Terms and Conditions

1. Introduction

Welcome to Diamond Lending and Diamond Private Capital. By using our website or engaging our services, you agree to be bound by these Terms and Conditions. Please read them carefully. If you do not agree, you should not use our website or services.

2. Who We Are

• Diamond Lending Pty Ltd is an authorised credit representative (CRN 519246) of Outsource Financial Pty Ltd (ACL 384324).

• Diamond Private Capital Pty Ltd holds an independent Australian Credit Licence (ACL 562009).

We provide lending and credit assistance services to individuals and businesses across Australia, including residential, commercial, private, and business loans.

3. Legal & Regulatory Framework

We operate in compliance with the following laws and regulations:

• Privacy Act 1988 (Cth)

• Australian Privacy Principles (APPs)

• National Consumer Credit Protection Act 2009 (Cth)

• ASIC Regulatory Guidelines (e.g., RG 165, RG 271)

• Spam Act 2003

• Competition and Consumer Act 2010 (Cth)

4. Use of Our Website

This website is provided for informational purposes only and should not be considered personal financial, legal, or tax advice. While we take reasonable steps to ensure accuracy, we do not guarantee the completeness or currency of information.

You must not:

• Misuse, interfere with, or attempt to breach our website security

• Copy, reuse, or reproduce any website content without permission

• Use this website for illegal or unauthorised purposes

5. Our Services

We offer the following services:

• Credit advice and lender matching

• Home, investment, and construction loans

• Commercial and business loans

• Private and short-term lending

• Vehicle and equipment finance

• Ongoing refinancing and portfolio review

All loan approvals are subject to lender eligibility criteria and are not guaranteed by us.

6. Client Responsibilities

By engaging our services, you agree to:

• Provide accurate, full, and timely financial and personal information

• Notify us of any changes to your financial circumstances

• Supply all documentation required for assessment or compliance

• Seek independent legal, tax, or financial advice where appropriate

7. Fees, Commissions & Costs

• Our services are typically provided at no direct cost to the client. We may receive upfront and ongoing commissions from lenders.

• Where additional services or structuring is required, a fee may apply and will be disclosed in writing before engagement.

• You may be responsible for third-party costs such as valuations, legal fees, and government charges. We will inform you of these where possible in advance.

8. Privacy & Information Security

We take your privacy seriously. All personal information is handled in accordance with our Privacy Policy, which outlines how we collect, use, store, and share your information.

Some of our support team members operate from India and the Philippines. Access to your data by offshore staff is secure, restricted, and compliant with APP 8 (Cross-border disclosure of personal information).

9. No Guarantees or Warranties

While we strive for excellence in service:

• We do not guarantee loan approvals, timeframes, or interest rates

• We are not liable for decisions made by lenders or changes in lender policies

• External delays (e.g., property valuations, legal reviews) are outside our control

10. Limitation of Liability

To the extent permitted by law, Diamond Lending and Diamond Private Capital are not liable for any loss, damage, or claim arising from:

• Use of our website

• Reliance on general information

• Third-party service interruptions

• Loan decisions made by lenders or other institutions

11. Third-Party Links

Our website may contain links to external websites. These links are provided for your convenience and do not imply endorsement. We are not responsible for the privacy or content practices of third-party websites.

12. Complaints & Dispute Resolution

If you have a concern or complaint, we encourage you to follow this process:

Step 1: Internal Resolution
Email us at hello@diamondlending.com.au and we’ll aim to resolve your concern within 30 days.

Step 2: External Review
If you’re not satisfied, you may escalate to:

Australian Financial Complaints Authority (AFCA)
📞 1800 931 678
🌐 www.afca.org.au
📬 GPO Box 3, Melbourne VIC 3001

Office of the Australian Information Commissioner (OAIC)
📞 1300 363 992
🌐 www.oaic.gov.au

13. Updates to Terms

We may revise these Terms and Conditions from time to time to reflect changes in law, industry standards, or our business operations. Updated terms will be posted on our website, and significant changes may be communicated directly to clients.

14. Termination

You may terminate our services at any time in writing. Likewise, we reserve the right to end our engagement if:

• You breach these Terms

• Required information is not provided

• Services are no longer legally or commercially viable

Upon termination, we will ensure all information remains confidential and securely handled.

15. Governing Law

These Terms are governed by the laws of Victoria, Australia. Any disputes will be handled in accordance with applicable Australian laws and tribunals.

16. Contact Us

Diamond Lending Pty Ltd & Diamond Private Capital Pty Ltd
📍 Level 2, Riverside Quay, 1 Southbank Blvd, Southbank VIC 3006
📧 Email: hello@diamondlending.com.au
📞 Phone: 0468 645 477
🌐 Website: www.diamondlending.com.au
📩 Privacy Officer: Shan Narkhede
🔗 LinkedIn Profile

17. Acknowledgement

By using our website or engaging our services, you confirm that you:

• Have read and understood these Terms and Conditions

• Agree to the terms of our Privacy Policy

• Consent to lawful processing and use of your information

• Acknowledge the limits of financial product guarantees

Diamond Lending – Where Financial Expertise Meets Trusted Advice

Last Updated: 8 July 2025