Website Use Terms & Conditions

The jingle.com.au website and the application portal accessible via this website (together, the “Website”) are owned and operated by Jingle Finance Pty Ltd ABN 18 132 485 066, Australian Credit Licence 388143, trading as Jingle (“Jingle”, “we”, “us” or “our”).

By accessing or using this Website, you agree to be bound by these Terms of Use and our Privacy Policy and Cookie Policy. If you do not agree with any part of these terms, you must not use the Website.

1. About Jingle

Jingle is an Australian-based credit provider regulated by the Australian Securities and Investments Commission (ASIC). We provide personal loans in accordance with the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act), including our responsible lending obligations.

2. Eligibility and Use

You may only use this Website if you:

• are at least 18 years old;
• are an Australian resident; and
• use it for lawful purposes and not in breach of any applicable laws.

You must not misuse the Website or its functionality or attempt to gain unauthorised access to any part of it.

3. Digital Applications and Consent

By submitting an application via the Website, you:

• consent to receive disclosures and notices electronically;
• authorise us to verify your identity and financial information via third-party providers;
• acknowledge that submitting an application does not guarantee loan approval.

You are responsible for ensuring all information you provide is complete, accurate, and current.

4. Privacy and Data Protection

We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Our [Privacy Policy] explains how we collect, store, and use your personal data.

When you apply for a loan through our Website, your data is securely captured and processed using third-party platforms that:

• verify your identity and financial details;
• conduct credit checks; and
• assess your application in line with responsible lending obligations.

We ensure all third parties are contractually bound by privacy and data security obligations. All data is encrypted in transit and handled in line with Australian privacy law.

We comply with the Notifiable Data Breaches (NDB) scheme and will notify you of any eligible breach likely to result in serious harm.

5. Cookies and Tracking

This Website uses cookies and similar technologies to enhance your experience and collect usage data. By continuing to use this Website, you consent to our use of cookies in accordance with our Cookie Policy.

You may manage or disable cookies through your browser settings; however, some features of the Website may not function properly if cookies are disabled.

6. Intellectual Property

All content on the Website — including trademarks, logos, text, graphics, software, and images — is owned or licensed by Jingle. You may not reproduce, modify, distribute, or republish any part of this Website without our prior written consent, except where permitted by law.

7. Your Loan

(a) If Jingle provides you with a loan, separate terms and conditions will be provided to you directly and will form a legally binding agreement between you and Jingle.

(b) These Website Terms do not override or replace any provision in your loan agreement with Jingle.

(c) In the event of a conflict between these Website Terms and your loan agreement, the loan agreement will prevail.

8. Third-Party Content

The Website may contain links to external websites for your convenience. Jingle does not control, endorse, or take responsibility for the content, availability, or accuracy of any third-party sites.

9. Website Availability and Security

We aim to maintain uninterrupted access to our Website. However, we do not guarantee continuous availability or that the Website is free from viruses, bugs, or errors. You are responsible for maintaining your own cybersecurity protections.

We may restrict or suspend access for maintenance, upgrades, or security reasons without notice.

10. Financial Advice Disclaimer

The content provided on this Website is general in nature and is not intended as financial, legal or tax advice. You should consider your own circumstances and obtain independent professional advice before making any decisions.

11. Limitation of Liability

To the maximum extent permitted by law, Jingle:

• excludes all warranties, express or implied;
• disclaims liability for any direct, indirect, or consequential loss arising from your use of this Website or its content.

Nothing in these Terms excludes any rights under the Australian Consumer Law.

12. Indemnity

You agree to indemnify Jingle, its employees, directors, contractors, and agents against all losses, liabilities, and expenses (including legal fees) arising from:

• your use of the Website;
• your breach of these Terms; or
• any misleading or inaccurate information you provide.

13. Accessibility

We are committed to making our digital services accessible to everyone. If you encounter accessibility issues, please contact us and we will provide the information in an alternative format.

14. Complaints

If you are dissatisfied with any aspect of your interaction with Jingle or this Website, please refer to our Complaints Handling Policy or contact us at complaints@jingle.com.au.

We are a member of the Australian Financial Complaints Authority (AFCA) and committed to resolving complaints fairly and efficiently.

15. Changes to Terms

These Terms may be updated at any time. The current version will always be available on the Website. Continued use of the Website after changes are posted indicates your acceptance of the revised Terms.

16. Governing Law

These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of that state and the Federal Court of Australia.

17. Contact Us

Jingle Finance Pty Ltd
ABN: 18 132 485 066
Australian Credit Licence: 388143
Email: hello@jingle.com.au
Phone: 1300 654 230
Mail: PO BOX 677, Templestowe VIC 3106