Terms & Conditions

About these terms

These terms govern your use of the Approov website and platform. By using our website or engaging our broking services, you agree to these terms. If you do not agree, please do not use our services.

Who we are

Approov is a mortgage broking service that operates under Loan Market Group, Australian Credit Licence [ACL Number]. Craig Vaughan is an authorised credit representative (CRN: [CRN Number]). All lending recommendations are made by licensed brokers in accordance with the National Consumer Credit Protection Act 2009.

Our services

Approov provides mortgage broking services for property investors and home buyers in Australia. We compare loan products from our panel of 30+ lenders, recommend suitable options, and manage the application process on your behalf. Our AI platform assists with processing, updates, and monitoring, but all credit decisions and recommendations are made by licensed brokers.

General information only

Content on this website, including articles and guides, is general information only. It does not constitute personal financial advice and does not take into account your individual objectives, financial situation, or needs. Before making any financial decision, you should consider whether the information is appropriate for your circumstances and seek independent advice if needed.

No guarantee of loan approval

We do not guarantee that any loan application will be approved. Lending decisions are made by the relevant lender based on their own assessment criteria, policies, and the information you provide. We will work to present your application in the strongest possible way, but approval is ultimately at the lender's discretion.

Your responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Notify us of any changes to your financial circumstances during the application process
• Review all loan documentation carefully before signing
• Not use our website or platform for any unlawful purpose

Fees and commissions

Approov may receive commissions from lenders when a loan settles. We will disclose the nature and amount of any commissions or fees before you proceed with a loan application, in line with our regulatory obligations. Full details are provided in our Credit Guide, which is available on request.

Intellectual property

All content on this website, including text, graphics, logos, and software, is owned by Approov or its licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, or modify any content without our written permission.

Website availability

We aim to keep the website and platform available at all times but do not guarantee uninterrupted access. We may suspend or modify the website for maintenance, updates, or other reasons without notice.

Limitation of liability

To the extent permitted by law, Approov is not liable for any loss or damage arising from your use of this website, reliance on its content, or any interruption to the service. This does not affect any rights you have under the Australian Consumer Law that cannot be excluded.

Third-party links

Our website may contain links to external websites. We are not responsible for the content, privacy practices, or availability of those sites. Linking to a third-party site does not imply endorsement.

Changes to these terms

We may update these terms from time to time. Changes take effect when published on this page. We recommend checking this page periodically. Continued use of our services after changes are published constitutes acceptance of the updated terms.

Governing law

These terms are governed by the laws of the State of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of New South Wales.

Contact us

If you have questions about these terms, contact us at approov.com.au/contact.