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Website Terms and Conditions 

Bridgewest Finance Management Australia Pty Ltd 
ACN: 685 993 257 

Bridgewest Finance NZ Limited Partnership  
NZBN: 9429050041053 
 
Last updated: 30 June 2025 

These Website Terms and Conditions (“Terms”) govern your access to and use of the website operated by to Bridgewest Finance Management Australia Pty Ltd (ACN 685 993 257) and Bridgewest Finance NZ Limited Partnership (NZBN 9429050041053) (“Bridgewest Finance”, “we”, “us”, “our”) at www.bridgewestfinance.com (the “Website”). By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must immediately cease using the Website. 

1. Eligibility and Use of Website 

1.1. Eligibility: The Website is intended for use by individuals and entities located in Australia who are at least 18 years of age or have the legal capacity to enter into binding agreements. By using the Website, you represent and warrant that you meet these eligibility requirements. 

1.2. Lawful Use: You must use the Website for lawful purposes only and in accordance with the Competition and Consumer Act 2010 (Cth) (Australia) and the Commerce Act 1986 and the Fair Trading Act 1986 (New Zealand) other applicable Australian and New Zealand laws. You are prohibited from using the Website in any manner that: 

• Is fraudulent, deceptive, or misleading; 
• Infringes any third party’s intellectual property, privacy, or other rights; 
• Causes harm, distress, or inconvenience to any person; 
• Violates any law, including the Privacy Act 1988 (Cth) (Australia), the Privacy Amendment (Notifiable Data Breaches) Act 2017 (Cth) (Australia), the New Zealand Privacy Act 2020 (New Zealand) and relevant provisions of the AntiMoneyLaundering and CounterTerrorism Financing Act 2006 (Cth) (Australia) and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (New Zealand). 

1.3. Broker and Referrer Responsibilities: Finance brokers, intermediaries, or third-party referrers accessing or using the Website on behalf of clients must: 

• Obtain and maintain appropriate written authority and consents to act on behalf of their clients; 
• Ensure all personal or financial information disclosed complies with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2021; and the New Zealand Privacy Act 2020 (New Zealand);  
• Provide evidence of client consent upon Bridgewest Finance’s request; 
• Verify the accuracy and completeness of all information provided. 

1.4. Prohibited Conduct: You must not: 

• Attempt to gain unauthorised access to the Website, its systems, or any related networks; 
• Use automated tools (e.g., bots, scrapers) to extract data or content; 
• Introduce viruses, malware, or other harmful code; 
• Engage in activities that disrupt or impair the Website’s functionality, such as denial-of-service attacks; 
• Reverse-engineer, decompile, or disassemble any Website software or code. 

1.5. Account Security: If provided with login credentials, you are responsible for maintaining their confidentiality and notifying us immediately of any unauthorised access or security breaches. 

2. No Offer, Solicitation, or Advice 

2.1. General Information: All content on the Website, including text, images, and downloadable materials, is provided for general informational purposes only. It does not constitute an offer, invitation, solicitation, or recommendation to enter into any financial product, service, or transaction. Specifically, it is not intended to provide you with financial advice or take into accountyour objectives, financial situation or needs.  

2.2. No Professional Advice: Bridgewest Finance does not provide legal, financial, tax, or other professional advice through the Website. You must seek independent, qualified advice tailored to your circumstances before acting on any information provided. 

2.3. Risk Acknowledgment: Decisions based on Website information are at your sole risk. Bridgewest Finance is not liable for any outcomes resulting from your reliance on such information.  

3. Submissions by Brokers and Intermediaries 

3.1. Authority and Compliance: Brokers, introducers, or intermediaries submitting borrower, guarantor, or other client information via the Website represent and warrant that: 

• They are duly authorised in writing to act on behalf of the relevant individual(s) or entity; 
• All information provided is true, accurate, complete, and not misleading; 
• They have obtained all necessary consents and provided required disclosures in compliance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2021; and the New Zealand Privacy Act 2020 (New Zealand); 

3.2. Liability for Unauthorised Submissions: Bridgewest Finance is not liable for any unauthorised disclosure, misuse, or loss of personal or financial information submitted by a third party without proper authority. All third parties, including introducers or intermediaries, indemnify Bridgewest Finance against any claims, losses, damages, or expenses (including legal fees) arising from their failure to comply with this clause. 

3.3. Data Retention: Bridgewest Finance may retain submitted information in accordance with its Privacy Policy and legal obligations, including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (New Zealand). 

4. Intellectual Property 

4.1. Ownership: All content on the Website, including text, graphics, images, logos, trade names, designs, layouts, software, and databases, is owned by or licensed to Bridgewest Finance and is protected by Australian and international copyright, trademark, and other intellectual property laws. 

4.2. Limited Licence: You are granted a non-exclusive, non-transferable, revocable licence to access and use the Website and its content for personal or internal business purposes only. This licence does not permit you to: 

• Reproduce, distribute, publish, modify, or create derivative works from any content without prior written consent; 
• Use content for commercial purposes unrelated to Bridgewest Finance’s services; 
• Remove or alter any copyright, trademark, or proprietary notices. 

4.3. Trademarks: The “Bridgewest Finance” name, logo, and related marks are trademarks of Bridgewest Finance. Unauthorised use of these trademarks is prohibited and may result in legal action. 

4.4. Infringement: Unauthorised use of Website content or intellectual property may lead to legal action, including claims for damages and injunctive relief. 

