Terms & Conditions
1. About These Terms
1.1. These Terms and Conditions ("Terms") govern your use of this website located at solacewealth.au ("the Website") and any services offered by or through it ("the Services").
1.2. The Website and Services are operated by Solace Wealth (ABN 30 624 255 134) ("the Company", "we", "us", "our").
1.3. By accessing, browsing, or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Website immediately.
1.4. We may update these Terms at any time by publishing a revised version on this page. Continued use of the Website after changes are published constitutes your acceptance of the updated Terms.
2. Nature of Our Service
2.1. Solace Wealth provides mortgage broking and finance broking services, including but not limited to assistance with home loans, investment property loans, commercial property finance, refinancing, asset and equipment finance, and personal loans.
2.2. As mortgage brokers, we compare loan products from a panel of lenders and provide credit assistance to help you find a loan suited to your circumstances. We are not a lender, and we do not provide the finance ourselves.
2.3. Our services to you as a client are provided at no direct cost. We are typically paid a commission by the lender once a loan settles, and this may include an upfront commission and, in some cases, an ongoing trail commission. Details of any commission or fee arrangement will be disclosed to you in writing before you proceed with any credit assistance, in line with our obligations under the National Consumer Credit Protection Act 2009 (Cth) and our Credit Guide.
2.4. Information provided on this Website, including any calculators, rates, or examples, is general in nature and for illustrative purposes only. It does not take into account your personal financial situation, objectives, or needs, and should not be relied upon as personal financial or credit advice. You should not rely on the Website as a substitute for a formal conversation with us or independent professional advice.
2.5. Any interest rates, loan products, or lender information displayed on the Website are indicative only and subject to change without notice. Always confirm current rates and product details directly with us or the relevant lender.
3. Eligibility and Use of the Website
3.1. This Website and our Services are intended for use by individuals residing in Australia.
3.2. By using this Website or submitting an enquiry, you confirm that:
(a) you are at least 18 years of age;
(b) you are legally able to enter into a binding agreement; and
(c) all information you provide to us is true, accurate, and current.
3.3. You agree not to use the Website for any unlawful purpose, or in a way that could damage, disable, or impair the Website or interfere with any other party's use of it, including through data scraping, automated data collection, or unauthorised access attempts.
4. Information We Collect
4.1. We collect personal information to provide our brokering services to you and to operate this Website effectively. This may include information collected:
(a) directly from you, when you complete a contact form, enquiry form, or consultation request on the Website;
(b) through phone, email, or in-person conversations as part of assessing your loan or finance needs;
(c) automatically, through cookies and similar tracking technologies when you browse the Website (see Section 6 below); and
(d) from third parties, such as lenders, credit reporting bodies, referral partners, or your accountant or financial adviser, where relevant and with your consent where required.
4.2. The types of personal information we may collect include:
(a) your name, contact details (email, phone, address), and date of birth;
(b) financial information, including income, expenses, assets, liabilities, and employment details;
(c) details about the property or asset you are financing;
(d) information relevant to assessing your borrowing capacity and loan suitability; and
(e) technical information collected via cookies, such as browser type, device information, and website usage data.
4.3. We only collect sensitive information (as defined under the Privacy Act 1988 (Cth)) where necessary and with your consent, or where otherwise permitted by law.
5. How We Use and Disclose Your Information
5.1. We use the personal information we collect to:
(a) provide credit assistance and mortgage broking services, including assessing your needs and comparing loan options;
(b) communicate with you about your enquiry, application, or existing loan;
(c) submit applications to lenders on your behalf, with your consent;
(d) comply with our legal and regulatory obligations, including under the National Consumer Credit Protection Act 2009 (Cth) and Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
(e) improve the Website and our services; and
(f) send you relevant updates or marketing communications, where you have consented to receive them (you can opt out at any time).
