Terms of Use

Last updated: 18 June 2026

These terms apply to your use of this website, operated by NRG Financial Services (Australian Credit Licence 384496). By accessing or using the site, you agree to these terms. If you do not agree, please do not use the site.

1. General information only

The content on this website is general information only. It does not take into account your particular objectives, financial situation or needs, and it is not credit assistance, financial product advice, tax advice or a recommendation to enter into any loan or other arrangement. Before acting on anything here, consider whether it is appropriate for you and seek advice tailored to your circumstances.

Nothing on this site is an offer of credit, an offer to lend, or a guarantee that you will qualify for any loan. Any application is subject to a lender’s assessment and approval criteria.

2. Calculators and tools

Any calculators, estimates or tools on this website (including the savings and borrowing-power calculator) are provided for general illustration only. They use assumptions that may not reflect your situation and exclude fees, charges and any applicable comparison rate. Results are estimates, not quotes or offers of credit. Your actual position will depend on your full circumstances and a lender’s assessment.

3. Interest rates and product information

Any interest rates, products or features referred to on this site are indicative only, may change without notice, and are subject to lender approval and the lender’s current terms. Where a comparison rate applies, it will be disclosed in full at the time of any quote.

4. Acceptable use

You agree to use this website lawfully and not to:

• use it in a way that could damage, disable or impair the site or interfere with others’ use of it;
• attempt to gain unauthorised access to any part of the site or its systems; or
• copy, reproduce or republish material from the site except as permitted below.

5. Intellectual property

Unless otherwise indicated, the content, design, logos and trade marks on this website are owned by or licensed to NRG Financial Services and are protected by intellectual-property laws. You may view and print pages for your own personal, non-commercial use. You must not otherwise use, reproduce or distribute any content without our prior written consent.

6. Third-party links

This website may contain links to third-party websites (for example, lenders or government schemes). Those sites are not under our control. We provide the links for convenience only and are not responsible for their content, accuracy or privacy practices.

7. Availability and accuracy

We take care to ensure the information on this site is accurate and up to date, but we do not warrant that it is complete, current or error-free, and rates, products and schemes can change. We may change, suspend or withdraw any part of the site at any time without notice.

8. Liability

To the maximum extent permitted by law, NRG Financial Services is not liable for any loss or damage arising from your use of, or reliance on, this website or its content. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law or other law that cannot lawfully be excluded.

9. Privacy

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

10. Changes to these terms

We may update these terms from time to time. The current version will always be available on this website, and your continued use of the site means you accept the updated terms.

11. 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.

12. Contact us

NRG Financial Services
1 Tudor Street, Newcastle West NSW 2302, or 4 Burbank Place, Norwest NSW 2153
Phone: 1300 859 815 or 0417 263 912  ·  Email: office@nrgfinancialservices.com.au