Terms & Conditions
Last Updated: 19 August 2026
These Terms & Conditions (“Terms”, “Terms and Conditions”) govern your use of the RADCAM Financial Services website and your interactions with RADCAM Financial Services (“RADCAM”, “we”, “us”, or “our”).
By accessing or using our website, submitting an enquiry, requesting information, completing a finance assessment, booking a consultation or using any service provided through our website, you agree to these Terms.
If you do not agree with these Terms, please do not use our website or services.
1. About RADCAM Financial Services
RADCAM Financial Services provides finance brokerage and related services to individuals, business owners, self-employed clients, investors and other customers seeking finance solutions.
Our services may include assistance with:
- Car and vehicle finance
- Equipment and asset finance
- Leasing and rent-to-own solutions
- Specialist mortgage solutions
- Business finance
- Commercial finance
- Investment finance
- Refinancing
- Other finance solutions depending on your circumstances
RADCAM acts as a finance broker/intermediary and is not itself a lender unless expressly stated otherwise.
2. Use of Our Website
You may use our website for lawful purposes and in accordance with these Terms.
You must not:
- Use the website for unlawful purposes
- Attempt to gain unauthorised access to our systems
- Interfere with website security or functionality
- Introduce malicious software or harmful code
- Copy or reproduce website content without permission
- Use automated systems to scrape or extract website content without permission
- Provide false, misleading or fraudulent information
- Use our website to impersonate another person or organisation
We may restrict or terminate access to the website where we reasonably believe these Terms have been breached.
3. Website Information
The information provided on this website is intended for general information purposes.
Website content may include information about finance, lending, business finance, property, equipment finance and related topics.
While we take reasonable care to keep information accurate and current, we do not guarantee that all information will always be complete, accurate, current or suitable for your individual circumstances.
Financial circumstances and lending requirements vary between individuals, businesses and lenders.
You should obtain professional advice relevant to your circumstances before making financial or lending decisions.
4. No Guarantee of Finance Approval
Submitting an enquiry, completing a finance assessment or speaking with RADCAM does not guarantee that finance will be approved.
Any finance outcome may depend on factors including:
- Your financial position
- Income
- Expenses
- Assets and liabilities
- Credit history
- Business circumstances
- Loan purpose
- Deposit or contribution
- Security
- Lender requirements
- Supporting documentation
- Applicable lending policies
Final approval decisions are made by the relevant lender or finance provider.
RADCAM does not guarantee approval, interest rates, loan amounts, repayment amounts or settlement dates unless expressly confirmed in writing by the relevant party.
5. Finance Assessments
RADCAM may provide an initial assessment of your finance circumstances.
An assessment may consider information such as:
- Your income
- Expenses
- Assets
- Liabilities
- Existing finance
- Business information
- Credit circumstances
- Finance objectives
- Amount required
- Type of finance required
An assessment is not itself a formal approval or commitment to provide finance.
Any preliminary indication provided through the website, by email, telephone or during a consultation may change following verification of information and lender assessment.
6. Finance Applications
Where you instruct RADCAM to assist with a finance application, you agree to provide information that is accurate, complete and not misleading.
You are responsible for promptly informing RADCAM if any material information changes.
This may include changes to:
- Employment
- Income
- Business circumstances
- Assets
- Liabilities
- Property ownership
- Credit circumstances
- Contact details
- Finance requirements
Providing false or misleading information may affect your application and may have legal or financial consequences.
7. Lender and Finance Provider Relationships
RADCAM may introduce or submit your finance application to one or more lenders or finance providers.
Different lenders may have different:
- Lending criteria
- Interest rates
- Fees
- Eligibility requirements
- Documentation requirements
- Approval processes
- Loan structures
- Terms and conditions
RADCAM does not control the policies or decisions of third-party lenders.
Where relevant, RADCAM may receive a commission, fee or other benefit from a lender or finance provider in connection with a finance transaction, subject to applicable disclosure requirements.
8. Information and Documentation
You may be asked to provide supporting documents in connection with your finance requirements.
These may include:
- Identification
- Payslips
- Bank statements
- Tax returns
- Notices of assessment
- Business financial statements
- BAS information
- Asset quotations
- Property information
- Existing loan statements
- Other documents required by a lender
You are responsible for ensuring that documents and information provided to RADCAM are accurate and genuine.
RADCAM may request additional information or documentation where required to assess or process your finance application.
9. Third-Party Services
Our services may involve third parties, including:
- Banks
- Finance providers
- Specialist lenders
- Non-bank lenders
- Mortgage managers
- Finance aggregators
- Valuers
- Settlement providers
- Accountants
- Financial advisers
- Solicitors
- Technology providers
- Electronic-signature providers
- Document management providers
Your dealings with third parties may be subject to their own terms, conditions and privacy policies.
RADCAM is not responsible for terms or services provided independently by third parties.
10. Calculators and Online Tools
Our website may provide calculators, assessments, comparison tools, forms or other interactive features.
These tools may provide estimates or indicative results based on information entered by you.
Results are not financial approval, lender approval or a guarantee of any particular finance outcome.
Actual rates, fees, repayments, borrowing capacity and loan structures may differ.
You should confirm any finance figures with RADCAM or the relevant lender before relying on them.
11. Finance Information and Educational Content
RADCAM may publish articles, guides, insights, calculators and educational resources.
This content is provided for general information and educational purposes.
It should not be interpreted as:
- Personal financial advice
- Legal advice
- Tax advice
- Accounting advice
- A recommendation to enter into a particular loan
- A guarantee of finance approval
Your individual circumstances should be considered before making a financial decision.
