Website Information

This Website is operated by Yes Approved Pty Ltd (ABN 64 655 225 264), an Authorised Credit Representative of National Loans Pty Ltd: Australian Credit Licence No. 480781.

General Terms of Use

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, you should immediately discontinue use. We may update these Terms at any time, with changes taking effect from the time they are published on this website. You should also read any other notices or disclosures relevant to your use of our services.

Nature of Services

Yes Approved Pty Ltd acts as a finance broker and not a lender. We assist in sourcing finance options from third-party lenders. Any approval, offer, or finance contract is subject to the lender’s terms, conditions, and credit assessment.

• Submitting an enquiry through Get My Rate or Apply Online does not constitute a finance approval, pre-approval, or guarantee of funding.

• We do not warrant that you will be eligible for finance or that any particular loan product will be suitable for you.

Advisory Caution

Information provided on this website is general in nature and does not take into account your personal circumstances. Before making any financial decision, you should consider obtaining independent advice from your accountant, financial adviser, or registered tax agent.

• Quotes, repayment estimates, or rate ranges shown on this website are indicative only and subject to change based on the lender’s assessment and your individual situation.

• While we endeavour to provide accurate information, we make no representation or warranty as to its accuracy, and we accept no liability for loss arising from reliance on the information provided.

Use of Online Tools

Our online tools, including Get My Rate and Apply Online, are provided for your convenience:

• Repayment calculators, estimates, and lender comparisons are for illustrative purposes only and do not represent a formal quote, loan offer, or pre-qualification.

• Results are based on the information you provide and may not reflect all eligibility criteria or fees.

• Final loan terms, including interest rates, loan amounts, and repayments, will be determined by the lender after a full credit assessment.

We may update or modify these tools at any time without notice. Availability and functionality may be interrupted at our discretion.

Use of AI Chat Assistant

This website may include an artificial intelligence–powered chat assistant (“AI Assistant”) designed to provide general information, respond to common enquiries, and assist users in navigating our services.

The AI Assistant:

• Provides general information only

• Does not provide financial advice, credit advice, legal advice, or tax advice

• Does not make lending decisions or approvals

• Does not guarantee eligibility, rates, terms, or funding outcomes

• Does not act on behalf of any lender

Any information provided by the AI Assistant is indicative only and must not be relied upon as a substitute for personalised advice or a formal assessment.

No Binding Decisions or Offers

The AI Assistant cannot:

• Issue approvals or pre-approvals

• Enter into contracts

• Provide binding loan terms or lender commitments

All finance outcomes remain subject to full lender assessment, verification, and approval.

User Responsibilities

When using the AI Assistant, you agree that you will:

• Provide information that is accurate and not misleading

• Not submit sensitive personal information, including but not limited to:

  • Date of birth

  • Driver’s licence or passport details

  • Credit card or bank account numbers

• Use the AI Assistant for lawful purposes only

We reserve the right to restrict or suspend access to the AI Assistant where misuse or abuse is detected.

Privacy and Data Handling

Use of the AI Assistant is subject to our Privacy Policy.

In summary:

• Conversations may be logged for quality assurance, training, security, and compliance purposes

• Personal information is handled in accordance with the Privacy Act 1988 (Cth)

• The AI Assistant may capture basic contact details (such as name, email address, and phone number) where voluntarily provided for enquiry or follow-up purposes

• We do not sell personal information collected via the AI Assistant

Accuracy and Availability

While we take reasonable steps to ensure the AI Assistant provides helpful and relevant information:

• Responses may be incomplete, inaccurate, or out of date

• Technical errors, delays, or interruptions may occur

• Information and functionality may change without notice

Use of the AI Assistant is at your own risk.

Yes Approved Pty Ltd excludes all liability for any loss, damage, or expense arising from the use of this website, including information provided by automated or AI-powered tools, to the fullest extent permitted by law.

Proprietary Rights

This website and all content are owned by Yes Approved Pty Ltd unless otherwise indicated. Some material may be subject to third-party intellectual property rights. You must not reproduce, distribute, or modify any part of this website without prior written consent.

Information Collection and Use

When you submit information through our website, we collect and use it in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy.

• By submitting an enquiry or application, you consent to us collecting, using, and disclosing your personal and credit information for the purpose of providing finance options.

• This may include verifying your identity, obtaining a credit report, and sharing information with lenders, referral partners, and service providers.

• We may be legally required to retain certain records even after services are completed.

You also consent to receiving communications electronically (email, SMS, or platform notifications) relating to your enquiry, application, or marketing (with your consent).

Security of Information

We use security and encryption technology to protect your information from misuse, loss, or unauthorised access. When no longer required and where legally permissible, your information will be securely deleted. You are responsible for ensuring that your browser and devices are configured securely when transmitting information to us.

Cookies, IP Addresses, and Tracking

• We use cookies to provide a personalised experience, improve functionality, collect statistical data, and enhance security.

• We may collect your IP address when you browse this site.

• We may use third-party advertising and analytics providers, who may collect data about your browsing activities through cookies and similar technologies.

Third-Party Websites and Links

This website may contain links to third-party websites. These are provided for convenience only and are not under our control. Yes Approved Pty Ltd is not responsible for the content or security of those websites and excludes all liability for their use.

Direct Marketing

We may use your personal information for direct marketing communications if you have consented. You may opt out at any time by contacting us at info@yesapproved.com.au.

Limitation of Liability

To the fullest extent permitted by law:

• Yes Approved Pty Ltd excludes all liability for any loss, damage, or expense arising from the use of this website, including reliance on calculators, quotes, or online tools.

• Nothing in these Terms excludes liability under the Australian Consumer Law where such exclusion would be unlawful.

• Our liability is limited to the maximum extent permitted under applicable law.

Jurisdiction

These Terms are governed by the laws of Western Australia, Australia. By using this website, you submit to the non-exclusive jurisdiction of the courts of Western Australia and the Commonwealth of Australia.

Contact Us

If you have any questions about these Terms of Use, please contact us:

• Email: info@yesapproved.com.au

• Phone: 1300 361 167

• Address: Suite 5/1244 Marmion Avenue, Currambine WA 6028