Last updated: March 2026
1. Acceptance of Terms
By accessing and using the Reficity website (the "Site"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.
2. About Our Services
Reficity Pty Ltd holds Australian Credit Licence No. 000000. We act as a mortgage broker, providing credit assistance by comparing home loan products across our panel of lenders. We do not lend money directly.
3. General Information Only
The information on this website is general in nature and does not constitute personal financial advice. It does not take into account your individual financial situation, objectives, or needs. Before making any financial decision, you should consider whether the information is appropriate for you and seek independent financial advice if necessary.
4. Calculator Disclaimers
The calculators available on this website are provided for illustrative and educational purposes only. Results are estimates based on the information you enter and standard assumptions. Actual loan repayments, savings, and costs may differ depending on lender-specific fees, terms, conditions, and your personal circumstances.
5. No Guarantee of Approval
Submitting an application through our website does not guarantee loan approval. All applications are subject to lender assessment, including credit checks, income verification, and property valuation. Loan approval is at the sole discretion of the lender.
6. Accuracy of Information
While we strive to keep the information on this website current and accurate, we do not warrant that it is complete, reliable, or free from error. Interest rates, fees, product features, and lender policies may change without notice. Please verify all details directly with the relevant lender before proceeding.
7. Your Obligations
When using our services, you agree to:
- Provide accurate and complete information in all forms and applications
- Notify us of any changes to your financial circumstances
- Not use the website for any unlawful or prohibited purpose
- Not attempt to interfere with the website's functionality or security
8. Intellectual Property
All content on this website, including text, graphics, logos, designs, and software, is the property of Reficity Pty Ltd or its licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, or create derivative works without our written consent.
9. Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Inclusion of a link does not imply endorsement.
10. Limitation of Liability
To the maximum extent permitted by law, Reficity Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, including any reliance on calculator results or general information provided.
11. Governing Law
These Terms and Conditions are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of New South Wales.
12. Changes to These Terms
We reserve the right to update these Terms and Conditions at any time. Changes take effect immediately upon publication on this page. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.
13. Contact
For questions about these Terms, contact us:
- Phone: 1300 733 424
- Email: hello@reficity.com.au