Terms of Service

These Terms of Service ("Terms") govern your use of the Kreddi website (https://kreddi.finance) and the credit assistance services provided by NIK Finance Pty Ltd (ABN XX XXX XXX XXX, ACL 384704) ("Kreddi", "we", "us", "our").

By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Our Services

Kreddi is a credit assistance provider and finance broker. We:

• Provide credit assistance by suggesting suitable credit products from our panel of 100+ lenders
• Assist you with credit applications and liaising with lenders
• Act as an intermediary between you and lenders
• Do not provide legal, tax, or financial planning advice
• Do not guarantee loan approval or specific interest rates

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of Australia
• Provide accurate and complete information in your application
• Have the legal capacity to enter into a credit contract

3. Our Fees

Kreddi charges $0 in broker fees to customers. We receive commissions from lenders when we successfully arrange finance. These commissions do not affect the interest rate or terms you receive. For full details on our remuneration, please refer to our Credit Guide.

4. Your Obligations

When using our services, you agree to:

• Provide truthful, accurate, and complete information
• Update us if your circumstances change during the application process
• Not provide false or misleading information
• Respond to requests for additional information in a timely manner
• Read and understand all loan documents before signing
• Comply with all applicable laws and regulations

5. Credit Checks and Reporting

By submitting an application, you authorise Kreddi and our panel of lenders to:

• Obtain your credit report from credit reporting bodies (Equifax, Experian, Illion)
• Disclose your credit information to lenders for assessment purposes
• Exchange information with credit providers about your credit history
• Report information about your credit applications and conduct to credit reporting bodies

Multiple credit enquiries can affect your credit score. We submit your application to multiple lenders on your behalf to minimise the impact.

6. No Guarantee of Approval

While we work hard to find you the best finance option, we cannot guarantee that:

• Your application will be approved
• You will receive a specific interest rate or loan terms
• Approval will be granted within a specific timeframe

Final approval is at the discretion of the lender and subject to their credit criteria.

7. Responsible Lending

We are committed to responsible lending practices. We will:

• Make reasonable enquiries about your financial situation
• Take reasonable steps to verify your information
• Assess whether the credit product is suitable for your needs
• Provide you with a preliminary assessment before submitting your application
• Not pressure you into accepting unsuitable credit

8. Website Use

When using our website, you agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with or disrupt the website or servers
• Upload viruses, malware, or harmful code
• Scrape, harvest, or collect user information without permission
• Impersonate another person or entity

9. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of NIK Finance Pty Ltd or its licensors and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

10. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted, secure, or error-free
• Information on the website is accurate, complete, or current
• Defects will be corrected

To the extent permitted by law, we exclude all warranties and conditions.

11. Limitation of Liability

To the maximum extent permitted by law, Kreddi and its directors, employees, and agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website, including but not limited to loss of profits, data, or business opportunities.

Nothing in these Terms excludes, restricts, or modifies any consumer rights or remedies that cannot be excluded under Australian Consumer Law.

12. Complaints and Disputes

If you have a complaint about our services, please contact us at info@kreddi.finance or call 1300 573 334. We will investigate your complaint and respond within 30 days.

If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA):

13. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on our website with a revised "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales.

15. Contact Us

If you have questions about these Terms, contact us: