Terms & conditions

Using this website

This website is provided by Vocare Capital for general information and initial enquiries about home loans. By using the website or submitting an enquiry, you agree to these website terms. If you do not agree, do not submit information through the enquiry form.

General information

Website information does not take your individual circumstances, objectives or financial position into account. It is not a loan offer, a credit approval, a commitment to provide credit or a substitute for advice about your circumstances.

Loan options depend on the relevant lender’s criteria and assessment. Consider current costs, features, eligibility and conditions before making a decision. A profession label on this website does not establish eligibility for any particular loan or lender policy.

Rates, cashback and examples

Any rate example is identified by loan type and should be read with its comparison rate, assumptions and warning. The personal-loan example on this website is not a home-loan rate or a personalised quote. Examples are for understanding costs; they do not establish an available offer.

The cashback example is subject to eligibility and lender conditions. Confirm availability, loan amount, loan-to-value ratio, relevant dates and other terms before relying on an incentive. Fees, interest and switching costs can outweigh an upfront payment.

Rates, fees and lender policies can change. Ask for the current product information, comparison-rate assumptions and terms applicable to your circumstances before proceeding. Terms and conditions apply to credit products.

Enquiries and contact

Submitting the enquiry form asks Vocare Capital to contact you about your enquiry. It does not apply for a loan, engage us under a credit-assistance agreement or create an obligation to proceed. Any further services, fees, information requirements and applicable disclosures will be discussed separately.

Provide accurate contact information and only information you are entitled to share. Do not upload or include identity documents, account details or sensitive financial documents in this initial enquiry.

Privacy and third-party services

How website enquiries are handled is explained in our Privacy policy. The form is hosted by Tally. External websites and services have their own terms and privacy practices; links are included for convenience and information.

We do not control the availability or content of third-party websites. Check their information before relying on it or providing them with personal information.

Permitted use and intellectual property

You may browse the website and use its information for your personal consideration of home-loan options. Do not interfere with the website, misuse the form, attempt unauthorised access or submit unlawful material.

Website branding, text, artwork and other materials are protected by intellectual-property rights. Do not reproduce or use them commercially without permission from the relevant rights holder.

Accuracy, availability and your rights

We take reasonable care with website information, but it may change and may not cover every circumstance. We do not promise uninterrupted availability. Contact us if you notice an error or need clarification.

Nothing in these terms excludes, restricts or modifies a right or remedy under the Australian Consumer Law or another law that cannot lawfully be excluded, restricted or modified.

Changes and applicable law

We may update website content and these terms. The update date identifies the current version. These website terms are governed by the laws applying in South Australia, subject to any non-excludable rights you have under other applicable laws.

Contact

Use our enquiry form to contact Vocare Capital about this website, or write to: