Disclaimer

Last updated: August 2026

General Information

The information provided on this website and through REFS Australia's services is for general informational and educational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.

Not Financial Advice

REFS Australia does not provide financial advice. Our mentoring, training, and consulting services are educational in nature and designed to help mortgage brokers develop their skills and business practices.

Nothing on this website or in our services should be construed as:

  • Financial product advice
  • Credit advice
  • Investment advice
  • Tax advice
  • Legal advice

You should seek independent professional advice before making any financial decisions or providing advice to your clients.

Not Legal Advice

The information provided is not intended to be legal advice. While we may discuss compliance frameworks and regulatory requirements as part of our educational content, you should consult with qualified legal professionals for specific legal guidance relevant to your situation.

No Guarantee of Results

Participation in our mentoring, training, or consulting programs does not guarantee:

  • Business success or profitability
  • Specific income levels or settlement volumes
  • Client acquisition or retention rates
  • Regulatory compliance outcomes
  • Career advancement or job placement

Individual results vary based on many factors including personal effort, market conditions, individual circumstances, and other variables beyond our control.

Earnings and Income Statements

Any earnings or income figures mentioned on this website or in our materials are for illustrative purposes only. They represent potential scenarios and should not be considered as typical results or guarantees of future performance.

The mortgage broking industry involves inherent risks, and income can vary significantly based on factors including:

  • Market conditions and interest rate environments
  • Individual skill and experience levels
  • Time and effort invested
  • Geographic location and target market
  • Business structure and overhead costs
  • Regulatory changes

Third-Party Content

Our website may contain links to external websites or reference third-party content. We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites.

Testimonials

Testimonials and reviews displayed on this website reflect the individual experiences of those who have used our services. These are personal opinions and experiences and should not be considered as typical results. Your experience may vary.

Professional Responsibilities

As a mortgage broker, you are responsible for:

  • Maintaining your own professional qualifications and registrations
  • Complying with all applicable laws, regulations, and industry codes
  • Meeting the requirements of your aggregator and lender partners
  • Providing appropriate advice to your clients
  • Maintaining professional indemnity insurance

Our mentoring and training support does not replace your independent professional obligations.

Limitation of Liability

To the maximum extent permitted by applicable law, REFS Australia and its directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with:

  • Your use of this website or our services
  • Any errors or omissions in our content
  • Any interruption or cessation of services
  • Any decision or action taken based on information provided

Indemnification

You agree to indemnify and hold harmless REFS Australia from any claims, damages, losses, or expenses arising from your use of our services or your violation of these terms.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting to this website. Your continued use of our services constitutes acceptance of any modified terms.

Contact

If you have questions about this disclaimer, please contact us: