Last updated: February 13, 2026
Introduction
Welcome to the Settled With Joe website (“Website”). This Website is operated by JCF Finance Pty Ltd T/A Settled With Joe, Credit Representative Number 496121, authorized under Yellow Brick Road Aggregation (Australian Credit Licence 390261).
By accessing or using this Website, you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use this Website.
Use of this website
Permitted use
You may use this Website for lawful purposes only, including:
- Browsing information about our loan products and services
- Submitting enquiries about loans
- Completing loan application forms
- Accessing resources and information we provide
Prohibited use
You must not:
- Use the Website in any way that breaches any applicable laws or regulations
- Use the Website to transmit any harmful or malicious code
- Attempt to gain unauthorized access to the Website, servers, or databases
- Interfere with or disrupt the Website or servers
- Use automated systems (bots, scrapers, etc.) to access the Website without our permission
- Copy, reproduce, or distribute content from the Website without our permission
- Use the Website to send spam or unsolicited communications
- Impersonate any person or entity or misrepresent your affiliation with any person or entity
Intellectual property
Our content
All content on this Website, including text, graphics, logos, images, and software, is the property of JCF Finance Pty Ltd or our licensors and is protected by Australian and international copyright laws.
You may view and print content from the Website for your personal, non-commercial use only. Any other use requires our prior written permission.
Trademarks
“Settled With Joe” and our logo are trademarks of JCF Finance Pty Ltd. Yellow Brick Road and related trademarks are the property of Yellow Brick Road Aggregation. You may not use these trademarks without permission.
Information provided on this website
General information only
The information on this Website is general in nature and does not constitute financial advice. It is provided for informational purposes only and should not be relied upon as a substitute for professional financial advice tailored to your personal circumstances.
No guarantee of accuracy
While we make reasonable efforts to ensure the information on this Website is accurate and up to date, we do not guarantee its accuracy, completeness, or currency. Information about loan products, interest rates, fees, and eligibility criteria may change without notice.
Third-party information
Some information on this Website may relate to products offered by third-party lenders. We are not responsible for the accuracy of information provided by third parties or for the products and services they offer.
Your responsibility
Before making any financial decisions, you should:
- Read our Credit Guide
- Consider whether the products are appropriate for your circumstances
- Read the lender’s terms and conditions, target market determination, and product disclosure statement
- Seek independent financial and legal advice if needed
No financial advice
We are credit brokers, not financial advisers. We provide credit assistance services, not financial planning or investment advice.
Any information we provide about loan products is factual information only. We will assess your needs and circumstances to recommend suitable loan products, but this does not constitute financial advice.
You should consider obtaining independent financial advice before proceeding with any loan application.
Disclaimer of warranties
To the maximum extent permitted by law:
- This Website is provided “as is” without warranties of any kind, either express or implied
- We do not warrant that the Website will be available, uninterrupted, secure, or error-free
- We do not warrant that defects will be corrected or that the Website is free from viruses or other harmful components
- We make no warranties about the accuracy, reliability, or completeness of information on the Website
Limitation of liability
Consumer guarantees
Nothing in these Terms of Use excludes, restricts, or modifies any rights you may have under the Australian Consumer Law or other laws that cannot be excluded, restricted, or modified by agreement.
Liability exclusion
To the maximum extent permitted by law, we exclude all liability for any loss or damage of any kind (including consequential loss, loss of profits, loss of data, or business interruption) arising from:
- Your use of or inability to use the Website
- Any errors, omissions, or inaccuracies in the Website content
- Any unauthorized access to or use of the Website
- Any interruption or cessation of the Website
- Any viruses or malicious code transmitted through the Website
- Any action or decision made in reliance on information on the Website
Third-party links
The Website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party websites. Your use of third-party websites is at your own risk.
Privacy
Your use of this Website is subject to our Privacy Policy. By using the Website, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.
Please read our Privacy Policy to understand how we handle your personal information.
Electronic communications
When you use this Website or send us emails, you are communicating with us electronically. You consent to receive communications from us electronically, including via email or by posting notices on the Website.
You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Submissions and enquiries
Information you provide
When you submit an enquiry or application through the Website, you:
- Warrant that all information you provide is true, accurate, and complete
- Grant us permission to use this information for the purposes stated in our Privacy Policy
- Authorize us to contact you regarding your enquiry or application
No obligation
Submitting an enquiry through the Website does not create any obligation on us to provide services to you or on you to proceed with a loan application. We reserve the right to decline to provide services at our discretion.
Changes to these terms
We may update these Terms of Use from time to time. When we make changes, we will update the “Last updated” date at the top of this page.
Your continued use of the Website after changes are posted constitutes your acceptance of the updated Terms of Use. We encourage you to review these terms periodically.
Changes to the website
We reserve the right to:
- Modify, suspend, or discontinue the Website (or any part of it) at any time without notice
- Change the content, features, or functionality of the Website at any time
- Restrict access to parts of the Website or the entire Website at our discretion
Governing law
These Terms of Use are governed by the laws of New South Wales, Australia. You agree to submit to the non-exclusive jurisdiction of the courts of New South Wales for any disputes arising from these Terms of Use or your use of the Website.
Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
Credit services
Australian Credit Licence information
JCF Finance Pty Ltd T/A Settled With Joe is a credit representative (Credit Representative Number 496121) authorized under Yellow Brick Road Aggregation (Australian Credit Licence 390261).
We are authorized to provide credit assistance services for home loans, personal loans, business loans, and SMSF loans.
Credit Guide
Before providing credit assistance services, we will provide you with a Credit Guide that contains important information about:
- Who we are and how to contact us
- How we are authorized to act
- Who we act for
- How we are remunerated
- What to do if you have a complaint
Our obligations
We are required to comply with:
- The National Consumer Credit Protection Act 2009 (Cth)
- The National Credit Code
- The Australian Consumer Law
- Responsible lending obligations
- Best interests duty
Complaints
If you have a complaint about our services or this Website, please contact us:
Email: info@settledwithjoe.com.au
We will acknowledge your complaint and respond within 30 days.
If you are not satisfied with our response, you can contact:
Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Contact us
If you have any questions about these Terms of Use, please contact us:
JCF Finance Pty Ltd T/A Settled With Joe
Email: info@settledwithjoe.com.au
Website: www.settledwithjoe.com.au
Credit Representative Number: 496121
Australian Credit Licence Holder: Yellow Brick Road Aggregation (ACL 390261)
By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.