Terms & Conditions
Allott Capital Pty Ltd | Website Terms & Conditions
Last Updated: 22 January 2024
You have accessed a website owned by Allott Capital Pty Ltd (ABN 15 646 380 681) (Allott Capital).
General Terms For All Website Users
We reserve the right to update and amend this website (including all information, graphics, and materials) at any time without notice.
Where Allott Capital is required, by law or otherwise, to provide you with a document and you obtain that document electronically through the links on our websites, you acknowledge and agree that you have received that document.
Unless expressly stated otherwise, products and services referred to on our websites are available only to Australian residents.
All references to dollars are referred to in Australian dollars (AUD).
This website provides general information about Allott Capital products and services. Unless you use this website to apply for an Allott Capital product:
the information contained in this website is designed to be used as a guide only and all information is provided for illustrative purposes only;
Allott Capital does not make any representation or provide any warranty as to the accuracy, adequacy, or completeness of the information;
information on this website does not constitute an offer or inducement to enter into a legally binding contract and is not part of the terms and conditions for any of the products and services named on this website; and
Allott Capital recommends that you seek independent advice in relation to the information contained on this website.
Applications for credit are subject to Allott Capital’s lending criteria policy applicable at the time of the application.
Products Issued by Allott Capital Pty Ltd
Unless expressly stated otherwise, any information provided on this website in relation to any product is provided by Allott Capital Pty Ltd. Allott Capital Pty Ltd is not a bank.
The information on this website is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon a borrower’s individual circumstances. Therefore, you should consider seeking professional advice on the legal and taxation implications of borrowing and should not rely on the information provided, which should be used as a guide only.
We Accept No Additional Liability In Relation To This Website
Allott Capital Pty Ltd, nor any of their directors, employees and associates guarantees the security of this website and to the maximum extent permitted by law, is not liable to you (whether in contract, tort, negligence or for breach of statute or otherwise) for any losses, damages, liabilities, claims and expenses (including legal costs) you may suffer or incur in relation to your use of this website or the material on this website.
You Indemnify Us
We Retain All Intellectual Property
Copyright in the material on this website is owned by Allott Capital. All rights are reserved. You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.
Unauthorised use of Allott Capital and its registered trademarks is prohibited.
If you apply for a product or service via this website, the following, additional terms apply:
Allott Capital may facilitate applications by credit-worthy commercial or business borrowers aged over 18 years for commercial loan products via this website, trading as Allott Capital Pty Ltd.
When you enquire about a loan on our website, we aim to provide you with information such as; what the loan may cost you as soon as we can by way of a rate estimate.
As part of your loan application process, we may obtain your credit score from a Credit Reporting Body (CRB) which, combined with other information that you tell us, forms the basis on which we provide a rate estimate tailored to you.
We will provide you with an exact quote for our fees and interest rate applicable, when you complete your application, if you qualify for a loan and agree to proceed with the loan application.
At times it will not be possible for us to give you a rate estimate immediately, and generally it will be because we’ve been unable to validate or verify specific information related to your loan application. If this is the case, we’ll ask you to complete our full application form, and may be required to provide additional supporting documentation, where we can get more information from you to make a comprehensive assessment about whether a loan is suitable for you.
Verification Of Your Identity and Financial Circumstances
If you apply for a loan, we will engage a CRB, and where indicated other service providers, to help us verify your financial information and identity. We’ve put these services in place to help give you the fastest possible loan assessment and service.
Some of these services are optional and you can choose not to use them. If you choose not to, your loan assessment might take longer because we’ll ask you to provide the information, we need using an alternative process, and this information will need to be verified before we can organise a loan for you.
We will charge you an establishment fee for these services. As noted above, we will advise you of the amount of this establishment fee after you complete your application. You will not have to pay the establishment fee unless and until you accept your loan offer, and your loan has been established.
Alternate Loan Offers
At times, we may offer to provide you with a loan for you that’s not exactly what you’ve asked for. This loan offer may be of a lower loan amount and/or a longer loan term. This will occur because the loan you requested falls outside of our lending criteria. You do not have to accept the loan offer and if you choose not to, we will not charge you anything.
Before accepting a loan offer, you should consider if the loan suits your needs and helps you achieve your goals.
Account and Membership Registration
When applying for a loan with us, you may also be asked to register an account. This may be required prior to you applying for a loan with us. You don’t have to set up an account with us, however if you don’t, we may be unable to offer you a loan.
Certain parts of our website may be restricted to registered customers only. Accessing such areas of the website without a registered account or written approval or authorisation from Allott Capital is strictly prohibited.
To access the restricted areas, you will be required to set up a login and password. You must ensure that your login details are sufficiently secure. You also agree to take all reasonable steps to safeguard your password. Your login details (including passwords) are specific to you, and your login details must never be shared, written down or stored in a place that’s easily discovered. If you share your password and a fraud occurs, you may be responsible for the resulting loss.
If you become aware of your login details becoming known to someone else, you must change your password, and if your login details have been accessed without your authorisation you must notify us immediately.
You agree that we can contact you by phone, email, text, and mail. Our website host and service provider takes security measures on our website, and we take security measures in our business practices to protect the integrity of our business, your account, and your personal information.
You undertake that information that you provide us is true and correct and unless you disclose to us that you are representing a third party, we will assume that it is yours to provide. You will not provide us any information that you are not legally entitled to provide.
You agree to communicate with us electronically as well as through other means (such as SMS and phone), so that we may provide you with loan offers, account updates statements, notices and other information relating to your account by email. Paper documents will not be given, and you must check the accounts you have provided to us (including your email account and phone number) for communications from us.
We may limit or restrict the availability of our services or the provision of any content to particular persons, geographic areas, or jurisdictions, at any time if we think that doing so is necessary to protect you, other users of Allott Capital. For clarity, the terms and conditions applying to any loans that we have already organised for you will not be affected by this limitation.
You understand that all consents that you grant and have granted to the Allott Capital will remain in place for as long as our services are provided to you.
We may restrict, suspend, change, or terminate all or part of the services that you can access on the website without liability to you in certain circumstances including during scheduled or emergency upgrades or maintenance of our website or if there is a system outage affecting us, or one of our service providers that is outside our reasonable control. We may also restrict or suspend your access if you are in breach of our terms or are a victim of fraud.
We may suspend or terminate your account or your use of the services or otherwise deny you access to the services at any time if we reasonably suspect that information you have provided is untrue, inaccurate, not current, or incomplete. In some circumstances, we may have to do this without notice to you.
At all times, we will retain sole ownership over your account information.
Allott Capital Pty Ltd ABN 15 646 380 681