Terms of Service
Clear Terms to Guide Every Interaction with Thor Finance
Most people skim the fine print. We would rather you could actually read ours. This page sets out the rules that govern your use of the Thor Finance website and the credit assistance we provide, written in plain English so nothing surprises you later.
Acceptance of These Terms
By accessing or using the Thor Finance website, you agree to these terms of service, our privacy policy, and our disclaimer. If you do not agree with any part of these terms, please do not use the website or submit an enquiry or application through our channels.
These terms apply whether you are browsing for information, using an online calculator, lodging an enquiry, or engaging our brokerage services. Continued use of the website after any update to these terms indicates your acceptance of the revised version.
About Thor Finance
Thor Finance (ABN 31 629 922 589) is an Australian finance brokerage. We are an Authorised Credit Representative (Credit Representative Number 557246) of AFAS Group Pty Ltd, which holds Australian Credit Licence 414426.
We arrange asset, personal, leisure, commercial, business, and low doc loans through a network of more than 45 lenders. Our role is to help you compare options, complete applications, and secure finance that fits your circumstances. We do not lend money directly. The final credit decision, loan terms, interest rate, and settlement sit with the chosen lender.
Permitted Use of the Website
You may use the Thor Finance website for personal, non-commercial purposes, including researching finance options, reading our content, and submitting genuine enquiries or loan applications. By using the website, you agree to act honestly, lawfully, and in good faith at all times.
You agree not to:
- Use the website for any unlawful, fraudulent, or misleading purpose
- Submit applications or enquiries containing false, inaccurate, or stolen information
- Attempt to interfere with, damage, or gain unauthorised access to the website, our servers, or any connected systems
- Use automated tools, bots, scrapers, or similar technology to extract content or data
- Reproduce, republish, or redistribute any content from the website without our written consent
- Use the website in a way that infringes the rights of Thor Finance, our partners, or other users
We may suspend or end your access to the website at any time if we reasonably believe you have breached these terms or are using our services in a way that creates risk for you, us, or a lender.
Credit Services and Regulatory Status
Thor Finance provides credit assistance as a finance brokerage. All credit activities are conducted in accordance with the National Consumer Credit Protection Act 2009 (Cth), the National Credit Code, and related regulations.
We follow a responsible lending process. We will only recommend or assist with a loan that is, in our view, not unsuitable for your stated needs, objectives, and financial situation based on the information you provide. If a product is unsuitable, we will not arrange it.
Nothing on the website constitutes personal financial advice, tax advice, or legal advice. Any general information is provided to help you understand loan products and processes. Personalised credit assistance is only provided once you engage one of our brokers, complete the required applications, and receive a formal preliminary credit assessment.
Applications and Your Information
When you submit an enquiry or loan application, you agree to provide information that is complete, accurate, current, and honest. This includes details about your identity, income, expenses, assets, liabilities, employment, and any information relevant to your ability to repay a loan.
We may share your information with lenders, credit reporting bodies, insurers, valuers, and other third parties involved in assessing, arranging, or settling your finance. Details of how we collect, use, store, and disclose your personal information are set out in our privacy policy.
If the information you provide is incorrect, incomplete, or changes materially before settlement, the suitability of any loan arranged may be affected. You agree to notify us promptly if your circumstances change during the application process.
Fees, Commissions, and Costs
Thor Finance may receive commissions, fees, or other remuneration from lenders when a loan settles. Where applicable, this is disclosed to you in writing before you enter a loan contract, in line with Australian credit law.
If a broker fee applies to your specific circumstances, it will be disclosed to you in advance and only charged with your written agreement. You are never charged a fee without being told about it first. Lender fees, government charges, stamp duty, and other costs are set by the lender or relevant authority, not by Thor Finance.
Interest Rates, Approvals, and Repayments
Any interest rates, repayment examples, loan amounts, approval timeframes, or product features shown on the Thor Finance website are indicative only. They are provided to help you understand how a product generally works, not to guarantee the outcome of your specific application.
Final loan terms are set by the lender and depend on factors including your credit history, income, expenses, security, the amount borrowed, and the lender’s own credit policy. Approval is not guaranteed. Fees, charges, and conditions apply, and are disclosed to you in writing before you sign any loan contract.