5.2. We may disclose your personal information to:
(a) lenders and financiers, to submit and process your loan application;
(b) credit reporting bodies, where relevant to assessing your application;
(c) service providers who assist us in operating our business (such as IT providers, CRM platforms, or website hosting providers);
(d) government or regulatory bodies, where required by law; and
(e) other third parties with your consent.
5.3. We do not sell your personal information to third parties.
5.4. Where we disclose your information to overseas recipients (for example, cloud-based software providers), we take reasonable steps to ensure that information is handled in accordance with the Australian Privacy Principles.
5.5. Full details of how we handle your personal information are set out in our Privacy Policy, which forms part of these Terms.
6. Cookies and Website Tracking
6.1. This Website uses cookies and similar technologies to improve your browsing experience, understand how visitors use the Website, and, where applicable, measure the effectiveness of our marketing.
6.2. Cookies may collect information such as your IP address, browser type, pages visited, and time spent on the Website. This information does not usually identify you personally, but may be combined with other information you provide to us.
6.3. You can control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of the Website.
6.4. By continuing to use this Website, you consent to our use of cookies as described in this section and in our Privacy Policy.
7. Your Obligations
You agree to:
(a) provide accurate, complete, and up-to-date information when submitting enquiries or applications;
(b) notify us promptly of any change to your circumstances that may affect a loan application or existing facility;
(c) use the Website only for personal, non-commercial purposes; and
(d) not misrepresent your identity or circumstances when engaging with us.
8. Intellectual Property
8.1. All content on this Website, including text, graphics, logos, and design, is owned by or licensed to the Company and is protected by Australian copyright and intellectual property law.
8.2. You may view and print pages from the Website for personal, non-commercial use only. You must not reproduce, distribute, or republish any content from this Website without our prior written consent.
9. Third-Party Links
The Website may contain links to third-party websites, including lender websites, for your convenience. We do not control and are not responsible for the content, accuracy, or privacy practices of any third-party website. Accessing linked websites is at your own risk.
10. Disclaimer
10.1. Nothing in these Terms limits or excludes any rights or guarantees you have under the Australian Consumer Law or the National Consumer Credit Protection Act 2009 (Cth), which cannot be excluded by agreement.
10.2. Subject to clause 10.1, and to the extent permitted by law, the Website and its content are provided "as is" without warranties of any kind. We do not guarantee that the Website will be uninterrupted, error-free, or that any loan product information is current or complete at all times.
10.3. We are not liable for any loss or damage arising from your use of, or reliance on, the Website or its content, except where such liability cannot be excluded by law.
10.4. Any credit assistance we provide will be accompanied by the appropriate disclosure documents, including our Credit Guide, Credit Proposal Disclosure, and Privacy Consent, as required under Australian credit law.
11. Limitation of Liability
To the extent permitted by law, our liability for any claim arising from these Terms or your use of the Website is limited to the resupply of the relevant service, and we exclude liability for any indirect, incidental, or consequential loss.
12. Termination
We reserve the right to restrict or terminate your access to the Website at any time, without notice, if we reasonably believe you have breached these Terms or engaged in unlawful conduct.
13. Complaints
13.1. If you have a complaint about our services, please contact us directly so we can work to resolve it.
13.2. If your complaint is not resolved to your satisfaction, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme, free of charge. AFCA can be contacted at:
Website: www.afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001
14. Governing Law
These Terms are governed by the laws of Queensland, Australia. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of Queensland.
15. Severability
If any part of these Terms is found to be invalid or unenforceable, that part will be severed, and the remainder of the Terms will continue in full force and effect.
16. Contact Us
If you have any questions about these Terms, please contact us via the details on our Contact page.
Footer disclosure line
Solace Wealth. ABN 30 624 255 134. Information on this website is general in nature and does not constitute credit advice. Should you engage a Solace Wealth broker, credit assistance may then be provided, at which point relevant disclosure documents will be provided to you. Use of this site is subject to our Terms & Conditions and Privacy Policy.
© 2026 Solace Wealth. All Rights Reserved.