This website is operated by KT17 Consulting Pty Ltd trading as Liora Capital (“we”, “our”, “us”). KT17 Consulting Pty Ltd is authorised under LMG Broker Services Pty Ltd (ACN 632 405 504) Australian Credit Licence 517192.

By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree, you must not use this website.

This website provides general information about our services and may allow you to submit enquiries or provide information for the purpose of obtaining credit assistance.

You agree to use the website only for lawful purposes and not to engage in any conduct that may disrupt or interfere with its operation.

We may update, suspend, or discontinue parts of the website at any time without notice.

Our Privacy Policy explains how we collect, use, and disclose your personal information. We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

By using this website, you consent to us handling your information in accordance with our Privacy Policy.

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application.

Online applications that have been suspended or saved may be viewed by us.

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

This website may contain links to third-party websites. We are not responsible for the content, security, or privacy practices of those sites.

The inclusion of a link does not imply endorsement.

If you have accessed third-party websites through our website and if those third-parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third-parties.

Where you access a third-party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third-party.

When you view our advertisements on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:

• the server your computer is logged onto;

• your browser type;

• the date and time of your visit; and

• the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request. We will respond to your request as soon as practicable.

We use ‘cookies’ to provide you with better and more customised service and with a more effective website.

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

• to allocate a unique number to your internet browsers;

• to customise our website for you;

• for statistical purposes;

• to identify if you have accessed a Third Party Website; and

• for security purposes.

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

The content on this website is general information only and does not constitute personal financial advice, legal advice, or taxation advice.

Any calculators, tools, or articles are illustrative only and should not be relied on as credit advice.

We will only provide credit assistance once we have assessed your situation in accordance with our obligations under the National Consumer Credit Protection Act 2009 (Cth).

Submitting an enquiry or providing your details through this website does not guarantee loan approval or an offer of credit.

Loan approvals are subject to lender assessment, eligibility, and compliance with applicable law.

To the maximum extent permitted by law, we are not liable for any loss, damage, claim, or expense arising from your use of this website or reliance on its content.

We do not guarantee that the website will always be available, error-free, or free of viruses or harmful code.

You agree to indemnify us against all claims, losses, damages, and expenses arising from your use of this website, your breach of these Terms, or your violation of any law or rights of a third party.

All content, logos, graphics, text, software, and design elements on this website are owned or licensed by us or our licensee.

You may not reproduce, distribute, or use any content without our prior written consent, except for personal and non-commercial purposes.

These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of that State.

We may update these Terms from time to time by publishing the new version on our website. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

If you have any questions about these Terms of Service, please contact us directly by emailing contact.us@lioracapital.com.au