Terms of Use

Last updated: June 2026

These Terms of Use govern your access to and use of the Smart Buyer Hub website (the "Site"). By using the Site, you agree to these terms. If you do not agree, please do not use the Site.

1. About us and our role

Smart Buyer Hub currently operates in a referral capacity. We provide general information and, with your consent, refer enquiries to licensed credit providers, credit assistance providers or aggregators. We do not provide credit assistance, credit advice or a credit service, and nothing on this Site is an offer of credit.

2. General information only

The content on this Site, including any calculators, guides and articles, is provided for general information and educational purposes only. It does not take into account your objectives, financial situation or needs, and is not financial, credit, tax or legal advice. You should obtain professional advice tailored to your circumstances before acting on any information on this Site.

3. Calculators and estimates

Any figures produced by calculators or estimators on this Site are indicative only, are based on the assumptions and inputs provided, and may not reflect actual lender criteria, rates, fees or your borrowing capacity. They do not constitute a quote, pre-approval or offer of finance. You should not rely on them as the sole basis for any financial decision or contract.

4. Interest rates

Any interest rates shown on the Site are indicative only and subject to change without notice. They are subject to lender serviceability and eligibility criteria and are not an offer of credit.

5. Intellectual property

Unless otherwise stated, all content on this Site (including text, graphics, logos and design) is owned by or licensed to Smart Buyer Hub and is protected by copyright and other laws. You may view and print content for your own personal, non-commercial use, but you must not reproduce, distribute or modify it without our prior written consent.

6. Third-party links

The Site may contain links to third-party websites. We provide these for convenience only and are not responsible for the content, products or services of those sites.

7. Disclaimer and limitation of liability

To the maximum extent permitted by law, the Site and its content are provided "as is" without warranties of any kind. We do not warrant that the Site will be uninterrupted, error-free or free of harmful components. To the extent permitted by law, Smart Buyer Hub excludes all liability for any loss or damage arising from your use of, or reliance on, the Site or its content. Nothing in these terms excludes rights you may have under the Australian Consumer Law that cannot be excluded.

8. Privacy

Our handling of personal information is described in our Privacy Policy, which forms part of these terms.

9. Changes to these terms

We may update these terms from time to time. The current version will always be published on this page with its "last updated" date. Your continued use of the Site means you accept the updated terms.

10. Governing law

These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state.

Contact us

Questions about these terms? Email ryan@smartbuyerhub.com.au or call 0415 353 927.