Effective Date: 01/01/2024

Welcome to Ho Finance Made Simple. These Terms and Conditions ("Terms") govern your use of our website located at https://hofinancemadesimple.com.au ("Website"). By accessing or using our Website, you agree to comply with and be bound by these Terms. Please read them carefully.

## 1. Acceptance of Terms

By accessing or using our Website, you agree to these Terms, as well as our Privacy Policy. If you do not agree with any part of these Terms, please do not use our Website.

## 2. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

## 3. Use of the Website

### 3.1 Eligibility

You must be at least 18 years old to use our Website. By using the Website, you represent and warrant that you meet this age requirement.

### 3.2 User Conduct

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes, but is not limited to:

- Engaging in conduct that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable.

- Interfering with the operation of the Website or any other party's use of the Website.

- Attempting to gain unauthorized access to the Website or its related systems or networks.

## 4. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, and software, is the property of Ho Finance Made Simple or its content suppliers and is protected by Australian and international copyright laws. Unauthorized use of any content on the Website is prohibited.

## 5. Disclaimer of Warranties

The Website is provided on an "as-is" and "as-available" basis. We make no representations or warranties of any kind, express or implied, regarding the operation of the Website or the information, content, materials, or products included on the Website. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

## 6. Limitation of Liability

To the fullest extent permitted by law, Ho Finance Made Simple shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Website, whether based on contract, tort, strict liability, or otherwise, even if advised of the possibility of such damages.

## 7. Indemnification

You agree to indemnify, defend, and hold harmless Ho Finance Made Simple, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, liabilities, expenses, damages, and costs, including reasonable attorneys' fees, arising out of or relating to your use of the Website or any violation of these Terms.

## 8. Third-Party Links

The Website may contain links to third-party websites that are not owned or controlled by Ho Finance Made Simple. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. By using the Website, you expressly relieve Ho Finance Made Simple from any and all liability arising from your use of any third-party website.

## 9. Governing Law

These Terms are governed by and construed in accordance with the laws of Australia, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Australia to resolve any dispute arising out of or related to these Terms or the Website.

## 10. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

Ho Finance Made Simple (AUST) PTY LTD

Corporate Credit Representative 534393

Authorized under Australia Credit License 432946

Legal Name: A.C.N. 650 961 149

Trading Name: Ho Finance Made Simple (AUST) PTY LTD

Phone: 0457 451 107

Email: {{location.email}}

Address: Melbourne, Australia

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By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.