5. Website Availability, Security, and Accuracy 

5.1. No Guarantee of Availability: While we implement reasonable security measures (e.g., encryption, firewalls), we do not guarantee: 

• Uninterrupted or error-free access to the Website; 
• Freedom from viruses, malware, or other harmful components; 
• The accuracy, completeness, or currency of all content. 

5.2. Suspension or Termination: Bridgewest Finance may, at its sole discretion and without notice, suspend, restrict, or terminate access to the Website for reasons including maintenance, security concerns, or non-compliance with these Terms. Access may also be terminated immediately for suspected breaches. 

5.3. User Responsibilities: You are responsible for: 

• Ensuring your devices and systems are secure and protected against cyber threats; 
• Maintaining the confidentiality of login credentials or access codes; 
• Notifying us immediately of any unauthorised access or security breaches at bridgewestfinanceau@bridgewestgroup.com   

6. Third-Party Links and Content 

6.1. External Links: The Website may contain links to third-party websites or resources for convenience only. These links do not imply endorsement, affiliation, or control by BridgewestFinance. Bridgewest Finance does not accept any liability for information contained in web-siteswhich may be linked to the web-site. You access those web-sites and utilise them at your own risk. We are not responsible for: 

• The content, accuracy, or availability of third-party websites; 
• Any loss, damage, or harm arising from their use, including risks such as phishing or malware. 

6.2. Third-Party Services: Interactions or transactions with third-party providers linked through the Website are solely between you and the third party. Bridgewest Finance is not liable for any disputes, losses, or damages arising from such interactions. 

7. Limitation of Liability and Disclaimers 

7.1. No Warranties: To the maximum extent permitted by law, Bridgewest Finance provides the Website and its content “as is” and disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. 

7.2. Exclusion of Liability: To the fullest extent permitted by law, Bridgewest Finance, its directors, employees, agents, or affiliates are not liable for any direct, indirect, incidental, consequential, or special losses, damages, costs, or expenses (including loss of profits, data, or business opportunities) arising from: 

• Your use of or reliance on the Website or its content; 
• Errors, omissions, or inaccuracies in the Website’s content; 
• Unauthorised access, cyber-attacks, or data breaches beyond our control; 
• Interruptions, suspensions, or terminations of the Website; 
• Third-party services or websites linked to the Website. 

7.3. Consumer Guarantees: Nothing in these Terms excludes or limits rights under the Competition and Consumer Act 2010 (Cth) (Australia) and the Commerce Act 1986 and the Fair Trading Act 1986 (New Zealand). If the ACL applies, our liability for breach of a consumer guarantee is limited, at our option, to resupplying the service or paying the cost of resupply, unless the breach constitutes a major failure. 

7.4. Indemnity: You agree to indemnify and hold harmless Bridgewest Finance and its affiliates from any claims, losses, liabilities, or expenses (including legal fees) arising from your breach of these Terms, misuse of the Website, or violation of applicable laws. 

8. Governing Law and Jurisdiction 

8.1. Applicable Law: These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. 

8.2. Jurisdiction: You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals from those courts for any disputes arising from these Terms or your use of the Website. 

9. Complaints and Dispute Resolution 

9.1. No AFCA Membership: Bridgewest Finance is not a member of the Australian Financial Complaints Authority (AFCA) and is not required to participate in its dispute resolution scheme as a non-bank commercial lender. 

9.2. Internal Dispute Resolution: For complaints or disputes, contact us at: 

▪ For Australia complaints: bridgewestfinanceau@bridgewestgroup.com   
▪ For New Zealand complaints: finance@bridgewestfinance.nz  

We will acknowledge complaints within 72 hours and aim to resolve them within 21 business days. 

9.3. Escalation: If you are not satisfied with our response, or if you believe your complaint has not been resolved appropriately, you may refer your complaint to: 

Australia 

Office of the Australian Information Commissioner (OAIC) 
Website: https://www.oaic.gov.au 
Phone: 1300 363 992 

 
New Zealand 

Financial Services Complaints Ltd (FSCL) 

Website: https://www.fscl.org.nz  

Phone: 0800 347 257 

Email: complaints@fscl.org.nz  
 

Office of the Privacy Commissioner (NZ) 

Website: https://www.privacy.org.nz  
Phone: 0800 803 909 
Email: enquiries@privacy.org.nz  
 

10. Changes to These Terms 

10.1. Updates: Bridgewest Finance may amend these Terms at any time by publishing an updated version on the Website. Material changes may be notified via email or Website banners. 

10.2. Continued Use: Your continued use of the Website after changes constitutes acceptance of the revised Terms. You are responsible for regularly reviewing the Terms at www.bridgewestfinance.com 

11. General Provisions 

11.1. Severability: If any provision of these Terms is invalid or unenforceable, it will be severed, and the remaining provisions will remain in effect. 

11.2. No Waiver: Failure by Bridgewest Finance to enforce any right or provision does not constitute a waiver of that right or provision. 

11.3. Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Bridgewest Finance regarding Website use, superseding any prior agreements. 

11.4. No Partnership: Your use of the Website does not create a partnership, joint venture, or agency relationship with Bridgewest Finance. 

11.5. Contact: If you have any questions about this Privacy Policy, you may contact us at www.bridgewestfinance.com/contact-us 

Bridgewest Finance Management Australia Pty Ltd 
ACN: 685 993 257 

Bridgewest Finance NZ Limited Partnership 
NZBN: 9429050041053 
 
www.bridgewestfinance.com