SKR GLOBAL FINANCE PTY LTD is a mortgage and finance brokerage operating in Australia.

We(SKR global Finance PTY LTD and Sandeep Sigdel) act as Credit Representatives (CRNs 576435 & 576436) of Finsure Finance & Insurance Pty Ltd, the holder of Australian Credit Licence 384704.

We provide credit assistance services in accordance with the National Consumer Credit Protection Act 2009 (Cth).

We provide mortgage broking and credit assistance services, including:

• Explaining available loan products and credit options
• Assisting you to compare lenders
• Helping you prepare and submit loan applications
• Liaising with lenders during the approval process

Important:

We do not provide legal, taxation or personal financial planning advice. You should seek independent advice from qualified professionals (such as a solicitor, accountant or licensed financial adviser) before entering into any credit contract.

This website is intended for individuals aged 18 years or older.

By using this website, you confirm that:

• You are legally capable of entering into binding agreements
• You will use the website lawfully
• You will not misuse the information provided

Access from outside Australia is permitted, however our services are designed for Australian residents and Australian credit products.

In most residential lending cases, we are paid commission by the lender for arranging your loan.

In certain situations (such as commercial, private or specialised lending), we may charge a brokerage fee. Where applicable:

• Any fee will be disclosed to you in writing before you proceed
• You will be provided with a Credit Proposal Disclosure document
• Fees will not be charged without your informed consent

If a loan application is unsuccessful, any agreed brokerage fee terms will be clearly outlined prior to engagement.

Loan approval is subject to lender assessment and credit criteria.

We do not guarantee:

• Approval of any loan application
• Specific interest rates
• Loan amounts
• Settlement timeframes

All decisions remain at the discretion of the lender.

We aim to ensure that all website content is accurate and current. However:

• Interest rates may change without notice
• Government policies may change
• Product features may be updated by lenders

We do not warrant that all information is error-free, complete or current at all times.

You should verify all critical information directly with us before making financial decisions.

To the maximum extent permitted by law:

• We are not liable for indirect or consequential loss arising from use of this website
• We are not responsible for lender decisions
• We are not responsible for actions taken based solely on website information

Nothing in these Terms excludes rights you may have under Australian Consumer Law.

Mortgage calculators and other tools provided on this website are for general estimation purposes only.

Results:

• Are not formal loan approvals
• Are not credit assessments
• Should not be relied upon as financial advice

Actual loan outcomes depend on full lender assessment.

We collect and manage personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth).

By using this website or submitting an enquiry, you consent to the collection and handling of your information as described in our Privacy Policy.

All website content including:

• Text
• Branding
• Graphics
• Logos
• Layout design
• Downloadable materials

is owned by or licensed to SKR GLOBAL FINANCE PTY LTD.

You may:

• View and print content for personal use

You may not:

• Reproduce content for commercial purposes
• Modify, distribute or republish content without written permission

Unauthorised use may result in legal action.

You agree not to:

• Upload harmful or malicious material
• Attempt to hack, disrupt or interfere with website functionality
• Submit false or misleading information
• Engage in unlawful activity

We reserve the right to restrict or terminate access for misuse.

If you have a complaint, please contact us first:

Email: sandeep@skrglobal.com.au

We will aim to resolve your complaint within 30 days.

If unresolved, you may escalate your complaint to:

Australian Financial Complaints Authority

Website: www.afca.org.au

Phone: 1800 931 678

We encourage dispute resolution through mediation before legal proceedings where appropriate.

We may update these Terms periodically to reflect changes in:

• Law
• Regulatory requirements
• Business operations

Updated Terms will be published on this website. Continued use constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the Commonwealth of Australia and the State of Victoria.

Any disputes will be subject to the jurisdiction of the courts of Victoria, Australia.

SKR GLOBAL FINANCE PTY LTD

ABN 40 694 079 706

Credit Representatives of company and broker Sandeep Sigdel (CRNs 576435 & 576436)

Representative of Finsure Finance & Insurance Pty Ltd (ACL 384704)

Email: sandeep@skrglobal.com.au

Website: www.skrglobal.com.au