12. Quotes and Estimates
Any quote, estimate, repayment figure, interest rate or finance scenario displayed on our website or communicated during an initial enquiry may be indicative only.
A final finance offer may depend on lender assessment, verification of information and applicable lender policies.
Unless expressly confirmed in writing, website estimates do not constitute a binding offer of finance.
13. Appointments and Consultations
Where RADCAM provides appointment booking functionality, appointments are subject to availability.
We may contact you to confirm, change or reschedule an appointment.
You should provide accurate contact information when booking.
RADCAM may cancel or reschedule an appointment where reasonably necessary.
14. Communications
By submitting an enquiry or requesting our services, you agree that RADCAM may contact you using the contact details you provide.
Communications may include:
- Telephone calls
- Emails
- SMS
- WhatsApp or other messaging platforms
- Appointment reminders
- Finance application updates
- Requests for additional documentation
- Information relating to your finance enquiry
Marketing communications will be handled in accordance with applicable privacy and marketing requirements.
You may opt out of marketing communications where applicable.
15. Privacy
Your use of the website and provision of personal information is also subject to our Privacy Policy.
Our Privacy Policy explains how we collect, use, store and disclose personal information.
You can review the Privacy Policy through the relevant link on our website.
16. Intellectual Property
Unless otherwise stated, the content of this website is owned by or licensed to RADCAM.
This may include:
- Text
- Logos
- Branding
- Graphics
- Images
- Videos
- Website design
- Layouts
- Articles
- Guides
- Downloads
- Software and website functionality
You may view and use the website for your personal or legitimate business purposes.
You must not reproduce, modify, distribute, publish, sell or commercially exploit our website content without our prior written permission.
17. Third-Party Links
Our website may contain links to third-party websites.
These links may be provided for convenience or additional information.
RADCAM does not necessarily endorse or control third-party websites.
We are not responsible for:
- Third-party website content
- Security
- Availability
- Privacy practices
- Terms and conditions
- Products or services provided by third parties
You access third-party websites at your own risk.
18. Website Availability
We aim to keep our website available and operating properly.
However, we do not guarantee that the website will always be:
- Available
- Error-free
- Secure
- Uninterrupted
- Free from viruses or harmful components
We may temporarily suspend or modify the website for maintenance, upgrades, security or other operational reasons.
19. Limitation of Liability
To the extent permitted by law, RADCAM will not be liable for losses arising from:
- Reliance on general website information
- Inaccurate information supplied by a user
- Lender decisions
- Changes in lender policies
- Finance application delays
- Third-party services
- Website interruptions
- Technical failures
- Third-party website content
- Events outside our reasonable control
Nothing in these Terms is intended to exclude, restrict or modify any rights or remedies that cannot lawfully be excluded under applicable Australian law.
20. Australian Consumer Law
Nothing in these Terms is intended to exclude or limit any rights, guarantees or protections available to you under the Australian Consumer Law or any other applicable law where such rights cannot legally be excluded.
Where a law implies a guarantee, condition or right that cannot be excluded, these Terms are subject to that requirement.
21. Indemnity
To the extent permitted by law, you agree to indemnify RADCAM and its officers, employees and representatives against losses, claims, liabilities or expenses arising from your:
- Breach of these Terms
- Misuse of the website
- Provision of false or misleading information
- Unauthorised use of website content
- Violation of applicable laws or third-party rights
This clause does not apply to the extent that the relevant loss results from RADCAM’s own unlawful conduct or negligence.
22. Changes to These Terms
RADCAM may update these Terms from time to time.
Changes may be made to reflect:
- Changes to our services
- Changes to website functionality
- Changes to business practices
- Changes to legal requirements
- Changes to regulatory requirements
The updated Terms will be published on this page with the relevant “Last Updated” date.
Your continued use of the website after an update may constitute acceptance of the updated Terms, to the extent permitted by law.
23. Governing Law
These Terms are governed by the laws applicable in the Australian Capital Territory, Australia.
You agree that disputes relating to these Terms or your use of the website will be subject to the applicable courts and tribunals of the Australian Capital Territory, subject to any mandatory rights you may have under Australian law.
24. Complaints and Dispute Resolution
If you have a complaint about RADCAM’s services, finance assistance or your experience with us, we encourage you to contact us first so that we can investigate and respond to your concerns.
Where applicable, complaints may also be handled through relevant external dispute resolution or regulatory channels.
Information about our complaints process and relevant external dispute resolution arrangements should be obtained from RADCAM based on the applicable finance service and licence arrangements.
25. Contact Us
If you have questions about these Terms & Conditions, please contact RADCAM Financial Services.
RADCAM Financial Services
Phone:
+61 451 565 451
Email:
anas@radcamfs.com.au
Address:
Unit 1-4/15 Tench St, Kingston, Canberra, ACT 2604, Australia
Website:
RADCAM Financial Services
Important Notice
These Terms & Conditions are a website-use and service-information draft prepared for RADCAM Financial Services.
Before publication, RADCAM should have the document reviewed by an Australian legal/compliance professional to ensure it accurately reflects:
- RADCAM’s current Australian Credit Licence or credit representative arrangements
- Aggregator relationships
- Lender panel
- Commission and fee disclosures
- Complaints and external dispute resolution arrangements
- Actual finance services
- Website functionality
- Applicable Australian financial services and consumer laws
Where there is any inconsistency between these Terms and a specific finance contract, lender agreement or legally binding document, the relevant contract or applicable law will prevail.