Terms of Use

Last updated: June 15, 2026

1. Acceptance of terms

By accessing Refisage.com you agree to these Terms of Use. If you do not agree, please do not use the site.

All content published on Refisage.com is general information and educational in nature. It covers home loans, refinancing, rates, and equity for a general Australian audience. This is a general advice warning: the information is general in nature only, does not take into account your objectives, financial situation or needs, and does not constitute personal financial, credit, legal, or tax advice, nor an offer or commitment to lend. Advertised interest rates differ from the comparison rate, which includes most fees and charges. Rates, loan terms, and product eligibility change frequently and vary by lender and circumstances. You should consider obtaining personal advice from a licensed professional, such as a licensed lender or mortgage broker, before making important decisions.

3. Intellectual property

All original content on Refisage.com, including text, graphics, and logos, is protected by copyright and owned by Refisage or its licensors. Reproduction without express authorisation is prohibited.

4. Affiliate links

Some articles may contain affiliate links, marked with an AFFILIATE indicator. We may earn a commission on purchases or referrals made through those links, at no additional cost to you. This does not influence our editorial recommendations.

5. Notifications (Web Push)

You may choose, entirely voluntarily, to receive notifications about new articles directly in your browser. The option is presented through the site’s own notice, and permission is requested only if you accept. For these notifications we do not collect or retain any name, email, phone, IP address, or any personal data: we use only an anonymous technical subscription generated by your browser, as described in the Privacy Policy. You can opt out at any time in your browser settings or via the “Notifications” control in the site footer. Declining or opting out does not affect access to the content.

6. Limitation of liability

Refisage.com is not responsible for decisions made based on the published content. The use of the information is the sole responsibility of the user. To the fullest extent permitted by applicable law, Refisage disclaims liability for any loss arising from reliance on the content. Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot lawfully be excluded under the Australian Consumer Law.

7. Governing law

These terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-law principles. Any controversy will be resolved in the courts of New South Wales.

8. Contact

Questions about these terms: [email protected].