1. Welcome
These terms cover your use of whitealpaca.com.au and anything you send us through it. By using the site, you agree to them. If you don't agree, please don't use the site.
"We", "us" and "our" means White Alpaca Pty Ltd (ABN 69 647 253 272), trading as White Alpaca Finance.
2. Who we are
We are a mortgage and finance broker based in Oran Park, NSW, helping clients across Australia. We help with home loans, investment loans, refinancing, commercial and business finance, asset finance and private lending.
We arrange credit as an authorised credit representative (Credit Representative No. 561038) of Loan Market Group Pty Ltd, Australian Credit Licence 517192. We are a member of the Finance Brokers Association of Australia (FBAA membership M-357632) and the Australian Financial Complaints Authority (AFCA membership 123863).
Before we give you credit assistance, we'll give you our Credit Guide. It explains how we work, how we're paid, and how to make a complaint.
3. The website is general information only
Everything on this site is general information. That includes articles, guides, examples, rates and calculators. It doesn't take into account your goals, finances or needs.
It is not credit assistance, financial advice, tax advice or legal advice. Nothing on the site is an offer of credit or a promise that a lender will approve a loan.
Every lender has its own credit criteria, fees and terms, and these change often. Before you act on anything you read here, please talk to us about your own situation. Your accountant, financial adviser or solicitor can help too.
4. Calculators
Our calculators give rough estimates only. The results depend on the numbers you put in and on assumptions that may not match your loan.
They are not a quote, a pre-approval or a guide to what a lender will offer. Your actual borrowing power, repayments and costs may be different.
5. How we're paid
In most cases our service costs you nothing. When a loan settles, the lender usually pays us a commission, and may pay an ongoing commission while the loan runs.
If a fee applies to you, for example for some private or commercial loans, we'll tell you in writing before you agree to anything.
The exact amounts are set out in our Credit Guide and the quote or disclosure we give you. Commission never decides which options we put in front of you. We present options based on what suits you.
6. Sending us your details
When you use a form on our site, such as Submit Your Scenario or a callback request, please give accurate information. We use what you send to get back to you and understand your situation.
Sending a form doesn't make you a client and doesn't start a loan application. We'll follow up and talk it through with you first.
Please don't upload documents through the website unless we ask you to. We'll give you a secure way to send them.
7. Using the site fairly
You're welcome to read, print and share pages for your own personal use. Please don't:
- use the site for anything unlawful, misleading or harmful
- pretend to be someone else, or send us someone else's details without their OK
- try to hack, overload or disrupt the site, or upload viruses or harmful code
- copy or scrape the site's content in bulk, including with bots or automated tools.
We may limit or block access to anyone who breaks these rules.
8. Our content
The words, design, logo, graphics and other material on this site belong to White Alpaca Finance or the people who licensed them to us. They are protected by copyright and trade mark law.
You can share a link to any page. To reuse our content in any other way, please ask us first in writing.
9. Links to other websites
We sometimes link to other websites, such as lenders, government sites or calculators. We don't control them, and a link doesn't mean we endorse them. Their own terms and privacy policies apply.
10. Our responsibility to you
We work hard to keep the site accurate and running, but we can't promise it will always be complete, up to date or free of errors or interruptions.
As far as the law allows, we aren't liable for any loss that comes from:
- relying on general information or calculator results on the site
- the site being unavailable, slow or affected by a technical problem
- other websites we link to.
Nothing in these terms takes away rights you have under the Australian Consumer Law or other laws that can't be excluded. Where the law lets us limit our liability, we limit it to supplying the service again or paying the cost of doing so.
11. Your privacy
Our Privacy Policy explains how we collect, use and protect your personal and credit information. It forms part of these terms.
12. Changes to these terms
We may update these terms from time to time. The latest version will always be on this page with the date it was last updated. If you keep using the site after a change, the updated terms apply.
13. Which law applies
These terms are governed by the law of New South Wales, Australia. Any dispute about them will be heard in the courts of New South Wales.
If any part of these terms can't be enforced, the rest still applies.
14. Questions and complaints
Got a question, or not happy with something? Please talk to us first. We'll acknowledge a complaint within 7 days and aim to sort it out within 30 days.
If we can't resolve it, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent service. Our AFCA membership number is 123863. Visit afca.org.au, email info@afca.org.au or call 1800 931 678.
White Alpaca Finance
- Phone: 0410 433 893
- Email: admin@whitealpaca.com.au
- Office: 50a Richards Loop, Oran Park NSW 2570