Website & Service Terms

These Terms of Service ("Terms") are entered into between you ("you", "your") and Consolidated Funding Group Pty Ltd (ACN 119 381 832) as trustee for Hesari Business Trust (ABN 23 623 634 518) trading as Fairbanks Financial Group ("Fairbanks", "we", "us", "our") and its related bodies corporate.

By accessing or using our website at fairbanksfinancial.com.au (the "Website"), submitting an enquiry, or engaging our mortgage broking services, you agree to be bound by these Terms. If you do not agree, please do not use our Website or services.

Farzin Ghaffari Hesari is a credit representative (CRN 577919) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. We are regulated by the Australian Securities and Investments Commission (ASIC) under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act).

This website policy applies to this website, which is operated on behalf of Consolidated Funding Group Pty Ltd (ACN 119 381 832) and its related bodies corporate ("we", "us" and "our").

We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with this website.

Our website privacy policy may change from time to time. This website includes features that allow consumers to fill in questionnaires, forms and surveys, loan applications, subscription services and online expert enquiries.

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information is any information about a person's racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

Our website also contains links to the websites of third party providers of goods and services ("Third Party Websites"). If you have accessed Third Party Websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party Website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

When you view our advertisements on a Third Party Website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:

When you access our website after viewing one of our advertisements on a Third Party Website, the advertising company collects information on how you utilise our website (e.g. which pages you view) and whether you complete an online application.

We use 'cookies' to provide you with better and more customised service and with a more effective website. A 'cookie' is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

You can control cookies via your browser settings. Note that disabling certain cookies may affect the functionality of our website.

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

We may use your IP address for purposes including security monitoring, fraud prevention, analytics, and to ensure the correct version of our website is displayed to you based on your geographic location. IP addresses are not used to personally identify you unless combined with other information.

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you request.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application.

The security of your information is very important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure.

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request to us and we will respond as soon as possible.

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our business.

For further information about how we handle overseas disclosure of personal information collected through our services (not just cookies), please refer to our Privacy Policy or contact us at hello@fairbanksfinancial.com.au.

Fairbanks Financial Group provides credit assistance services as a licensed mortgage broker. Our services include, but are not limited to:

We act as an intermediary between you and lenders. We do not make lending decisions — all credit decisions are made by the relevant lender. Our role is to assess your needs, research suitable loan options from our panel of 90+ lenders, and assist you in applying for credit.

To use our services, you must:

• Be at least 18 years of age
• Be an Australian resident or citizen, or hold an eligible visa (subject to lender requirements)
• Have the legal capacity to enter into a binding agreement
• Provide accurate, complete and up-to-date information when requested
• Not use our services for any unlawful purpose

As a credit representative under the NCCP Act, we are required to provide you with a Credit Guide before providing credit assistance. Our Credit Guide sets out:

A copy of our Credit Guide is available upon request by emailing hello@fairbanksfinancial.com.au or calling 1300 187 610.

Because of this, you should consider the appropriateness of any information on this website to your own situation and needs before taking any action. The information on this website should not be relied upon for the purposes of entering into any legal or financial commitments.

Specific financial advice should be obtained from a suitably qualified professional before adopting any financial strategy. If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement (PDS) and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product.

You can obtain a copy of the relevant PDS by emailing hello@fairbanksfinancial.com.au or by calling 1300 187 610.

Farzin Ghaffari Hesari (CRN 577919) is a credit representative of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192 and does not hold an Australian Financial Services Licence (AFSL). We do not provide financial product advice as defined under the Corporations Act 2001 (Cth).

Interest rates, comparison rates, repayment figures and other financial data displayed on this website are indicative only and are subject to change without notice. They do not constitute an offer of credit.

Our mortgage broking service is provided to you at no direct cost. We are remunerated by lenders in the form of commissions when a loan is settled.

All content on this Website — including text, graphics, logos, images, calculators, tools, data and software — is the property of Consolidated Funding Group Pty Ltd or its content suppliers and is protected by Australian and international copyright laws.

You may access and use the Website for personal, non-commercial purposes only. You must not:

• Reproduce, distribute, modify or create derivative works from any content on this Website without our prior written consent
• Use any data mining, robots, scraping or similar data gathering tools on this Website
• Frame or mirror any part of this Website without our express written permission
• Remove or alter any copyright, trademark or other proprietary notices
• Use our brand name, logo or trademarks without prior written approval

The Fairbanks Financial Group name and logo are trademarks of Consolidated Funding Group Pty Ltd. All rights reserved.

To the maximum extent permitted by law, Fairbanks Financial Group excludes all liability for any loss or damage (including direct, indirect, consequential, special or incidental loss) arising from:

• Your use of, or inability to use, this Website or our services
• Reliance on any information, tools or calculators on this Website
• Errors, omissions or inaccuracies in the content of this Website
• Interruption, suspension or termination of this Website
• Unauthorised access to or alteration of your data
• Any decision made by a lender in relation to your loan application

Nothing in these Terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition, implied or imposed by any legislation that cannot lawfully be excluded or limited, including under the Australian Consumer Law (ACL).

Your privacy is important to us. The collection, use and disclosure of your personal information is governed by our Privacy Policy, which forms part of these Terms and is incorporated by reference.

By using our Website or services, you consent to the collection and use of your personal information as described in our Privacy Policy. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

For privacy enquiries, please contact our Privacy Officer at privacy@fairbanksfinancial.com.au.

We are committed to resolving any concerns or complaints promptly and fairly. If you have a complaint about our services or this Website, please follow the process below:

These Terms are governed by the laws of New South Wales, Australia. You and Fairbanks Financial Group submit to the non-exclusive jurisdiction of the courts of New South Wales and the Federal Court of Australia.

If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision will be severed from these Terms and the remaining provisions will continue in full force and effect.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

We may update these Terms from time to time to reflect changes in our services, legal requirements or for other operational reasons. When we make material changes, we will:

• Update the "Last Reviewed" date at the top of this page
• Place a notice on our Website for 30 days where changes are significant

Your continued use of our Website or services after any changes to these Terms constitutes your acceptance of the revised Terms.

Current version: April 2026  |  Previous version: Available on request from hello@fairbanksfinancial.com.au

For any questions about these Terms of Service or Website Policy, please contact us: