Terms & Conditions

About This Web Site

This is a web site operated by United Financial Services Group (UFS), which is represented in all States and Territories by three companies:


  • United Financial Services Pty Limited ABN 77 072 442 445
    Australian credit licence 386927


  • United Financial Services (Qld) Pty. Limited ABN 43 073 887 813
    Australian credit licence 386930


  • United Financial Services Network Pty. Limited ABN 47 095 911 283
    Australian credit licence 386932

Each entity trades as United Financial Services in their respective States, under the domain name "www.unifin.com.au" ( "UFS Web Site"). Your use of the information, graphics and materials on the UFS Web Site ( "Material on this web site ") is governed by these Terms & Conditions and the Privacy Policy. In addition to the terms contained in this document, there are also specific terms which form part of the Terms & Conditions and govern your use of, and access to, certain sections of the UFS Web Site. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the UFS Web Site.

Links To Other Web Sites

The UFS Web Site may contain links to other web sites operated by third parties ( "Third Party Web Sites" ). UFS does not endorse, or approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Web Sites ( "Third Party Material" ).
Subject to any applicable law which cannot be excluded, UFS makes no warranties or representations:

  • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Web Sites; or
  • that Third Party Material does not infringe the intellectual property rights of any person. UFS is not authorising the reproduction of Third Party Material by linking Material on this web site to Third Party Material.

When you follow a link on the UFS Web Site, material at a Third Party Web Site may be displayed in your browser framed by Material on this web site. This material is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party Web Sites are the responsibility of and given by the Third Party Web Site operator. Insofar as such offers and statements are made on the UFS Web Site, such offers and statements are made by UFS on behalf of the operator. UFS expressly disclaims acting in any other respect on behalf of Third Party Web Site operators.

UFS may receive payments from operators of Third Party Web Sites in relation to goods or services supplied by the operator as a result of you linking to the Third Party Web Site from the UFS Web Site.

Third Party Software

Unless otherwise indicated software downloads available via links from the UFS Web Site are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, UFS accepts no liability in respect of such third party products and UFS provides no warranty and gives no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.

UFS Product Information and Supply

Material on this web site is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information contained within this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. You should also seek independent financial advice prior to acquiring a financial product. Unless expressly stated otherwise, the Material on this web site:

  • does not constitute an offer or inducement to enter into a legally binding contract; and
  • does not form part of the terms and conditions for any products and services.

For further information about a particular product or service please contact us or a representative. All applications for credit are subject to the credit providers's normal credit approval criteria. All applications for insurance are subject to the insurer's normal underwriting criteria.


While we have made every effort to ensure that information is free from error, UFS does not warrant the accuracy, adequacy or completeness of Material on this web site.

All information is subject to change without notice. UFS recommends that you seek independent advice before acting upon Material on this web site or Third Party Material.

UFS does not guarantee that the UFS Web Site or Third Party Web Sites will be free from viruses, or that access to the UFS Web Site or Third Party Web Sites will be uninterrupted.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, no member of UFS is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on the UFS Web Site or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of any member of UFS for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at UFS' option, to:

  • the supply of the goods or services again;
  • the repair of the goods; or
  • payment of the cost of having the goods or services supplied again or repaired.


These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the UFS Web Site) and your access to the UFS Web Site may be terminated at any time by UFS without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by UFS will survive termination, however, you will no longer be authorised to access the UFS Web Site.

Copyright and Trademarks

Copyright in the Material on this Web Site is owned or licensed by UFS.

Except where necessary for viewing the Material on this web site on your browser, or as permitted under the Copyright Act 1968 (Cmwth) or other applicable laws or these Terms & Conditions, no Material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of UFS.

"UFS", and all associated trademarks, are trademarks of United Financial Services Group.

Linking To UFS Web Site

Please contact UFS if you would like to place a link to any part of the UFS Web Site.

Acceptance and Changes To Terms & Conditions

You acknowledge and accept that your use of the UFS Web Site indicates your acceptance of these Terms & Conditions and the Privacy Policy.

These are the current Terms & Conditions. They replace any other Terms & Conditions for the UFS Web Site published on the UFS Web Site to date.

UFS may at any time vary the Terms & Conditions by publishing the varied Terms & Conditions on the UFS Web Site. You accept that by doing this, UFS has provided you with sufficient notice of the variation. UFS reserves any rights not expressly granted in these Terms & Conditions.

Date of Publication – 1 May 2012 - Version 3