nothing in this section prevents either party from seeking urgent injunctive relief or exercising statutory rights under the ACL. Any legal proceedings will be conducted in accordance with Section 14.2.
15.4 Costs: Each party bears its own costs for negotiation and AFCA processes, unless otherwise determined by AFCA or a court.
16. Miscellaneous
16.1 Entire Agreement: These Terms, our Privacy Policy, and any additional agreements for specific Services constitute the entire agreement between you and Enroute Finance.
16.2 Severability: If any provision of these Terms is found to be unenforceable or invalid under Australian law, the remaining provisions will remain in effect to the fullest extent possible.
16.3 No Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
16.4 Assignment: We may assign our rights and obligations under these Terms to a third party, subject to compliance with Australian law. You may not assign your rights or obligations without our prior written consent.
16.5 Force Majeure: We are not liable for delays or failures in providing Services due to events beyond our reasonable control (e.g., natural disasters, regulatory changes, or system outages), provided we take reasonable steps to mitigate the impact.
16.6 Notices: Notices under these Terms may be sent via email, post, or through the Website. You agree to electronic communication where permitted by law, in accordance with the Electronic Transactions Act 1999 (Cth).
16.7 No Partnership: Your use of the Website or Services does not create a partnership, joint venture, or agency relationship between you and Enroute Finance.
17. Contact Us
For questions, complaints, or concerns about these Terms or our Services, please contact us at:
Email: hello@enroute.finance
Phone: 0414 106 185