Website terms and conditions of use
In these Terms and Conditions of Use, we, us and our means Shree Krishna Broking Pty Ltd ACN 695 813 604 trading as S K BROKING, together with Australian Finance Group Ltd ABN 11 066 385 822 (AFG), Australian Credit Licence 389087, and any related entity.
Your agreement to these terms
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree that you are bound by these Terms and Conditions of Use, our Privacy Policy, and any other notice, disclaimer or set of terms appearing on our websites, as amended from time to time. If you do not accept them, you are not authorised to use our websites.
These are our current Terms and Conditions of Use and they replace any earlier version that has appeared on any of our websites. We may vary them at any time by publishing a new version. Where a change is material we will take reasonable steps to let you know, for example by posting a notice on the relevant site or by prominently updating the effective date, and we will allow a reasonable period for you to review the change before it takes effect. By accessing any of our websites you are taken to accept the version displayed at that time. We reserve every right not expressly granted to you in these terms.
General advice warning
Where information on this website amounts to general financial advice, it has been prepared without regard to your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for your circumstances and obtain personal advice from a qualified professional.
Security risks on the internet
Sending information over the internet carries security risks. You should weigh those risks when deciding whether to use our online services.
Links to other websites
Our websites may link to sites operated by third parties. We do not endorse or approve the operators of those sites, or the information, graphics and material they contain. To the extent the law permits, we accept no responsibility or liability and give no warranty of any kind in respect of third party websites or the goods and services they offer you.
We may receive payments from the operators or owners of third party websites in relation to goods or services they supply to you as a result of you reaching their site from ours.
Use from outside Australia
Our websites are provided for use by Australian residents, and the products and services described on them are not directed at anyone in any other country. If you are not already our customer and you are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests started outside Australia will not be accepted from anyone who is not an existing customer.
Information on our websites has been prepared in accordance with the laws of the Commonwealth of Australia.
Third party software
Unless we tell you otherwise, any software you download from a third party website is that party's product rather than ours. We mention this because some products are subject to a licence agreement between you and them.
To the extent the law permits, we accept no responsibility or liability for such third party products, give no warranty in respect of them, and do not endorse them or any party connected with them. We do welcome your feedback or suggestions about them.
No warranty or guarantee
While we have worked hard to avoid mistakes in the information on our websites, we do not warrant that we have verified it, and we do not warrant its accuracy, adequacy or completeness, or that it is suitable for the use you intend. All information is also subject to change without notice.
We recommend you obtain independent advice before acting on anything you read here.
We do not guarantee that our websites are free of viruses or that access to them will be uninterrupted.
You acknowledge and agree that you use our websites at your own risk. You must make sure that the method you use to access them does not expose you to viruses or other interference that could damage your own computer system.
Limitation of liability
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you may have under the Australian Consumer Law, being Schedule 2 to the Competition and Consumer Act 2010 (Cth), or under any other applicable law, to the extent it cannot lawfully be excluded, restricted or modified.
Subject to responsibilities implied by law that cannot be excluded, neither we nor any of our employees, agents or officers is liable to you for any loss, damage, liability, claim or expense, including legal costs and the costs of defence or settlement, whether direct or indirect, arising out of or referable to information on our websites, your use of our websites, or any modification, suspension or discontinuance of them, whether in contract, in tort including negligence, under statute or otherwise.
Where our liability arises from breach of a condition or warranty implied by law or otherwise and cannot be excluded, it is limited so far as possible, at our option, to:
- supplying the goods or services again;
- repairing the goods or services; or
- paying the cost of having the goods or services supplied again or repaired.
Copyright and trade marks
The material on our websites is protected by copyright. Other than for the purposes and on the conditions permitted under the Copyright Act 1968 (Cth), no part of it may be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted in any form or by any means, whether electronic, mechanical, by micro-copying, photocopying, recording or otherwise, without our prior written permission. You must also not commercialise any information, product or service obtained from our websites, in any form or by any means, without our prior written permission. Our websites include registered trade marks owned by us or our licensors, and you must not use any of them in any way without our prior written consent.
