These Terms of Service (the "Terms") govern your use of the website at https://www.ryroloancentre.com.au and the services we provide through it. The site is shared by two separate companies, RyRo Loan Centre and RyRo Asset Finance Pty. Ltd., and these Terms apply to both. By accessing the site you agree to these Terms. If you do not agree, please do not use the site.

1. Who we are

RyRo Loan Centre (ABN 52 149 977 202) is a Sydney-based mortgage broker. Our director, Sumit Joshi JP, is a Justice of the Peace and an authorised credit representative (Credit Rep 446824) under an Australian Credit Licence held by [licensee name and ACL number to be confirmed]. Our principal place of business is Suite 201, Tower A Esplanade, 11 Solent Cct, Norwest NSW 2153.

RyRo Asset Finance Pty. Ltd. (ABN 69 682 063 896), trading as RyRo Asset Finance, is a separate company. It is an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803. Its broker is Rohan Joshi.

In these Terms, "we", "us" and "our" mean whichever company provides the service you are using. Each company is responsible only for its own services. Neither company is responsible for credit assistance given by the other.

2. Acceptance of these terms

Using the site, submitting a contact form, downloading a guide, or booking a strategy call means you have read these Terms and the Privacy Policy and agree to them. Our Disclaimer also applies. We may update these Terms from time to time. The current version is always available at /terms.

3. Services we provide

RyRo Loan Centre arranges residential, investment, commercial, and specialist finance, including home loans, refinancing, SMSF loans and business and commercial property lending, through a panel of lenders. RyRo Asset Finance arranges car, vehicle, equipment, machinery and other asset finance, and personal loans. Our broking services are subject to the National Consumer Credit Protection Act 2009 (Cth) and the obligations of the Best Interests Duty when we act for retail clients on regulated credit. Some business finance is not regulated under that Act; we will tell you when that is the case.

If you ask about a product the other company provides, we will pass your enquiry to that company, as described in the Privacy Policy.

All lending is subject to lender approval, including credit, income, and serviceability checks. We do not lend money ourselves and we do not guarantee that any particular loan will be approved on any particular terms. Lenders set their own rates, fees and criteria, and these can change at any time.

4. General information only, not personal advice

The content on this site, including blog posts, guides, case studies, calculators, lead magnet PDFs, and the home page itself, is general information only. It does not take into account your personal objectives, financial situation, or needs. It is not financial product advice, tax advice or legal advice. Reading our content does not create a client relationship.

Personalised credit advice is only provided after you have a strategy call with one of our brokers and we have collected enough information about your circumstances to apply the Best Interests Duty under the National Consumer Credit Protection Act. For tax, legal or investment advice, speak to an accountant, a solicitor or a licensed financial adviser. See our Disclaimer for more.

5. Calculators and estimates

Calculators on this site (for example stamp duty, borrowing power, loan repayments, offset, property selling costs, income annualisation, income gross-up, car loan and chattel mortgage) are estimates only. They use assumptions and may produce results that differ from actual lender or government figures. Where a calculator shows the date its figures were last checked, the figures were correct to our knowledge on that date and may have changed since. They are not a quote, an offer of credit, or a binding indication of what you can borrow. Speak to us before relying on a calculator result to make a financial decision.

6. Lead magnets and downloads

PDF guides on this site are educational material only. They are updated periodically but rates, scheme caps, eligibility rules, and government policy change without notice. Always confirm the current position with us or the relevant government body before acting on a guide.

7. Third-party content and links

The site links to lenders, government schemes, and external articles, and some pages show content from other providers, such as a Google Maps map and a Calendly booking calendar. We do not control those websites or services and we are not responsible for their content, accuracy, availability or privacy practices. A link is not an endorsement of any third-party product or service.

8. Intellectual property

All content on this site, including text, images, videos, design, code, calculators, and lead magnet PDFs, is owned by RyRo Loan Centre, RyRo Asset Finance Pty. Ltd. or their licensors, or used under licence. Lender names and logos belong to their owners. You receive a limited, personal, non-transferable, non-commercial licence to view the content and download lead magnets for your own personal use. You may not republish, scrape, mirror, repackage, or use our content for commercial purposes without our prior written permission.

9. Acceptable use

You agree not to:

Use the site for any unlawful purpose.
Submit false, misleading, or stolen contact details on our forms.
Submit another person's details without their permission.
Impersonate another person or entity.
Attempt to gain unauthorised access to our systems or accounts.
Scrape, crawl, or otherwise extract data at scale.
Use the site to send spam or malicious code.
Interfere with the operation of the site or its security features.

10. Disclaimers and limitation of liability

The site is provided "as is". We try to keep it accurate and up to date, but we do not promise that it is complete, current or free of errors, or that it will always be available. To the maximum extent permitted by law we exclude all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Nothing in these Terms excludes any consumer guarantee or right that cannot be excluded under the Australian Consumer Law, or any right you have under the National Consumer Credit Protection Act. To the extent we are entitled to limit liability, our liability for any claim arising from your use of this site is limited to the amount you have paid us in the previous 12 months (which is normally zero, because we do not charge our retail mortgage broking clients for using this site). We are not liable for any indirect or consequential loss arising from your use of the site, to the extent the law allows.

11. Indemnity

You agree to indemnify RyRo Loan Centre, RyRo Asset Finance Pty. Ltd., their directors, employees, and contractors against any loss, damage, or expense arising from your breach of these Terms or your misuse of the site, to the extent the law allows.

12. Suspension and termination

We may refuse service, decline to take on a client, or restrict access to the site at any time, with or without notice, if we believe you have breached these Terms, behaved abusively to our team, or acted unlawfully.

13. Governing law

These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of New South Wales for any dispute arising from your use of the site. This does not affect your right to complain to the Australian Financial Complaints Authority (see the Privacy Policy).

14. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the current version. Material changes will be flagged on the cookie consent banner or via a notice on the homepage where appropriate.

15. Contact

Questions about these Terms can be sent to contact@ryroloancentre.com.au or by post to RyRo Loan Centre, Suite 201, Tower A Esplanade, 11 Solent Cct, Norwest NSW 2153. For RyRo Asset Finance, use the same email and address and mark your message "RyRo Asset Finance".

16. Enquiry forms and call bookings

When you send an enquiry through a form on this site, you agree that we may contact you about it by phone, email or text. Sending a form or booking a call does not make you our client, does not commit you to anything, and does not mean we have agreed to arrange credit for you. You will receive an automatic confirmation email and one follow-up email.

After you send a form you can book a call with us through Calendly, a third-party scheduling service. Your booking is also subject to Calendly's own terms and privacy notice. If you cannot make a booked call, please let us know so we can offer the time to someone else.

17. Linking to this site

You may link to any page of this site from your own website or social media, as long as the link is fair and lawful, does not suggest we endorse you or your products, and does not display our pages inside a frame on another site. We may ask you to remove a link at any time.