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Terms and Conditions – Monster Group

ABOUT

Thank you for visiting our website. This website is owned and operated by The Monster Group. In this document, “we”, “us”, “our” and “The Monster Group” refers jointly and severally to (and this policy applies to), the following Monster Group businesses:

  • Tax Monster
  • Finance Monster
  • Electricity Monster
  • Solar Broker

WEBSITE CONTENT

Our website contains a range of information about The Monster Group and its associated entities. We endeavour to ensure that the information on this website is accurate. In the event you believe we have made a mistake please contact us.

To the extent permitted by law we do not warrant as to the accuracy, adequacy of, or completeness of, any information contained on this website and exclude liability for purchase decisions made on the basis of information included or excluded from this website.

The Monster Group retains full and complete title to the material on this website, any images incorporated in, or generated by, the software and full data accompanying it.

All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and the Monster Group has not verified the information, which may not be complete or accurate for your purposes. Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.

You should be aware that our website contains statements with respect to the terms of the products of relevant providers (including but not limited to features and inclusions in their service offering). Please note that these statements are generalised in order to provide to the customer a summary of the specific products being compared. As a consequence, you will note that not all products are the same and you should confirm the exact terms of any product with the specific energy provider prior to purchase.

USE OF YOUR INFORMATION

You acknowledge and agree that The Monster Group may use your personal information in accordance with our Privacy Policy

Use of this website is for your personal and non-commercial use only. Except for the material held in your computer’s cache or a single permanent copy of the material for your personal use, you must not:

  • Modify, copy, distribute, transmit, display, perform, reproduce, publish, licence, reverse engineer, decompile, disassemble or convert any material on this website or knowingly or negligently allow any of the preceding acts to be done to any material on this website by any means on in any form without The Monster Group’s prior written consent;
  • Use or attempt to use any material published on this website to create any website or publication;
  • Mirror or frame any website or page within this website;
  • Use any automated process of any sort to query, access or copy any material on this website or generate or compile any document or database based on the material published on this website; or
  • Transfer or sell any information, functionality or products or services offered on this website without the written approval of The Monster Group.

By utilising this website you acknowledge and agree that Electricity Monster (or the Monster Group) may use your personal information in accordance with the Finance Monster Privacy Policy.

LIMITIATON OF LIABILITY

To the extent permitted by law, neither The Monster Group, nor any other company in The Monster Group of companies (including all related bodies corporate), will be liable for any loss or damage from any cause (including negligence) to your site and system, or to people linking to us from your site(s), caused by or in connection with your link to The Monster Group’s site. If you create a link to The Monster Group’s site, you remain fully responsible for any consequences of that link, whether direct or indirect and you will protect The Monster Group against all loss, damage, liability, cost or expense arising from or in connection with the link.

You acknowledge and agree that Finance Monster may pass on your personal information detailed above and in our Privacy Policy in accordance with the Terms and Conditions specified herein.

INDEMNITY

You agree to indemnify The Monster Group and keep it indemnified against all actions, claims, costs, demands, damages or liability arising in any manner from a breach by you of the terms of this Agreement.

DISCLOSURE OF COMMISSION/FEES

At The Monster Group we endeavour to keep our customers informed as to our specific business model and how we operate. It is our moral duty to disclose to the customer that we receive payment of commissions from participating third parties for services and products sold and referred to on this website. Finance Lenders have different commissions, if you would like to know more about these, please ask your Finance Monster Mortgage Broker for more information.

COMPARISON SERVICE

Finance Monster is a centralised comparison service. It does not, however, compare all finance offers from all banks & lenders. We do, however display the rates on our website that we have made available specifically selected by our team. Our lenders may have other offers available in the market that may be better than what we can offer.

The service is provided by a comparison of interest rates, comparison rates, LVR (loan to value ratio), Lenders fees.

The order of the home loan lenders provided on our website is displayed after a calculation is performed and is ranked from the cheapest lender interest rate and your LVR. The user can vary lenders displayed if special features are requested. Loan term is pre set at 25 years; this can be altered by the user and will change your results. Preliminary questions are designed to gather information to help us better understand your financial position. These products suggested are guide and a full comprehensive discussion about products should be performed with one of our licensed mortgage brokers.

Home Loan Products Information

We are able to offer you a comprehensive home loan product comparison from up to 12 home loan lenders. The comparison is designed to illustrate the range of options available to you and help you find a suitable home loan product and provider. We do not display a long list of banks as many banks offer the similar products; we have specially hand picked these 12 lenders to improve the user experience. We do have the ability to work with other banks, if requested.

Our participating lenders:

  • Adelaide Bank
  • AFG Home Loans
  • AMP
  • ANZ
  • Bank of Melbourne
  • Bank of Queensland
  • Bankwest
  • Circle Credit Union
  • Citibank
  • Commonwealth Bank
  • Heritage Bank
  • nabbroker

RP Data Reports

Finance Monster supplies 3rd party free reports from RP data, no liability is provided for any financial decision made by these reports. These reports provide market insight into the address you supply. However, we make it clear that these are estimates; they are not professional or accurate valuations.

