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Terms & Conditions
Effective Date: 02/09/2025
Welcome to EMMA (the “Website”), operated by EMMA (“we”, “our”, or “us”). By accessing or using our Website, you agree to be bound by the following Terms and Conditions. If you do not agree, please do not use the Website.
1. Who We Are
We help connect Australians with licensed mortgage brokers who can assist with home loans, refinancing, investment property loans, and more. While we facilitate enquiries and provide general information, we are not a licensed credit provider or financial adviser.
2. Use of Website
By using this Website, you agree to:
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Use the Website for lawful purposes only
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Not interfere with the security or functionality of the Website
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Not misuse any information, tools, or contact forms provided
3. No Financial Advice
All content provided on this Website is for general informational purposes only. It does not take into account your personal objectives, financial situation, or needs. Before acting on any information, you should consider whether it is appropriate for your circumstances and seek advice from a qualified financial professional.
5. Third-Party Services
We may refer you to third-party mortgage brokers or lenders. We are not responsible for the services or advice provided by these third parties. Your engagement with them is at your own risk and subject to their own terms and conditions.
6. Intellectual Property
All content on the Website, including text, images, graphics, logos, and layout, is owned or licensed by us and is protected by copyright and intellectual property laws. You may not reproduce or distribute any content without our written permission.
7. Limitation of Liability
To the maximum extent permitted by law, we are not liable for any loss, damage, cost, or expense (whether direct or indirect) arising from your use of the Website or any third-party services referred to herein.
8. Privacy
Your privacy is important to us. Please refer to our 'Privacy Policy' for details on how we collect, store, and use your personal information.
9. Changes to These Terms
We may update these Terms from time to time. The most recent version will always be posted on this page. By continuing to use the Website, you accept the revised Terms.
10. Contact Us
If you have any questions or concerns about these Terms, please contact us at: