Build & Protect Financial Services Pty Ltd
ACN 656 852 078
Website: www.buildprotectfs.com.au
Last Updated: 18 February 2026
1. Acceptance of Terms
This website (“Website”) is operated on behalf of Build & Protect Financial Services Pty Ltd ACN 656 852 078 and its related bodies corporate (“we”, “us”, “our”).
By accessing or using this Website, you agree to be bound by these Terms of Use and Website Policy. If you do not agree, you must not use this Website.
These Terms are governed by the laws of Australia.
2. Nature of This Website
This Website may allow users to:
- Complete questionnaires, surveys and forms
- Submit loan applications
- Subscribe to services or updates
- Use online tools
- Engage in online expert chat
- Download documents and resources
Use of these features is subject to these Terms.
3. General Information Only (No Personal Advice)
All content on this Website is provided for general information purposes only.
Nothing on this Website constitutes:
- Personal financial advice
- Legal advice
- Tax advice
- Credit advice tailored to your individual circumstances
You should obtain professional advice tailored to your objectives, financial situation and needs before acting on any information provided.
No client relationship is created by merely accessing this Website.
4. No Client Relationship
Accessing or using this Website does not create:
- A broker-client relationship
- A financial adviser-client relationship
- Any fiduciary or professional relationship
A formal engagement only arises once written confirmation of appointment has been agreed.
5. Collection and Use of Personal Information
We are committed to protecting your privacy.
We may collect personal information:
- Directly from you (e.g., through forms or applications)
- When you use our services
- Through cookies and tracking technologies
- Via third-party service providers
We will only collect personal information that is reasonably necessary for, or directly related to, our functions and activities.
Personal information may be used to:
- Process applications
- Provide financial or credit services
- Communicate with you
- Improve our services
- Meet regulatory obligations
- Conduct internal analysis
6. Sensitive Information
Sensitive information includes information about:
- Racial or ethnic origin
- Political opinions
- Religious or philosophical beliefs
- Trade union membership
- Criminal record
- Health information
- Sexual orientation or practices
We do not intentionally request sensitive information.
If you voluntarily provide sensitive information, it will be captured and stored in accordance with this policy and applicable laws.
We will not use or disclose sensitive information for direct marketing unless you have consented.
7. Information from Third Parties
This Website may contain links to third-party websites (“Third Party Websites”).
If you access Third Party Websites:
- Those websites may collect information about you
- Information may be shared between us and the third party under commercial arrangements
- Cookie and preference data may be exchanged
We do not control third-party websites and are not responsible for their privacy practices or content.
8. Advertising, Tracking & Analytics
When you view our advertisements on third-party websites, advertising providers may use:
- Cookies
- Web beacons
- Tracking technologies
Information collected may include:
- The server your computer is logged onto
- Your browser type
- Date and time of visit
- Marketing performance data
- Pages viewed on our Website
- Whether you completed an online application
This data helps us improve marketing effectiveness and website performance.
9. Cookies
We use cookies to provide a better and more customised service.
A cookie is a small text file placed on your device by our web server.
Cookies may be used to:
- Allocate a unique identifier to your browser
- Customise Website content
- Collect statistical information
- Identify access from Third Party Websites
- Enhance security
You may configure your browser to refuse cookies. However, this may limit functionality.
10. IP Addresses
Your IP address is the identifier for your computer while using the internet.
We may collect IP addresses to:
- Administer our Website
- Analyse usage patterns
- Enhance security
- Diagnose technical issues
11. Online Applications
When you submit an online application:
- We retain the information provided
- We use it to assess and provide financial or credit services
- Suspended or saved applications are retained in our systems
- Saved applications may be accessed by us
Information may be stored in secure systems for compliance and record-keeping purposes.
12. Security of Information
We take reasonable steps to protect personal information from:
- Misuse
- Interference
- Loss
- Unauthorised access
- Modification
- Disclosure
We regularly review security and encryption technologies.
However, no data transmission over the internet can be guaranteed to be completely secure.
If we no longer require your personal information and are legally permitted to do so, we will take reasonable steps to destroy or de-identify it.
13. Direct Marketing
We may use your personal information for direct marketing purposes.
You may opt out of receiving marketing communications at any time by contacting us.
We will not use or disclose sensitive information for direct marketing without your consent.
We will respond to opt-out requests as soon as practicable.
14. Disclosure to Overseas Entities
We do not generally disclose personal information obtained through cookies to overseas entities.
If overseas disclosure becomes necessary in the course of providing services, it will be handled in accordance with Australian Privacy Principles.
15. Accuracy of Website Content
We aim to keep Website information accurate and up to date. However:
- We make no guarantees regarding accuracy or completeness
- Content may change without notice
- Financial markets, legislation and lending policies may change
You should verify information before relying on it.
16. Limitation of Liability
To the fullest extent permitted by law, we exclude liability for any loss or damage arising from:
- Use of this Website
- Reliance on Website information
- Technical interruptions
- Third-party content
Nothing in these Terms excludes rights under Australian Consumer Law that cannot be excluded.
17. Intellectual Property
All content on this Website, including:
- Text
- Graphics
- Branding
- Logos
- Downloadable documents
- Software and design elements
is owned by or licensed to Build & Protect Financial Services Pty Ltd.
You may use content for personal, non-commercial purposes only.
You must not reproduce, distribute or modify Website content without written consent.
18. Website Availability
We do not guarantee uninterrupted Website access.
We may:
- Modify or withdraw content
- Suspend services
- Update functionality
at any time without notice.
19. Amendments
We may update these Terms and this Website Policy from time to time.
Changes take effect immediately upon publication on the Website.
Continued use of the Website constitutes acceptance of the updated Terms.
20. Governing Law
These Terms are governed by the laws of Australia.
You submit to the non-exclusive jurisdiction of the courts of the State or Territory in which we operate.
21. Contact Us
If you have any questions regarding this Website Policy or Terms of Use, please contact:
Build & Protect Financial Services Pty Ltd
ACN 656 852 078
Website: www.buildprotectfs.com.au
Phone: 02 7258 2417
Email: enquiries@buildprotectfs.com.au