1. Acceptance of Terms

By accessing or using the Altura Funding website (alturafunding.com.au) (the Website), you agree to be bound by these Terms and Conditions (Terms). If you do not agree to these Terms, you must not use the Website.

 

These Terms apply to all visitors, borrowers, referral partners, and any other persons who access or use the Website. They should be read in conjunction with our Privacy Policy, which is incorporated into these Terms by reference.

 

Altura Funding (ABN 79 050 967 809), operating under Australian Credit Licence 364 295 as part of AAA Financial Group, reserves the right to amend these Terms at any time. Continued use of the Website following any amendment constitutes acceptance of the revised Terms.

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2. Nature of the Website

The Website is an information and engagement platform for Altura Funding's private credit and non-bank lending services. It is intended for use by:

• Sophisticated borrowers including property developers, SME owners, and high-net-worth individuals

• Professional referral partners including mortgage brokers, accountants, and financial advisers

 

The Website is not intended for, and should not be accessed by, retail borrowers seeking general consumer credit advice or comparison services.

 

Nothing on this Website constitutes a credit offer, credit approval, or binding commitment to lend. All lending decisions are made subject to Altura Funding's internal credit assessment processes, applicable lending criteria, and regulatory requirements.

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3. No Financial or Credit Advice

The information published on this Website is general in nature and does not constitute financial product advice, credit advice, legal advice, or any other professional advice.

 

Altura Funding is not a financial planner and does not hold an Australian Financial Services Licence (AFSL). Nothing on this Website should be relied upon as a substitute for independent professional advice tailored to your specific circumstances.

 

Before making any financial or investment decision, you should consult a qualified and licensed professional. Altura Funding expressly disclaims any liability arising from reliance on general information published on this Website.

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4. Scenario Desk and Enquiry Submissions

The Website provides a Scenario Desk feature through which borrowers and referral partners may submit deal scenarios for preliminary assessment. By submitting a scenario, you acknowledge and agree that:

• Submission does not constitute a formal credit application or guarantee of any outcome

• Altura Funding will assess the scenario against its internal criteria and may decline to proceed without providing detailed reasons

• Any indicative terms, structures, or feedback provided following submission are not binding and are subject to full credit assessment, due diligence, and documentation

• Information submitted via the Scenario Desk may be retained and used in accordance with our Privacy Policy

• You have the authority to submit any information provided, including where submitting on behalf of a client as an accredited introducer

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5. Referral Partners and Introducer Accreditation

Access to the Introducer Portal and certain resources on the Website is restricted to accredited referral partners. Accreditation is subject to Altura Funding's approval at its absolute discretion.

 

By applying for accreditation or operating as a referral partner, you represent and warrant that:

• You hold all required licences, registrations, and memberships (including MFAA, FBAA, or AFCA membership as applicable)

• You will comply with all applicable laws and industry codes, including the National Consumer Credit Protection Act 2009 and any best interest duty obligations applicable to your licence

• You will not submit scenarios on behalf of clients without their knowledge and consent

• You will not misrepresent Altura Funding's products, services, or indicative terms to clients

 

Altura Funding reserves the right to suspend or revoke accreditation at any time without notice if a referral partner breaches these obligations or acts in a manner inconsistent with Altura Funding's standards.

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6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, brand marks, layout, and design, is the property of Altura Funding or its licensors and is protected by Australian and international intellectual property laws.

 

You may not reproduce, distribute, modify, transmit, or republish any content from this Website without the prior written consent of Altura Funding. Limited reproduction for personal, non-commercial reference is permitted provided that attribution to Altura Funding is clearly stated.

 

The Altura Funding name, logo, and tagline "Smarter capital, when it matters" are proprietary brand assets and may not be used without written authorisation.

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7. Third-Party Links and Services

This Website may contain links to third-party websites, platforms, or resources including lender portals, regulatory bodies, and industry associations. These links are provided for convenience only.

 

Altura Funding does not endorse, control, or accept responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party links is at your own risk, and you should review the terms and privacy policies of any external site you visit.

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8. Limitation of Liability

To the maximum extent permitted by law, Altura Funding and its officers, employees, and related entities will not be liable for any loss or damage of any kind arising from:

• Your use of, or inability to use, this Website

• Reliance on any information published on this Website

• Unauthorised access to or alteration of your data or transmissions

• Any interruption, suspension, or termination of the Website or its services

• Errors, omissions, or inaccuracies in the content of this Website

 

Where liability cannot be excluded by law, Altura Funding's liability is limited to the fullest extent permitted under applicable Australian consumer protection legislation, including the Australian Consumer Law where applicable.

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9. Accuracy of Website Content

Altura Funding takes reasonable care to ensure the accuracy of information published on this Website. However, we do not warrant that content is complete, current, or free from error. Lending products, structures, credit parameters, and eligibility criteria are subject to change without notice.

 

You are responsible for verifying the currency and accuracy of any information before relying on it for decision-making purposes. Where you require confirmed product details or indicative terms, you should engage directly with the Altura Funding credit team.

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10. Website Availability

Altura Funding does not guarantee that the Website will be available at all times or free from technical errors. The Website may be temporarily unavailable due to maintenance, system upgrades, or circumstances beyond our control.

 

We reserve the right to suspend, modify, or discontinue any part of the Website at any time without notice.

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11. Acceptable Use

You agree not to use the Website in any manner that:

• Is unlawful, fraudulent, or in breach of any applicable regulation

• Involves the submission of false, misleading, or incomplete information

• Interferes with or disrupts the Website's functionality, servers, or networks

• Involves scraping, crawling, or automated extraction of Website content

• Infringes the intellectual property rights of Altura Funding or any third party

• Involves impersonating another person or entity, or misrepresenting your identity or authority

 

Altura Funding reserves the right to restrict or terminate access to the Website for any user who breaches these conditions.

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12. Privacy

The collection, use, and disclosure of personal information obtained through this Website is governed by our Privacy Policy, available at alturafunding.com.au/privacy. By using this Website, you consent to the handling of your personal information as described in that policy.

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13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of New South Wales and the Federal Court of Australia in connection with any dispute arising under or in relation to these Terms.

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14. Complaints and Enquiries

If you have a complaint or concern regarding the Website or Altura Funding's conduct, please contact us in the first instance at:

 

Email: info@alturafunding.com.au

Post: Altura Funding, Level 1, 50 York Street, Sydney NSW 2000

 

Where a complaint relates to credit activities conducted under our Australian Credit Licence, you may also contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au if your concern is not resolved to your satisfaction.

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15. Severability

If any provision of these Terms is found to be invalid, unenforceable, or inconsistent with applicable law, that provision will be severed or modified to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

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16. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms applicable to specific products or services, constitute the entire agreement between you and Altura Funding with respect to your use of this Website. They supersede all prior representations, communications, or agreements relating to the same subject matter.