Welcome to www.monetalend.com.au (the “Website”), operated by Edge Bridge Pty Ltd, trading as MonetaLend (“MonetaLend,” “we,” “our,” or “us”). By accessing or using our Website, you agree to comply with these Terms of Use, as well as our Privacy Policy and any other policies referenced herein.

 

1. Acceptance of Terms

By using the Website, you confirm that you have read, understood, and agree to these Terms of Use. If you do not agree to these terms, please do not use our Website.

 

2. Eligibility

You must be at least 18 years old and a resident of Australia to use this Website and access our services. By accessing or using the Website, you represent that you are legally capable of entering into binding contracts under applicable law.

 

3. Use of the Website and Services

You may use the Website and our services for lawful purposes only. You agree not to:

     

      • Engage in any activity that could harm the Website, impair its functionality, or interfere with other users’ access.

      • Use the Website or services in a way that violates any local, state, or federal laws, including any laws of New South Wales.

      • Attempt to gain unauthorized access to any part of the Website, other accounts, or networks connected to the Website.

      • Use the Website or services for any purpose that is fraudulent, unlawful, or prohibited by these Terms of Use.

    4. Borrowing through MonetaLend

    MonetaLend provides a platform for users to apply for personal loans to manage credit card debts and other financial obligations. By applying for a loan through our Website, you agree to the following terms:

       

        • Accuracy of Information: You must provide accurate, current, and complete information in your loan application. Any false or misleading information may result in the rejection of your application.

        • Credit Assessment: MonetaLend will conduct a credit assessment based on the information you provide, including your credit history, income, and other financial obligations. By submitting an application, you consent to MonetaLend obtaining your credit report and conducting necessary checks.

        • Loan Agreement: If your application is approved, you will be required to enter into a formal loan agreement that outlines the specific terms and conditions of the loan, including the interest rate, repayment schedule, and any applicable fees.

        • Repayment Obligations: You are responsible for repaying the loan in accordance with the terms set out in the loan agreement. Failure to make timely repayments may result in additional fees, interest charges, and legal action.

        • Responsible Borrowing: MonetaLend promotes responsible borrowing and financial management. We encourage you to carefully consider your ability to repay the loan before applying and to seek independent financial advice if necessary.

      5. Account Registration

      To access certain features of the Website, including applying for a loan, you may need to create an account. You agree to:

         

          • Provide accurate, current, and complete information during the registration process.

          • Maintain the security of your account by not sharing your password with others.

          • Notify us immediately of any unauthorized use of your account.

        6. Intellectual Property

        All content on the Website, including text, graphics, logos, images, and software, is the property of MonetaLend or its content suppliers and is protected by Australian and international copyright laws. You agree not to reproduce, distribute, modify, or create derivative works from any content on the Website without prior written consent from MonetaLend.

         

        7. User Content

        If you submit or post any content to the Website, including feedback or comments, you grant MonetaLend a non-exclusive, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, publish, and distribute such content. You are solely responsible for the content you post and must ensure that it does not violate any laws or infringe on the rights of third parties.

         

        8. Privacy

        Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Website, you consent to the practices described in the Privacy Policy.

         

        9. Disclaimer of Warranties

        The Website and its content are provided “as is” without any warranties, either express or implied. MonetaLend does not warrant that the Website will be error-free, secure, or uninterrupted, or that any defects will be corrected. Use of the Website is at your own risk.

         

         

        10. Limitation of Liability

        To the extent permitted by law, MonetaLend will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website or any content on the Website. This includes any loss of data, profits, or goodwill.

         

        11. Indemnification

        You agree to indemnify and hold harmless MonetaLend, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, or expenses arising out of your use of the Website or violation of these Terms of Use.

         

        12. Third-Party Links

        The Website may contain links to third-party websites. These links are provided for your convenience only, and MonetaLend does not endorse or assume any responsibility for the content or practices of these websites. Accessing third-party websites is at your own risk.

         

        13. Governing Law

        These Terms of Use are governed by the laws of New South Wales, Australia, without regard to its conflict of law principles. Any disputes arising from or relating to these Terms of Use will be subject to the exclusive jurisdiction of the courts in New South Wales.

         

        14. Changes to Terms of Use

        MonetaLend reserves the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website after any changes indicates your acceptance of the new Terms of Use.

         

        15. Termination

        MonetaLend may terminate or suspend your access to the Website at any time, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users of the Website, us, or third parties.

         

        16. Contact Information

        If you have any questions about these Terms of Use, please contact us at support@monetalend.com.au.