Universal Home loans is a non bank lender and as such can offer competitive interest rates and a level of personal service that no other lender can match.

phone 02 49 333 640   //  email jay@universalloans.com.au

Privacy Policy


Change of Terms

Universal Home Loans has the right at any time to change or modify the terms or conditions applicable to the use of this site.

Who owns this site?

This site is owned and operated by Universal Home Loans Pty Ltd. The user acknowledges that Universal Home Loans and the names of Universal Home Loans products are the intellectual property of Universal Home Loans . All material on this Web site is copyright © 2007 Universal Home Loans Pty Ltd unless otherwise indicated. All other trademarks appearing on Universal Home Loans Web site are the property of their respective owners.

Who can use material on this site?

Universal Home Loans authorises the user to copy any material published by Universal Home Loans and placed on this Web site for non-commercial use only, provided that any copied material from the Web site retains all copyright or other proprietary notices and any disclaimers.

How should I act on the information provided at this site?

The purpose of this site is to provide you with an information service. If you think you may need investment advice, we suggest you approach a licensed investment adviser. You are also advised to consult with a financial representative prior to the execution of credit documentation with any financial institution. Nothing in this site should be taken by you to be the giving of investment advice.

Limitation of Liability

The Universal Home Loans Information Site is provided on an "as is" basis without warranties of any kind, either express or implied, including (but not limited to) warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to transactions conducted on the Universal Home Loans site.

The user expressly agrees that use of the Universal Home Loans site is at the user's sole risk. Neither Universal Home Loans , its affiliates nor any of their respective employees, agents, third-party content providers or licensors warrant that eChoice will be uninterrupted or error-free. Nor do they make any warranty as to the results that may be obtained from use of the Universal Home Loans site, or as to the accuracy, reliability or content of any information or service provided through the eChoice site.

This disclaimer of liability applies to any damages or injury from any cause including, without limitation, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of record, whether for breach of contract, tortious behaviour, negligence or under any other cause of action. The user specifically acknowledges that eChoice is not liable for the defamatory, offensive or illegal conduct of other users or their parties and that the risk of injury from the foregoing rests entirely with the user.

In no event will Universal Home Loans , or its agents or affiliates be liable for any damages, including (without limitation) direct, indirect, consequential, special, incidental or punitive damages arising out of the use (or of inability to use) the Universal Home Loans site, and the user hereby acknowledges that the provisions of this section shall apply to all content on the Universal Home Loans site.



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