Terms and Conditions – OptiCheck SmartMatch™

Effective Date: 10 November 2025

1. Acceptance of Terms

By accessing or using the opticheck.au website (“Website”) or any associated services (“Services”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use the Website or Services.

These Terms form a legally binding agreement between you (“User”, “you”, “your”) and Ads and Ventures Pty Ltd (“OptiCheck”, “we”, “us”, or “our”).

2. Our Role – We Are Not a Financial Service Provider

OptiCheck is a marketing and lead generation platform. We are not a lender, financial adviser, or credit provider under Australian law.

Our service is to help connect users with licensed and verified third-party finance brokers based on the information you provide. These brokers may contact you independently to offer credit assistance.

We do not:

Offer credit directly,

Provide financial or credit advice,

Guarantee any specific loan offers or approvals,

Assess your financial situation.

All financial decisions and outcomes remain solely your responsibility and should be made in consultation with a licensed finance professional.

Disclaimer:
OptiCheck is a marketing platform, not a lender or financial adviser. We do not offer financial advice, credit assistance, or loan products. Our service connects users with independent, licensed finance brokers who handle all applications and advice.
Always seek advice from a qualified professional before making financial decisions.

3. Age Requirement

You must be at least 18 years old to use this Website and Services.

4. Use of the Website

You agree to use the Website and Services:

Only for lawful purposes,

Without impersonating anyone else or misrepresenting your identity,

Without uploading misleading, harmful, or unauthorised content.

We reserve the right to suspend or terminate access for any misuse.

5. Accuracy of Information

You agree that all information you submit to us (including for finance-matching purposes) is true, accurate, and complete. We are not responsible for any issues arising from inaccurate or incomplete data.

6. Third-Party Brokers and Services

Our platform connects you with third-party finance brokers. These brokers operate independently of OptiCheck.
We do not control, endorse, or guarantee:

The availability or suitability of any financial product,

The conduct of third-party brokers,

Any financial outcomes, terms, or approval processes.

You are responsible for conducting your own due diligence before proceeding with any financial arrangement.

7. Intellectual Property

All content on this Website — including logos, designs, text, trademarks, and graphics — is owned by or licensed to Ads and Ventures Pty Ltd and is protected under Australian intellectual property laws.

You may not use, reproduce, distribute, or exploit any content without our prior written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Ads and Ventures Pty Ltd and its officers, employees, and agents are not liable for any direct, indirect, incidental, or consequential loss, damage, or expense arising from:

Your use (or inability to use) the Website or Services,

Third-party broker services or loan outcomes,

Errors or omissions on the Website,

Unauthorised access to your information.

This includes (but is not limited to) lost profits, lost data, or reputational damage.

9. Indemnity

You agree to indemnify and hold harmless Ads and Ventures Pty Ltd, its directors, employees, and affiliates against any claims, damages, liabilities, or costs (including legal fees) arising from:

Your use of the Website or Services,

Your breach of these Terms,

Your dealings with any third-party finance brokers.

10. Links to Third-Party Resources

Our Website may contain links to third-party websites or resources. These are provided for your convenience only. We do not endorse or take responsibility for the content, accuracy, or policies of external sites.

Use of any third-party services is at your own risk.

11. Disclaimer

The information on this Website is provided for general information purposes only. It is not intended as financial, legal, or professional advice.
We do not guarantee:

That you will be matched with a broker,

That you will be approved for a loan,

That the financial products will suit your needs.

Please consult a licensed professional before making any financial decisions.

12. Changes to These Terms

We may update these Terms from time to time. If we do, we’ll publish the revised version on this page with an updated “Effective Date.” Your continued use of the Website after changes are made will be taken as acceptance of the new Terms.

13. Governing Law

These Terms are governed by the laws of Queensland, Australia, and any disputes will be handled in the courts of that jurisdiction.

14. Contacting Us

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

📧 [email protected]