Privacy and personal information
Our handling of personal information, including credit information and credit eligibility information, is governed by our Privacy Policy. That policy explains how we collect, hold, use and disclose personal information in accordance with the Privacy Act 1988 (Cth), including the Australian Privacy Principles, the Privacy (Credit Reporting) Code and related legislation.
We will notify you and the Office of the Australian Information Commissioner of an eligible data breach affecting your personal information, in accordance with the Notifiable Data Breaches scheme.
By using our websites you consent to your personal information being collected, used and disclosed as described in our Privacy Policy.
Cookies and tracking technologies
Our website uses cookies, pixels, tags and similar technologies to help operate the site, remember your preferences, measure use, optimise content and serve advertising.
Some of these technologies are operated by third party service providers, for example analytics or advertising platforms. Information collected may be used by us and by those providers in accordance with our Privacy Policy and the providers' own privacy notices.
You can manage cookies through your browser settings. Disabling some cookies may affect how our websites work.
Acceptable use
You must not, and must not attempt to:
- use our websites for any unlawful, fraudulent, deceptive or misleading purpose;
- interfere with, disrupt or place an unreasonable load on our websites or on any server or network connected to them;
- introduce any virus, worm, trojan, ransomware, malicious code or other harmful program;
- probe, scan or test the vulnerability of our websites, or breach any authentication or security control, without our prior written authorisation;
- reverse engineer, decompile or disassemble any part of our websites, except to the extent the law permits;
- submit content that is defamatory, obscene, infringing, harassing, threatening or otherwise unlawful; or
- impersonate any person, or misrepresent your affiliation with any person or entity.
We may suspend, restrict or terminate your access to our websites at any time and without notice if we reasonably suspect a breach of these terms.
Use of artificial intelligence
We may use artificial intelligence, machine learning and other automated tools (AI tools) on our websites or in connection with them. AI tools may be used to:
- generate, summarise, translate, classify or moderate website content;
- power chatbots, virtual assistants, search and recommendation features;
- help us triage enquiries, detect fraud, monitor security and improve the user experience; and
- support internal business operations, including credit, compliance and analytics, in accordance with our Privacy Policy.
Our team reviews all AI-generated output before it is published on our websites.
Output is general only. Output from AI tools may not always be accurate, current or appropriate for your circumstances, and it does not constitute financial, credit, taxation, legal or other professional advice. Before relying on anything generated or surfaced by an AI tool, verify it independently and obtain professional advice as appropriate.
No use of our content for AI training or scraping. Without our prior written consent, you must not: use any automated system, robot, scraper, crawler, large language model or other AI or machine learning tool to access, copy, harvest, ingest, index, extract or otherwise process content from our websites; use our websites or their content to train, fine-tune, ground, augment or otherwise develop or evaluate any AI or machine learning model, dataset or generative tool; or submit AI-generated content to us, or use AI tools to interact with our websites, in a way that misrepresents its origin or that you know would mislead us or anyone else.
Reservation of rights. We expressly reserve all rights in our websites and all content on them, including text and data mining rights and our rights under the Copyright Act 1968 (Cth). Nothing on our websites grants you any licence to use our content for the purposes described above.
Liability. To the maximum extent the law permits, we are not liable for any loss or damage arising from your use of, or reliance on, any AI-generated output accessed through our websites.
Complaints
If you have a complaint, our internal dispute resolution process and the details for escalating to the Australian Financial Complaints Authority are set out on our Complaints page.
Governing law and jurisdiction
These terms are governed by the laws of the Commonwealth of Australia and of the state or territory in which our principal place of business is located.
You and we submit to the non-exclusive jurisdiction of the courts of Australia in respect of any dispute or claim arising out of or in connection with these terms.
General
Severability. If any provision of these terms is or becomes invalid, illegal or unenforceable, it will be read down to the minimum extent necessary or, if it cannot be read down, severed, without affecting the validity or enforceability of the remaining provisions.
No waiver. If we fail or delay in exercising a right or remedy, that is not a waiver of it.
Entire agreement. These terms, together with our Privacy Policy and any other notice or disclaimer on our websites, contain the entire agreement between you and us relating to your use of our websites, and supersede any earlier representation or understanding.
Linking to our websites
You must not link to any of our websites without our prior written permission.
These Terms and Conditions of Use were last updated in July 2026.