Effective Date: 31 March 2026
Please read this Disclaimer carefully before using the LenderIQ platform (“Platform”). This Disclaimer adds to our Terms of Service and Privacy Policy.
LenderIQ only deals with loans that are not regulated under the National Consumer Credit Protection Act 2009 (Cth) (“NCCP Act”). This means we can only help with business-purpose and commercial loans — for example, commercial property finance, business equipment, working capital, and development finance.
We cannot help with loans covered by the NCCP Act. This includes home loans for personal use, personal loans, and consumer car finance. If your borrowing need falls under the NCCP Act, you will need to speak with a licensed mortgage broker or financial adviser. If you are unsure whether your loan is covered by the NCCP Act, we recommend seeking independent legal or financial advice.
All lender matches, suggestions, rates, terms, and other information shown by LenderIQ are AI-generated suggestions only. They are produced by automated artificial intelligence systems and are not checked by a person before being shown to you. AI systems can and do make mistakes, including creating information that looks correct but is actually wrong.
You should treat everything the Platform shows you as a starting point for your own research — not as a reliable or final answer. It is your responsibility to verify any and all information before acting on it.
You should always contact lenders directly to confirm exact rates, fees, terms, eligibility, and whether they can help with your situation before making any decisions. Lender products and policies change often, and there may be a delay before our database reflects the latest updates.
LenderIQ does not guarantee that the rates, fees, loan-to-value ratios, geographic coverage, settlement timeframes, or any other lender details shown on the Platform are current or correct when you see them. Information shown on the Platform should never be treated as a confirmed offer or guaranteed terms.
LenderIQ does not provide financial product advice, credit advice, legal advice, or tax advice. Nothing on this Platform should be taken as a recommendation to use any particular lender, product, or financial strategy.
LenderIQ does not hold an Australian Financial Services Licence (AFSL), an Australian Credit Licence (ACL), or any similar licence. We are a technology platform — not a financial adviser, credit provider, or credit representative.
If you need financial, legal, or tax advice, please speak with a qualified and licensed professional.
If you ask us, we can help facilitate communication between you and non-bank or private lenders as part of our optional advisory service. This means we can help explain the process, pass on your enquiry, and liaise with lenders on your behalf.
However, even when providing advisory services, we are not providing financial product advice or credit assistance under the NCCP Act. We do not recommend specific loan products, and we do not act as a credit representative. Our role is to help you navigate the process and connect with the right lenders for business and commercial loans only. Any lending decision is made solely between you and the lender.
Just because a lender appears in our database or in your search results does not mean we are endorsing or recommending that lender. Likewise, if a lender does not appear in your results, that does not mean they are unsuitable for your situation.
LenderIQ has no financial relationship with, and receives no commission or referral fees from, the lenders in our database unless we say otherwise. Our matching is based on data analysis, not commercial deals.
A lender appearing in your results does not mean that lender will accept your application, offer the terms shown, or be able to settle within any timeframe mentioned. Lending decisions are made by lenders based on their own assessment, policies, and current capacity. LenderIQ has no involvement in or influence over any lender’s decision.
Our database covers a curated selection of non-bank and private lenders in the Australian market. It does not cover the entire lending market and may not include every lender that could help with your situation. Lender data is sourced from publicly available materials and direct submissions, and is updated regularly — but we do not guarantee it is always complete or current.
You are responsible for your own decisions. Whether you use the Platform on your own or with our advisory services, you should do your own research, compare options, and seek independent advice if you are unsure about anything. LenderIQ is a tool to help you explore your options — it does not replace your own judgement or professional advice.
LenderIQ is provided “as is” and “as available.” We do not promise the Platform will always be accessible. The service may be temporarily down for maintenance, updates, or reasons outside our control. We are not liable for any loss caused by service interruptions.
To the fullest extent allowed by law, LenderIQ will not be liable for any loss, damage, cost, or expense (whether direct, indirect, or otherwise) that arises from your reliance on any information, suggestion, or output from the Platform or our advisory services. This includes losses from wrong lender data, failed loan applications, missed deadlines, incorrect rate information, or any decisions you make based on what the Platform shows you.
Nothing in this Disclaimer takes away any rights you have under Australian Consumer Law that cannot be excluded.
The Platform may link to third-party websites, lender portals, or other external resources. These links are provided for convenience only. LenderIQ does not endorse, control, or take responsibility for the content or practices of any third-party site.
We may update this Disclaimer from time to time. Changes take effect when posted on this page with an updated date. If you keep using the Platform after changes are made, that means you accept the updated Disclaimer.
If you have questions about this Disclaimer, contact us at:
Email: hello@lender-iq.com