TERMS AND CONDITIONS
My Family Finance | myfamilyfinance.com.au
Effective Date: 1 July 2026 | Last Updated: July 2026

By accessing our website or using our services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our website or services.

1. About Us

My Family Finance is an Australian financial services firm headquartered in Point Cook, Victoria, Australia, led by Prashant Nand (Managing Director) with over 20 years of experience helping Australian families achieve debt freedom, build lasting wealth, and secure their financial future.

Business Name: My Family Finance
Website: myfamilyfinance.com.au
Location: Point Cook, Victoria, Australia
Contact: Via the Contact page on our website

2. Acceptance of Terms

By visiting myfamilyfinance.com.au, submitting an enquiry, booking a consultation, or engaging our services, you confirm that:

• You are at least 18 years of age.
• You have read, understood, and agree to these Terms and Conditions.
• You agree to our Privacy Policy, which forms part of these Terms.
• These Terms apply to all visitors, clients, and users of this website.

3. Services Offered

My Family Finance provides the following services to individuals, families, and small businesses across Victoria and Australia:

• Home Mortgage Loans and Home Loan Brokerage
• Mortgage Refinancing and Loan Comparison
• Debt Management, Debt Consolidation and Debt Counselling
• Budgeting, Cash Flow Management and Debt Repayment Planning
• Personal Financial Advisory and Financial Planning
• Investment Advisory including Property, Stocks and Managed Funds
• Retirement Planning and Superannuation Advice
• Self-Managed Super Fund (SMSF) Setup, Management and Compliance
• Asset Finance and Business Loans
• Car and Vehicle Finance
• Family Office Wealth Management
• Financial Education, Coaching and Literacy Programs
• Referred Services including Legal Assistance, Accounting and Property Management

My Family Finance reserves the right to modify, suspend, or discontinue any service at any time without prior notice.

4. General Information & Financial Advice Disclaimer

⚠️ IMPORTANT DISCLAIMER

The information published on myfamilyfinance.com.au is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your personal objectives, financial situation, or specific needs.

Before acting on any information on this website, you should consider whether it is appropriate for your circumstances. We strongly recommend seeking independent financial, legal, and tax advice before making any financial decisions.

Formal financial advice provided as part of a paid engagement is delivered in accordance with the Corporations Act 2001 (Cth) and the National Consumer Credit Protection Act 2009 (Cth).

5. Website Use and Acceptable Conduct

When using myfamilyfinance.com.au, you agree to:

• Use the website only for lawful purposes.
• Not attempt unauthorised access to any part of our website or servers.
• Not use bots, scrapers, or automated tools to extract data.
• Not upload malicious code, viruses, or harmful content.
• Not misrepresent your identity or impersonate any person.
• Not use the website to transmit unsolicited commercial communications.

My Family Finance reserves the right to suspend or terminate access for any user who violates these conditions.

6. Enquiries, Consultations and Appointments

Submitting an enquiry form or booking a consultation does not constitute a formal engagement or create a client-adviser relationship. A formal engagement is only established upon execution of a written service agreement.

Initial consultations may be offered at no charge at our discretion. Any applicable fees will be communicated and agreed in writing prior to commencement of services.

7. Fees, Payments and Refunds

• All fees are quoted in Australian Dollars (AUD) and specified as inclusive or exclusive of GST.
• Payment terms are outlined in your individual service agreement.
• Mortgage brokerage services may be remunerated via lender commission, which will be disclosed in your Statement of Credit Assistance.
• Refund requests are assessed case-by-case. Fees earned for services already rendered are generally non-refundable unless agreed in writing.
• My Family Finance does not guarantee specific financial outcomes, investment returns, or loan approvals, as these are subject to lender discretion and market conditions.

8. Intellectual Property

All content on myfamilyfinance.com.au — including text, graphics, logos, images, calculators, guides, blog articles, and website design — is the intellectual property of My Family Finance and is protected under Australian copyright law.

You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent. Personal, non-commercial reference use is permitted with proper attribution.

9. Privacy and Data Collection

My Family Finance is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

We may collect:

• Your name, email address, phone number, and postal address.
• Financial information relevant to providing our services.
• Website usage data including IP address, browser type, and pages visited.
• Any information you voluntarily provide via forms or consultations.

We use this information to provide services, respond to enquiries, improve our website, and meet legal obligations. We do not sell your personal information to third parties. Our website may use cookies to enhance your experience. You may disable cookies in your browser settings.

10. Third-Party Links and Referred Services

Our website may contain links to third-party websites including lenders, legal firms, accountants, and property management providers. These links are provided for convenience only. My Family Finance does not endorse or take responsibility for any third-party website or service.

Where we refer you to a third-party provider, that referral does not guarantee the quality or suitability of their services. Please conduct your own due diligence before engaging any referred provider.

11. Limitation of Liability

To the maximum extent permitted by Australian law, My Family Finance and its directors, employees, advisors, and agents will not be liable for:

• Any direct, indirect, incidental, or consequential loss arising from use of our website or services.
• Financial loss resulting from investment decisions, loan outcomes, or market conditions.
• Errors, omissions, or inaccuracies in website content.
• Temporary unavailability of the website due to technical issues or circumstances beyond our control.
• Actions or omissions of third-party providers referred by My Family Finance.

Nothing in these Terms limits any rights you hold under the Australian Consumer Law.

12. Indemnity

You agree to indemnify and hold harmless My Family Finance, its directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your breach of these Terms, misuse of the website, or violation of any applicable law or third-party rights.

13. Changes to These Terms

My Family Finance reserves the right to update these Terms and Conditions at any time. Changes take effect immediately upon publication on myfamilyfinance.com.au. The last updated date will always be shown at the top of this page. Continued use of our website constitutes acceptance of the revised Terms.

14. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the State of Victoria, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Victoria and the Federal Courts of Australia.

15. Complaints and Dispute Resolution

If you have a complaint about our services:

1. Contact us directly via the Contact page on myfamilyfinance.com.au. We aim to acknowledge complaints within 2 business days and resolve them within 10 business days.
2. If unresolved, you may contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or call 1800 931 678.

16. Contact Us

My Family Finance
Managing Director: Prashant Nand
Website: myfamilyfinance.com.au
Location: Point Cook, Victoria, Australia
Enquiries: Via the Contact page on our website

© 2026 My Family Finance. All Rights Reserved. These Terms and Conditions were last updated in July 2026.