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Website Terms of Use

This website is owned and operated by Wisr Finance Pty Ltd ("Wisr") ACN 119 503 221 Wisr holds copyright over the contents of this website unless indicated otherwise.

Your use of, or access to, the Wisr website ("this website") is conditional upon your acceptance and compliance with the terms, conditions and disclaimers ("terms of use") contained within this document and elsewhere on this website. Wisr shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these terms of use without notice or liability to you. Any changes to these terms of use shall take effect immediately.

Advice Warning

This website contains general information about Wisr products and services; however, unless expressly stated otherwise, this information does not constitute an offer or inducement to enter into a legally binding contract, and does not form part of the terms and conditions for Wisr products and services. The information provided on this website is not intended as, nor is it a substitute for, personal financial product advice. As this website has been prepared without consideration of any specific client's investment objectives, financial situation or needs, independent professional advice should be obtained before any financial decision is made.

Reliance on Website Content

While all reasonable efforts have been made to ensure that the information contained in this website is accurate and up to date, it is not designed to provide personal financial advice. The information provided does not take into account your particular financial objectives, situation, or needs. You should not act on the basis of any information contained on the website without seeking appropriate specific advice.

While Wisr has made every effort to ensure that the information presented in this website is free from errors or omissions and is based on information obtained from sources which are considered reliable, Wisr, its directors, employees and consultants do not represent, warrant or guarantee, expressly or impliedly, that the information contained in this website is complete, accurate or is suitable for your intended use. Nor does Wisr accept any responsibility to inform you of any matter that subsequently comes to its notice, which may affect any of the information contained in this website. No liability will be accepted by Wisr to any person for loss or damages incurred as a result of any reliance or action taken regarding the information made available in this website.

Network Integrity

While Wisr has taken reasonable steps to ensure the integrity of our computer networks, we are unable to guarantee files and attachments are free from contamination. Before opening any attachments or emails, or downloading files from this website, visitors to the Wisr website should ensure they have precautions in place to protect against viral infection.

Linked Third Party Websites

The Wisr website may contain links to other websites, however, we do not endorse, review, approve or accept any responsibility in relation to the operators of linked third party sites or the information and material on such sites, nor the products or services offered. To the extent permitted by law, Wisr and its respective directors, officers and agents disclaim all responsibility for any loss or damage which may be suffered by any person directly or indirectly through any person's dealings with them or by use of the website whether that loss or damage is caused by any fault or negligence on the part of Wisr, its directors, officers, employees and agents.

Indemnity

Other than any responsibilities implied by law which cannot be excluded, you agree to indemnify and hold Wisr, its affiliates, staff, employees, and agents harmless from any claim or demand, including reasonable legal fees, whatsoever arising out of or referable to material on this website or to any linked third party material, whether in contract, tort including negligence, statute or otherwise.

You expressly understand and agree that your use of the service is at your sole risk and that this website is provided on an "as is" and "as available" basis.

Jurisdiction

All information and services contained within this website are governed by and are to be construed according to the laws applicable in the State of New South Wales and the Commonwealth of Australia.

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α: When comparing Wisr's lowest rate on an unsecured loan to similar products from competing lenders, as at July 2016.

^: Excludes any additional fees and charges that may apply, which may reduce the maximum loan amount.

#: The rate offered to consumers is based on Wisr's credit assessment. More Information

The results from loan calculator are for purposes of illustration only and do not constitute an offer of credit. All applications for credit are subject to Wisr's normal credit approval criteria.

1: This rate applies only to borrowers with strong credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but do not meet the requirements for our lowest rates. Click here to view our full rates table.

2: Comparison rate(s) based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.

3: Comparison rate(s) based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.

* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan

Note: All rates mentioned on this website are calculated on a per annum basis.