Website Content and Accuracy
We take reasonable care to make sure the content on the Thor Finance website is accurate and up to date at the time of publishing. However, the finance industry moves quickly. Rates, lender policies, fees, product features, and eligibility criteria can change without notice.
Thor Finance does not warrant that the website content is complete, current, or free from errors. You should always confirm product details, rates, and terms directly with the relevant lender or a Thor Finance broker before making any decision.
Intellectual Property
All content on the Thor Finance website, including text, graphics, logos, icons, images, videos, software, and layout, is owned by or licensed to Thor Finance. It is protected by Australian and international copyright and trademark laws.
You may view, print, and save content for personal, non-commercial use. Any other use, including reproduction, republishing, adaptation, or redistribution, requires our prior written permission. The Thor Finance name, logo, and brand assets may not be used without our written consent.
Third-Party Links and External Content
The Thor Finance website may link to third-party websites, lender portals, calculators, application platforms, or tools operated by other businesses. These links are provided for convenience only.
Thor Finance does not control, endorse, or accept responsibility for the content, accuracy, privacy practices, or availability of any external site. Your use of any third-party site is governed by that site’s own terms and privacy policy. We recommend you review them carefully before submitting any information.
Testimonials, Reviews, and Case Examples
Client testimonials, reviews, and case studies published on the website reflect the individual experiences of those clients at a particular point in time. They are shared to give you a realistic sense of how we work, not to promise a specific outcome.
Your own experience, loan approval, interest rate, and repayment terms will depend on your personal circumstances and the lender’s assessment. Past results are not a reliable indicator of future outcomes.
Privacy and Communications
Your privacy matters to us. Our privacy policy explains how we collect, use, store, and share your personal information, and how you can access or correct it. By using the website or submitting an enquiry, you consent to the handling of your personal information in line with that policy.
When you contact us or submit an application, you consent to Thor Finance communicating with you by phone, SMS, email, or post in relation to your enquiry, application, loan, or related services. You can opt out of marketing communications at any time by contacting us directly.
Disclaimer and Limitation of Liability
To the maximum extent permitted by Australian law, Thor Finance, its directors, employees, contractors, and representatives are not liable for any loss, damage, cost, or expense (including indirect or consequential loss) that arises from your use of, or reliance on, the website or any content on it.
Nothing in these terms excludes, restricts, or modifies any rights or remedies you have under the Australian Consumer Law or other consumer protection legislation that cannot lawfully be excluded. Where liability cannot be excluded but can be limited, our liability is limited, at our option, to resupplying the relevant service or paying the cost of having it resupplied.
Your Indemnity to Thor Finance
You agree to indemnify Thor Finance against any loss, damage, claim, cost, or expense we reasonably incur as a result of your breach of these terms, your misuse of the website, or any false, misleading, or incomplete information you provide during an application.
This indemnity does not apply to the extent the loss or damage is caused by our own negligence, wilful misconduct, or breach of Australian law.
Complaints and Dispute Resolution
If you are unhappy with any aspect of our service, please contact us first. Most issues can be resolved quickly once we understand your concerns. You can raise a complaint by email or phone using the contact details at the bottom of this page.
If your complaint is not resolved to your satisfaction, you can refer the matter to the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution scheme. You can contact AFCA on 1800 931 678, at info@afca.org.au, or through afca.org.au.
Changes to These Terms
We may update these terms from time to time to reflect changes in our services, industry requirements, or applicable laws. The most current version is always available on this page. Where changes are significant, we will highlight them on the website or notify you directly where appropriate.
Your continued use of the website after any changes means you accept the updated terms. If you do not agree with any update, please stop using the website and contact us to discuss.
Governing Law and Jurisdiction
These terms are governed by the laws of Australia and the state or territory in which Thor Finance operates. Any dispute arising from or in connection with these terms, the website, or our services will be handled in the courts of that jurisdiction, subject to your rights under Australian Consumer Law and any applicable external dispute resolution scheme.
Contact Us
If you have any questions about these terms, the services we provide, or anything else on the Thor Finance website, please get in touch. We are happy to clarify anything before you apply.
Email: info@thorfinance.com.au
Phone: 0433 835 592
Thor Finance. ABN 31 629 922 589. Authorised Credit Representative 557246 of AFAS Group Pty Ltd, Australian Credit Licence 414426.
