WEBSITE TERMS OF USE

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these Terms, please discontinue use of the Website immediately.

You accept these Terms by:

• Continuing to browse or use the Website; or

• Clicking an "I Accept" or similar button where presented; or

• Submitting information through our Website forms.

If you are accessing the Website on behalf of a business or organisation, you confirm that you have authority to bind that entity to these Terms.

We may update these Terms from time to time to reflect changes in our business, legal requirements, or industry practices. When we make material changes, we will use reasonable efforts to notify you by:

• Posting a prominent notice on our Website homepage; or

• Updating the "Last Updated" date at the top of this document.

Changes take effect immediately upon posting unless otherwise stated. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms. We recommend checking this page periodically for updates.

4.1 Permitted Use

You may use this Website to:

• Learn about our lending products and services

• Access general information about mortgage management

• Submit enquiries or applications where functionality is provided

• Download resources intended for public distribution

4.2 Prohibited Conduct

To ensure the Website remains secure and accessible for all users, you must not:

• Use the Website for any unlawful purpose or in violation of any applicable laws

• Attempt to interfere with the proper operation of the Website or our systems

• Introduce viruses, malware, or other harmful code

• Use automated systems (such as robots or spiders) to access the Website without our prior written consent

• Misrepresent your identity or provide false information

• Access data or areas of the Website not intended for your use

• Engage in conduct that may damage our reputation or the Website's functionality

We reserve the right to suspend or terminate access for users who breach these requirements

5.1 Ownership

All content on this Website—including text, graphics, logos, images, videos, audio, software, design elements, and underlying code—is owned by Ampire MMS or our licensors and is protected by Australian and international copyright laws.

Our trademarks, service marks, and trade names are either owned by us or licensed for our use. Nothing on this Website grants you any right to use these marks without our prior written permission.

5.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to:

• Access and view Website content for personal, non-commercial use

• Print pages for your own reference

• Store content temporarily in your browser cache

5.3 Restrictions

Except as permitted above, you must not:

• Reproduce, modify, distribute, or republish Website content without our written consent

• Use our content for commercial purposes without authorisation

• Remove or alter copyright notices or other proprietary markings

• Create derivative works from our materials

Enquiries regarding licensing or republication requests should be directed to our contact details in the last section - Contact Information.

6.1 Our Commitment

We take your privacy seriously. Any personal information collected through your use of this Website is handled in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy.

6.2 Information We Collect

When you use our Website, we may collect:

• Contact details (name, email, phone number) when you submit enquiries

• Information about your device and browsing activity (IP address, browser type, pages visited)

• Information you voluntarily provide through forms or correspondence

6.3 How We Use Information

We use collected information to:

• Respond to your enquiries and provide requested services

• Improve our Website functionality and user experience

• Comply with legal and regulatory obligations

• Communicate with you about our products and services (where you have consented)

6.4 Privacy Policy

Our full Privacy Policy is available on this Website and forms part of these Terms. It provides detailed information about:

• How we collect, hold, use, and disclose personal information

• Your rights to access and correct your information

• How to make a privacy complaint

7.1 Nature of Website Content

The information on this Website is of a general nature only. It is not intended to be, and should not be relied upon as:

• Personal financial advice

• Legal advice

• Tax advice

• A recommendation that any particular product is suitable for your specific circumstances

7.2 No Financial Advice

Ampire MMS does not provide personal financial advice through this Website. Before making any financial decisions, you should:

• Consider your own objectives, financial situation, and needs

• Consult a licensed financial adviser if required

• Obtain independent legal advice where appropriate

7.3 No Guarantees

We do not guarantee:

• That any lending product will be available to you

• Specific interest rates, fees, or loan terms (these are subject to change and individual assessment)

• That you will qualify for any particular loan or credit product

• The accuracy, completeness, or currency of all information on the Website

All lending is subject to our credit assessment, verification of information, and approval criteria under the National Consumer Credit Protection Act 2009 (Cth).

7.4 Website Availability

We strive to maintain Website availability but do not guarantee uninterrupted access. The Website may be unavailable during maintenance periods or due to circumstances beyond our control.

8.1 Consumer Guarantees

Nothing in these Terms excludes, restricts, or modifies any right or remedy you have under the Australian Consumer Law or other applicable legislation that cannot be lawfully excluded.

8.2 Limitation of Liability

To the extent permitted by law, Ampire MMS and our directors, employees, agents, and affiliates will not be liable for:

• Any indirect, consequential, special, or punitive loss or damage

• Loss of profits, business opportunities, or anticipated savings

• Loss of data or damage to reputation

• Any loss arising from reliance on information provided on this Website

Our total liability for any claim arising from your use of the Website or these Terms—whether in contract, tort (including negligence), equity, or statute—will be limited to the extent permitted by law.

8.3 Assumption of Risk

Your use of this Website is at your own risk. We provide the Website and its content "as is" and "as available" without warranties of any kind, express or implied, except as required by law.

This Website may contain links to external websites operated by third parties (such as partner organisations, industry bodies, or government agencies). These links are provided for your convenience and information only.

We do not:

• Control or endorse the content of third-party websites

• Guarantee the accuracy or security of external sites

• Accept responsibility for any loss or damage arising from your use of third-party websites

When you click a third-party link, you leave our Website and are subject to that site's terms and privacy practices. We recommend reviewing those terms before providing any personal information.

10.1 What We Use

Our Website uses cookies and similar technologies to:

• Remember your preferences and improve your browsing experience

• Analyse Website traffic and usage patterns (in anonymous, aggregated form)

• Maintain security and authentication where applicable

10.2 Your Choices

Most web browsers allow you to control cookie settings. You can:

• Accept or reject cookies through your browser settings

• Delete existing cookies from your device

• Set your browser to notify you when cookies are being used

Please note that disabling cookies may affect the functionality of certain Website features.

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia.

Any dispute, claim, or proceeding arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia.

If you have questions about these Terms, our Website, or our services, please contact us:

By Phone

• Client Services: 1300 800 088

• Speak with your nominated representative

By Email

• General Enquiries: admin@ampiremms.com.au

By Post

Ampire Mortgage Management Services Pty Ltd Suite 502, Level 5 379 Kent Street Sydney NSW 2000

Complaints

If you are dissatisfied with our service, please refer to our Complaints Handling Procedure available on this Website or contact us using the details above. If your complaint remains unresolved after 30 days, you may escalate to the Australian Financial Complaints Authority (AFCA):

Australian Financial Complaints Authority

• Phone: 1800 931 678 (free call)

• Website: www.afca.org.au

• Mail: GPO Box 3, Melbourne VIC 3001

• Ampire MMS AFCA Membership Number: 121015