AMENDMENTS TO THE T’S & C’S

The Monster Group reserves the right to change the terms of this Agreement and the logo from time to time and solely at its discretion. If possible, The Monster Group will endeavour to ensure clients and customers and informed of such changes.

INTELLECTUAL PROPERTY

All copyright subsisting under the Copyright Act 1968 (Cth) resides with The Monster Group. Apart from any fair dealing for the purposes of private study, research, criticism or review as permitted under the Copyright Act (Cth), no part may be reproduced, copied or transmitted in any form or by any means (electronic, mechanical or graphic) without the prior written consent of The Monster Group. Any copying for fair dealing that is permitted under the Copyright Act 1968 (Cth) must include a statement that the work is copyright owned by The Monster Group. You acknowledge that the material and artwork on this website is the subject of copyright. You must permit any act which infringes the copyright or remove or alter any proprietary notices in any way.

Special Terms and Conditions on the “Holiday Deal” provided by Finance Monster

  1. Any Client that engages Finance Monster for a home loan greater than $150,000.00 will be entitled to one (1) free holiday reward pursuant to the terms set out in this Agreement (“The Finance Monster Holiday Reward“).
  2. The Finance Monster Holiday Reward can only be utilised by the specific Client that engaged Finance Monster for the home loan.
  3. The Client will only be allowed to take one (1) accompanying person (the Accompanying Person) with them, on the strict basis that Finance Monster will not be liable for any additional costs that are incurred as a result of the allowance for the Accompanying Person, including (but not limited to) extra utilities, towels, beds or linen.
  4. The following limitations apply to The Finance Monster Holiday Reward:
    1. The Finance Monster Holiday Reward is limited to a maximum of a five (5) consecutive night stay.
    2. The Finance Monster Holiday Reward is subject to room availability at the nominated room providers.
    3. The Finance Monster Holiday Reward cannot be split into two stays and must be used once, and once only.
    4. Clients entitled to The Finance Monster Holiday Reward will stay in one of the following rooms:
      1. The 101 Bali Legian JI. Raya Legian no. 117 Bali – Indonesia;
      2. The Superior Room at Sawaddi Patang Resort Hotel (maximum 2 people); or
      3. Any other resort or hotel chosen by Finance Monster at its sole discretion.
    5. Finance Monster can change the identity and location of the room provider at any time, at its sole discretion, at any time prior to check-in, provided the accommodation provided has the same star rating, and is within 20 kilometres of the original accommodation provider.
  5. The Finance Monster Holiday Reward adopts all terms and conditions listed by the accommodation provider, and the Client agrees to be bound by same.
  6. The Finance Monster Holiday Reward is purely for accommodation and does not include flights to the country in which the hotel is situated, food, other travel costs or insurance.
  7. Finance Monster will only be responsible for booking the Finance Monster Holiday Reward for the Client and not any associated travel plans or itineraries outside of the scope of same.
  8. Once the booking is made, it cannot be altered, changed, switched, or transferred under any circumstances.
  9. The Client entitled to the Finance Monster Holiday Reward must utilise same within 90 days of settlement of the relevant refinance arranged by Finance Monster.
  10. The Clients acknowledge and agree that to the extent permitted by law, all terms, conditions, warranties or undertakings whether express or implied, statutory or otherwise, oral or written relating in any way relating to the Finance Monster Holiday Reward or to these terms and conditions, are excluded, including, without limitation, any warranties of merchantability or fitness for purpose.

Special Terms and Conditions of Finance Monster’s “Fuel” Offer

  1. Any Client that engages Finance Monster for a car loan greater than $20,000.00 (“The Loan”) will be entitled to a fuel card to the value of $75.00 subject to the terms set out within this Agreement (“The Finance Monster Fuel Reward“).
  2. The Finance Monster Fuel Reward will be sent to eligible clients within 30 days of the settlement of The Loan.
  3. Finance Monster reserves the right to alter the terms of the Finance Monster Fuel Reward at their absolute discretion.
  4. The Client acknowledges and agrees that to the extent permitted by law, all terms, conditions, warranties or undertakings whether express or implied, statutory or otherwise, oral or written relating in any way relating to the Finance Monster Fuel Reward or to these terms and conditions, are excluded, including, without limitation, any warranties of merchantability or fitness for purpose.

CONTACT FINANCE MONSTER

If you have any issues during your use of this website or any suggestions on how to make it better, please contact us on privacy@financemonster.com.au

Any Questions – Please Call 1300 829 666

*These are our loaning partners for Personal Loans.

FINANCE MONSTER - HOW WE CAN HELP?

Craig Costello
Home Loans / Mortgage Broker

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