Last updated: 13/11/2025
Welcome to Borrow Wise (“we”, “our”, “us”). By accessing or using our website and services, you agree to the following Terms & Conditions, Privacy Policy and Complaints & Dispute Resolution provisions. If you do not agree, please discontinue use of our website.
Borrow Wise operates as a Credit Representative (ACR 543473) of:
Finsure Finance and Insurance Pty Ltd
ABN 72 068 153 926
Australian Credit Licence 384704
1. Terms & Conditions
1.1 General Information Only
All content on this website—including articles, tools, calculators and guidance—is general in nature and does not take into account your personal financial situation, objectives or needs.
Nothing on this site constitutes financial, credit or taxation advice.
You should consider seeking personalised advice before acting on any information provided.
1.2 No Guarantee of Loan Approval
Using this website, submitting an enquiry, or communicating with Borrow Wise does not guarantee:
- Loan approval
- Pre-approval
- Borrowing capacity outcomes
- Interest rate offers
- Lender acceptance
Final lending decisions are made solely by credit providers according to their policies and credit assessment criteria.
1.3 Accuracy & Currency of Information
We take reasonable care to ensure information on this website is accurate at the time of publication. However, lending policies, interest rates and credit laws frequently change.
We make no guarantee that:
- Website content is complete
- Website content is up-to-date
- Third-party information remains accurate
You should always verify information with SageWlth or your lender before acting.
1.4 Third-Party Websites & External Links
Our website may contain links to external third-party websites. These are provided for convenience only. We do not endorse, approve or control external content and are not responsible for:
- Accuracy
- Security
- Privacy practices
- Damage or loss caused by reliance on external content
1.5 Intellectual Property
Unless otherwise stated, all content on this site is the intellectual property of Borrow Wise.
You must not reproduce, modify, publish, distribute or use any part of this website without our written consent.
1.6 Limitation of Liability
To the maximum extent permitted by law, Borrow Wise is not liable for:
- Loss, damage or costs resulting from website use
- Errors or omissions
- Decisions made based on website content
- Technical issues, outages or security breaches
- Third-party actions or failures
Use of this website is at your own risk.
1.7 Governing Law
These Terms are governed by the laws of Australia.
Any disputes will be handled through Australian courts or approved external dispute resolution schemes (AFCA).
2. Privacy Policy
Borrow Wise respects your privacy and handles your personal information in accordance with the Privacy Act 1988 and the Australian Privacy Principles (APPs).
2.1 What Personal Information We Collect
We may collect information including:
Identity details
- Name
- DOB
- Contact details
- Identification documents
Financial & credit information
- Income and employment details
- Expenses and liabilities
- Bank statements and credit card limits
- Credit reports
- Tax returns (for self-employed clients)
- Loan history and property information
Sensitive information
We avoid collecting sensitive information unless absolutely required and only with your explicit consent.
2.2 How We Collect Your Information
We may collect information through:
- Online forms and enquiries
- Phone calls, emails and meetings
- Documents you provide
- Bank statement retrieval tools
- Credit reporting bodies
- Third-party providers (valuers, employers, accountants)
- Finsure’s CRM systems
2.3 Why We Collect Your Information
We collect personal information to:
- Provide mortgage broking and credit assistance
- Assess borrowing capacity and recommend suitable loans
- Verify your identity as required under law
- Submit and manage loan applications
- Comply with NCCP and credit licensing obligations
- Provide ongoing client service after settlement
Without the required information, we may be unable to provide credit assistance.
2.4 How We Protect Your Information
We store information securely using:
- Encrypted and password-protected systems
- Secure cloud platforms
- Finsure-approved CRM systems
- Restricted staff access
- Regular compliance oversight
We retain information as required under Australian credit law.
2.5 When We May Share Your Information
Your information may be shared with:
- Finsure Finance and Insurance Pty Ltd
- Banks and lenders
- Credit reporting bodies
- Property valuers
- Solicitors, conveyancers and insurers
- Accountants (with consent)
- Third-party service providers assisting with your loan
We do not sell personal information.
2.6 Marketing Communications
With your consent, we may send:
- Educational updates
- Home loan reviews
- Market insights
You may opt out anytime.
2.7 Access & Correction Rights
You may request:
- Access to the personal information we hold about you
- Correction of inaccurate or incomplete information
Requests will be handled within a reasonable timeframe.
2.8 Cookies & Website Tracking
Our website uses cookies and analytics tools to:
- Improve user experience
- Track website performance
- Analyse user behaviour
You may disable cookies in your browser; however, some features may not function properly.
3. Complaints & Dispute Resolution (AFCA Compliant)
We aim to deliver exceptional service. If you have concerns or are dissatisfied with any aspect of our service, please contact us so we can resolve the issue promptly.
3.1 How to Make a Complaint
- Your name and contact details
- Details of your complaint
- Any supporting documents
3.2 Internal Dispute Resolution (IDR)
Once received:
- We will review your complaint impartially.
- We may request additional information.
- We will attempt to resolve the matter promptly.
- You will receive a written response outlining the outcome, including your right to escalate.
We aim to resolve complaints:
- Within 21 days, or
- Up to 45 days for complex cases (as allowed under ASIC RG271).
If responsibility lies with Finsure, we may refer your complaint to their Compliance Team.
3.3 External Dispute Resolution – AFCA
If you are not satisfied with our response, or we do not resolve your complaint within required timeframes, you may contact:
Australian Financial Complaints Authority (AFCA)
Website: https://www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Mail:
GPO Box 3
Melbourne VIC 3001
AFCA provides fair, independent and free dispute resolution.
3.4 Privacy & Complaints
Any information you provide during the complaints process will be treated in line with our Privacy Policy.