Welcome to Doorsteps!
We are passionate about making buying and selling easier for Australians. To do so, we want to provide you with simple and effective online mortgage brokering and loan solutions.
Doorsteps Finance Pty Ltd ACN 648 541 879 is a credit representative of Doorsteps Solutions Pty Ltd ABN 60 654 334 246, the holder of Australian Credit Licence 537369. Doorsteps Finance Pty Ltd is authorised under credit representative number 531036. Doorsteps Finance Pty Ltd and Doorsteps Solutions Pty Ltd are wholly owned by OpenAgent Pty Ltd.
Unless otherwise stated, these terms and conditions apply to this website, including any microsites and mobile websites, as well as any mobile applications operated by us or on behalf of us.
If you are using our products and services on behalf of someone else (including another entity) you may only do so if you have the authority to bind that third party to these Terms . By accepting these Terms, you represent and warrant to us, that you are authorised to do so on behalf of that third party (and all references to you in these Terms refer to that third party).
What this means is that these Terms govern your use of our products and services. If you use our online mortgage broking service or any other services, we may ask you to agree to separate terms and conditions, which will apply alongside these ones (Other Terms).
If there is any inconsistency between these Terms and Other Terms, the provisions of these Terms will prevail to the extent permitted by law or as set out by the Other Terms.
Changes to these Terms.
We may revise these Terms from time to time by updating our website. If you don’t agree with the amended terms, you must stop using our services at any time.
You should review these Terms periodically so that you are updated on any changes. Any variation or change will be effective immediately. Any material revisions of the Terms which will have a material and detrimental impact on your rights and obligations will be notified to you by a posting on the website, via e-mail or any other means.
You should review these Terms periodically so that you are updated on any changes. Any variation or change will be effective immediately. Any material revisions of the Terms which will have a material and detrimental impact on your rights and obligations will be notified to you by a posting on our products and services, via e-mail or any other means.
Long-term, we’d like to be able to help all Australians. For the time being however, our products and services are available to Australian residents and citizens aged 18 and above, who satisfy eligibility criteria as set out in our products and services.
5.1. You must register with Doorsteps in order to make use of our products and services.
5.2. Registration is free. By registering you accept that:
5.3. We reserve the right to verify all potential registrations in order to maintain quality of our services offered through the website We may contact you by telephone or email to verify that your registration information is accurate and correct before engaging with you.
5.4. By providing a contact number, you expressly authorise and consent to receiving calls and electronic messaging from us, including direct contact on a Sunday.
5.5. At the beginning of each phone call to you, we will notify you that the phone call will be recorded. Subject to any notification from you to us by you that the phone call should not be recorded, you agree to the recording of inbound and outbound phone calls between you and us for the purposes of the stated purposes.
5.6 You accept that you are responsible for maintaining the confidentiality of your login details to any of our products and services, including your user name and password, and as such, you agree that we will not be liable for any loss or damage of any kind arising from your failure to maintain the confidentiality of your login details.
5.7. We may terminate your use and access to our products and services at any time, for any reason and without notice including but not limited to the following reasons:
6.1. The Services is intended for use only within Australia. Any information on our products and services is only valid for Australian residents unless otherwise stated and noted separately to you in writing. For example, our products and services will contain information on their use separately, which you must agree to before entering into a contract with us.
6.2. The information on any secured parts of our products and services (i.e. accessible following authorised use of your login details), may be more tailored to your needs. You should still carefully consider its appropriateness (such as having regard to your circumstances) before acting on it. We encourage you to seek independent, professional advice before taking any action.
6.3. The information on our products and services are of a general nature (for example, regarding our products and services) and does not comprise professional advice or product recommendation. In preparing the information on our products and services (including any information derived from online tools such as calculators), we have not taken into consideration your objectives, financial situation or needs. The provision of such information is for your personal use and should only be used for general research.
6.4. Unless otherwise stated, any quote that you may obtain via our products and services is for illustrative purposes only and are estimates. You should carefully consider whether the information on our products and services is appropriate to you in light of your particular objectives, financial situation and needs. You must review any relevant disclosure document relating to a product or service and obtain independent, professional advice before making any financial decision
6.5. In your use of online calculators the general information provided includes reference to applicable fees, taxes. interest rates or charges which may or may not apply. It does not take into account your objectives, financial situation and needs. The actual interest rate, repayments and similar amounts will depend on the credit assessment conducted on your application and will be provided to you separately in writing. Separate terms, conditions, fees and charges will apply.
6.6. Further, any information provided by an online calculator should not be relied on or treated as a substitute for professional advice relevant to your particular circumstances. The general information on the Website does not amount to an offer or application and has no legal effect on any contracts entered into by you with any credit or finance provider.
6.7. Doorsteps accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the loan calculator. The information used within a loan calculator may change at any time without notice to you.
6.8. We make no representations, warranties or guarantees, whether express or implied, that the general information provided on the Website is accurate, complete or up-to-date. To the extent permitted by law, Doorsteps expressly excludes any liability for any loss or damage howsoever arising suffered in connection with your use of or reliance on information provided on our products and services .
6.9. You accept sole risk and responsibility for all decisions you make in connection with, or reliance on, our products and services.
6.10. You accept that you should consult a professional valuer or real estate agent to receive advice on the value of a real estate property.
6.12. The information on any secured parts of the Website (i.e. accessible following authorised use of your login details), may be more tailored to your needs. You should still carefully consider its appropriateness (such as having regard to your circumstances) before acting on it. We encourage you to seek independent, professional advice before taking any action.
7.1. In this Clause 7, Credit Partner means a credit provider or a commercial partner that engages in credit activities other than as a credit provider.
7.2. In limited circumstances, we may provide you with Services in connection with a Credit Partner. We will not pass on your name, contact details or a description of the purpose for which you may want the credit to a Credit Partner without your consent.
7.3. Our appointed representatives may perform limited sales, distribution, and servicing type activities in relation to products and services for vendor finance costs related to the sale and purchase of property (ListSure Products), as provided by ListSure Retail Finance Pty Ltd ACN 655 912 977, the holder of Australian Credit Licence No. 536827 (ListSure). You will receive information on the referral and distribution relationship at the time of referral of ListSure Products as well as through disclosure documentation provided by us and/or ListSure.
7.4. To the extent that any data, ratings or commentary constitutes general advice, this does not take into account your financial circumstances or needs. Any such information provided on and available from Credit Partners does not constitute credit, financial, taxation or other professional advice from Doorsteps and should not be relied upon as such. Any information provided on the Website regarding a Credit Partner’s product and service information is for general purposes only.
7.5. We do not warrant the accuracy of any information on a Credit Partner and recommend that you confirm it with the Credit Provider before acting on it. We also recommend that, before you make any credit or financial decision, you seek independent professional advice from a suitably qualified adviser.
8.1. We provide a platform for you to communicate with other users to facilitate the sale and purchase of real estate property. It includes marketing and advertising services. We act as a third-party facilitator and are not a party to any real estate transaction that may take place following interactions on our platform.
8.2. By using the Off-Market Network you accept and agree to the following:
a) Doorsteps remains independent from any advice, content, correspondence, information or representations given therein by either a real estate agent, a buyer or a vendor in connection with the website;
b) if you are a vendor, you must:
i. prepare a contract for sale for the sale of the registered property which is listed on our Website that meets the requirements at law; and
ii. any details or information provided to us about your property is complete, true and accurate in all material respects.
c) if you are a potential purchaser of property, you warrant that:
i. you are a genuine potential purchaser of property; and
ii. the details or information you provide to us about your purchase specifications is complete, true and accurate in all material respects.
d) your use of the Website will result in your personal information being shared with a real estate agent, vendor and/or buyer (without limitation).
e) any outcomes facilitated by our provision of the Website are subject to and conditional upon a valid contract of sale being entered into.
f) A contract of sale is subject to and conditional on the following:
For certainty: Doorsteps is not a party to any contract of sale entered into by users of the Website.
8.3.Doorsteps reserves the right to change or discontinue any website, feature or service (including pricing for any chargeable feature or service) on the Website at any time.
8.4. You agree not to provide User Content on the Website that is incorrect or likely to create a false impression or is or likely to be construed as misleading and deceptive. This includes advertising the price of a property that is less than a reasonable estimate of the property’s likely selling price.
9.1. We and/or our associated or related entities retain all rights, title, and interest in and to the Website’s intellectual property, and nothing you do on or in relation to the Website will transfer any rights, in the intellectual property or otherwise, to you, or license to you any such rights unless expressly stated otherwise in these Terms.
9.2. We grant to you a worldwide, royalty-free and non-exclusive licence to view and use our Website for the term of your registration, and only for the limited purpose of receiving the benefit of the Website as contemplated by us, and subject to your compliance with these Terms.
9.3. To the fullest extent of the law, you waive any moral rights (as defined by the Copyright Act 1968) in User Content for the purposes of its submission to or publication on the Website, as well as its general use by us.
9.4. You must not use or duplicate the Website, or material on the Website without our express written consent. You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use and you may draw the attention of others to content posted on our Website. However, our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.
9.5. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
9.6. If we provide social media features such as the ability to share content, you may take such actions as are enabled by such features.
9.7. You must not delete or alter any copyright, trade mark or other proprietary rights notices from copies of materials from this Website.
9.8. Clause 10 and 11 apply to User Content submitted on the Website.
10.1. This Website may include information and materials uploaded by other users of the Website, including to comment threads. This information and these materials have not been verified or approved by us. The views expressed by other users on our Website do not represent our views or values.
10.2. This Website may contain comment threads, personal web pages or profiles, forums, bulletin boards and other interactive features (collectively, Interactive Services) that allow users to post, submit, publish, display or transmit to other users or other persons (post) content or materials (collectively, User Contributions) on or through the Site.
10.3. If you post User Content, you must also have all necessary third-party permissions and licenses. If we are notified by a third-party that any content infringes intellectual property rights, we may in our sole discretion remove such content from our Website, or take other steps that we deem appropriate, without prior notification to the user who supplied or posted that content.
10.4. All User Contributions must comply with the content standards set out in Clause 11 of these terms.
10.5. Any User Contribution you post to the Website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, however by providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors and assigns the right to use, reproduce, modify, perform, display, distribute and otherwise disclose to third parties any such material for any purposes.
10.6. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Website constitutes a violation of their intellectual property rights, or of their right to privacy.
10.7. We have the right to remove any posting you make on our Website if, in our opinion, your post does not comply with the content standards in Clause 11 of these terms.
10.8. You are solely responsible for securing and backing up your content.
10.9. You represent and warrant to us that:
10.10. We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Site.
10.11. We have the right to remove, refuse to post or take any action with respect to any User Contributions for any or no reason at our sole discretion. If you wish to complain about information and materials uploaded by other users please contact us on email@example.com
11.1. The content standards in this clause 11 apply to any and all User Contributions and use of social media features. User Contributions must in their entirety comply with all applicable federal, state, local and international laws and regulations. In particular, you warrant that your User Contributions will not:
11.2. Whenever you make use of a feature that allows you to upload content to our Website, or to make contact with other users of our Website, you must comply with the content standards in this clause 11.
11.3. You warrant that any such contribution complies with these standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty. We may report any breach of your warranty to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately.
12.1. In no event will we, our affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, our Website, any websites linked to it, any content on our Website or such other websites or any Services or items obtained through our Website or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
12.2. Nothing in this clause affects any liability which cannot be excluded or limited under applicable law. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. Where our liability cannot be excluded, we limit our liability to the fullest extent permitted by the Australian Consumer Law.
12.3. You agree to defend, indemnify and hold us, our affiliates, licensors and service providers, and each of their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns, harmless from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these terms or your use of the Site, including, but not limited to your User Contributions, your use of any information obtained from the Website and any use of the Website’s content, services and products other than as expressly authorised in these terms.
12.4. Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any service to you, which will be set out in our terms governing the provision of that service.
12.5. If you have rights in relation to the supply of Services that cannot lawfully be excluded, to the extent permitted by law, our liability in respect of any such right is limited to the lesser of:
the payment of the cost of having them supplied again.
.12.6. If you have rights in relation to any information used by you as a consequence of your use of our products and services that cannot lawfully be excluded, to the extent permitted by law, our liability in respect of any such right is limited to the lesser of:
12.7. Use of the content and any use of our products and services generally are at your sole risk. For example, as you may not always be able to access our products and services as a result of scheduled or unscheduled maintenance, or for other reasons, you should consider this in situations that are time-sensitive such as when you need to provide us with information by a particular date and time.
12.8. We do not guarantee that our Website will be secure or free from bugs or viruses or any other type of malicious code or software. You are responsible for configuring your technology to access our Website. You should use your own antivirus software.
13.1. You may use the Website only for lawful purposes and in accordance with these terms. You agree not to use the Website:
13.2. Additionally, you agree not to:
13.3. We may report any of the activities above to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.
13.4. All engagement with our product offerings through our Website or other transactions for the provisions of product offerings performed through the Website or as a result of visits made by you are governed by the terms applicable to that product offering, which are incorporated into these terms.
14.1. The Website may contain links to, or display content from, third party websites which we provide for your convenience. We do not operate or control these websites and we do not endorse or approve such content from third party websites. As such, we make no warranties or representations regarding their quality, accuracy or completeness. Accessing these links and the use of content from third party websites are solely at your own risk. We accept no responsibility and will not be liable for any loss or damage whatsoever suffered as a result of you doing so.
Attention: Doorsteps Group