Website Terms

1. Website operator and scope

This website, mfgfinance.com.au, is operated by Machine Finance Pty Ltd (ABN 29 657 970 235), trading as MFG Finance and MFG Strategic Equipment Finance. These terms explain the basis on which we provide website information and the conditions for using our website materials. They apply to use of the website, including its calculators, articles, client stories and enquiry forms.

These terms do not replace any separate engagement, application, privacy consent or finance agreement. If you proceed with our services or a lender, the relevant documents and agreed terms govern that transaction.

2. General information and finance decisions

Website content is general information about commercial finance and MFG’s services. It is not a personalised recommendation, credit approval, binding quote, offer of finance or guarantee of a particular outcome. Articles and examples do not take account of every reader’s financial position, objectives or circumstances.

Discuss your proposed purchase, business position and funding structure with us before making a decision. Obtain accounting, tax, legal or other professional advice where appropriate. A website enquiry alone does not create a finance facility or oblige you to proceed.

3. Lenders, eligibility and approvals

Finance availability, rates, fees, terms, deposit requirements and eligibility depend on the asset, applicant, lender assessment and circumstances at the time. Lenders make their own credit decisions. Any approval remains subject to its stated conditions, documentation and settlement requirements. Indicative website information may change and does not override a lender’s written offer or finance contract.

References to a lender panel or accreditation do not mean every lender or product is available for every transaction. We may be paid by a lender when a transaction settles. Any applicable fees, remuneration disclosures and engagement terms are addressed as part of the relevant service or application process.

4. Calculator estimates

Calculators provide illustrations based on the figures and assumptions used. They are not lender quotes, approvals or a complete assessment of affordability. Estimates may exclude lender fees, taxes, insurance, transaction costs and lender-specific calculations. Payment timing, rounding, rate changes, balloons and the final contract can affect the actual repayment and total cost.

Check all inputs and discuss the result with us before relying on it for a purchase or budget. A displayed rate, repayment or finance amount is not a promise that those terms will be available to you.

5. Enquiries and information you provide

Provide accurate information and only submit information you are entitled to share. Do not impersonate another person, submit misleading applications, send spam or upload malicious material. If you give us another person’s details, ensure you have the appropriate authority.

Use the enquiry forms to tell us about your needs. Do not include passwords, tax file numbers, identity documents or bank account details in a general website note. Contact us to arrange an appropriate way to provide application documents. Our Privacy Policy explains how we handle personal information, website analytics and privacy requests.

6. Copyright in copy and photographs

Website copy and MFG-owned photographs of our clients’ equipment are copyright MFG Finance (Machine Finance Pty Ltd). These client equipment photographs, including those showing clients’ business logos on their machinery, are taken and published with our clients’ consent. This photography ownership notice does not cover other imagery, including third-party images or illustrations. All rights reserved in MFG-owned material.

MFG Finance does not grant anyone permission to use, copy, reproduce, duplicate, republish, distribute, alter or commercially exploit our website copy or MFG-owned client equipment photographs. In particular, client consent to publication on MFG’s website does not authorise another business, publisher or individual to use the photographs. Contact us before seeking any reuse; permission is not implied by public availability or by crediting MFG.

You may access and view the website through its normal functions. Any further use of MFG-owned protected materials requires MFG’s express written permission unless that use is permitted by law. These terms do not remove a statutory copyright exception.

7. Logos, video and other third-party materials

Third-party names, trademarks, lender logos, association marks, embedded videos and other third-party materials remain the property of their respective owners. Their appearance identifies relevant businesses, services, memberships or client work and does not grant you a licence to use them. Ownership of a photograph does not mean MFG owns the client logos or trademarks shown in it. MFG cannot grant rights belonging to another owner.

Client stories describe particular transactions or experiences. They do not guarantee comparable funding, savings, rates or outcomes for another business.

8. Acceptable website use

Do not interfere with the website, attempt unauthorised access, bypass access controls, introduce harmful code, overload its systems, harvest personal information or use its content unlawfully. Do not use automated tools to copy or republish protected copy or photographs without permission. We may take proportionate steps to protect the website and its users, including restricting access associated with misuse.

9. External links and services

Links, videos and third-party tools may take you to or load services operated by others. We do not control those websites, their availability or their information handling. Their own terms and policies apply. A link does not, by itself, mean we endorse every statement or service on the linked website.

10. Accuracy, availability and responsibility

We aim to keep the website useful and current, but information can become out of date or contain errors. Website access may be interrupted by maintenance, technical issues or third-party outages. Contact us to verify information material to a proposed transaction.

To the extent permitted by law, we do not warrant uninterrupted or error-free access, and we are not responsible for loss arising from reliance on a general illustration as a personalised quote or from circumstances beyond our reasonable control. Nothing in these terms excludes, restricts or modifies rights, guarantees or remedies under the Australian Consumer Law or any other law that cannot lawfully be excluded, restricted or modified. Where such protections apply, they continue to apply.

11. Updates and applicable law

We may update website information and these terms. The current version and update date will be shown on this page. Updated website terms apply to subsequent website use and do not retrospectively change a separate agreement already entered into with you.

These terms are governed by the laws of Australia and, where relevant, New South Wales. This does not restrict any mandatory rights or access to a court, tribunal or dispute resolution body available to you under applicable law.

12. Contact, permission requests and complaints

For questions about these terms, requests for written permission to reuse material, concerns about website content or complaints, use our enquiry form and explain what you need. You can also write to MFG Finance, L3, 7 Bridge Street, Sydney NSW 2000, or L1, 50 - 56 York Street, South Melbourne VIC 3205.

If a financial services complaint falls within its jurisdiction, you may contact the Australian Financial Complaints Authority at afca.org.au. MFG’s AFCA membership number is 89354. Privacy matters are addressed in our Privacy Policy.