Terms & Conditions

NJS Financial is a trading name of Four Pillars Finance Pty Ltd. We are a credit representative (Credit Representative Number 544417) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence Number 384704).

We provide mortgage broking and financial services including:

• Home loan and mortgage broking
• Residential and investment property finance
• Capital raising and equity release
• Development finance and consulting
• Cash flow forecasting
• Financial analysis and consulting
• Joint venture structuring

Our services are subject to responsible lending obligations under the National Consumer Credit Protection Act 2009.

Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that breaches applicable laws or regulations
• Use the website to transmit any harmful or malicious content
• Attempt to gain unauthorized access to our systems or data
• Reproduce, duplicate, or copy any material from our website without permission
• Use automated tools to scrape or extract data from our website

Calculators and Tools

The calculators and tools on our website are provided for general information and estimation purposes only. Results are not guaranteed and should not be relied upon as financial advice. Actual borrowing capacity and loan terms will depend on individual lender assessments.

When you provide information to us, you agree that:

• All information provided is accurate and complete
• You will notify us promptly of any changes to your circumstances
• You have the authority to provide any third-party information included
• False or misleading information may affect your loan application and could have legal consequences

General Information: The information on our website is general in nature and does not take into account your personal objectives, financial situation, or needs. It is not intended as financial advice.

No Guarantees: While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or timeliness of the information on our website.

Third-Party Products: We do not guarantee the approval of any loan application. Lending decisions are made by lenders based on their own credit criteria and policies.

Website Availability: We do not guarantee that our website will be available at all times or free from errors or viruses.

To the maximum extent permitted by law, NJS Financial and its directors, employees, and agents will not be liable for:

• Any loss or damage arising from your use of our website or services
• Any indirect, consequential, or special damages
• Any loss arising from circumstances beyond our reasonable control
• Any loss caused by third-party actions or decisions

All content on our website, including text, graphics, logos, images, and software, is owned by or licensed to NJS Financial and is protected by intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

We may update these Terms and Conditions from time to time. Changes will be effective when posted on our website. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated terms.

These Terms and Conditions are governed by the laws of New South Wales, Australia. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of New South Wales.

If you have any questions about these Terms and Conditions, please contact us: