Terms of Service

1. Acceptance of Terms

By accessing and using vehom.au (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, please do not use our Site.

2. Educational Information Only

This is the most important section. Please read it carefully.

All content on this Site is provided for general informational and educational purposes only. It does not constitute:

• Financial advice
• Legal advice
• Tax advice
• Religious or Sharia rulings (fatwas)
• An offer or recommendation to enter into any financial product

You should always consult with a qualified financial advisor, legal professional, and/or a trusted Sharia scholar before making any financial decisions.

3. No Australian Credit Licence

Vehom does not hold an Australian Credit Licence (ACL) and is not authorised under the National Consumer Credit Protection Act 2009 (NCCP Act) to provide credit assistance, credit advice, or to act as a credit provider or broker.

We do not:

• Lend money or provide credit
• Broker or arrange loans
• Recommend specific financial products
• Assess your suitability for any financial product

4. Provider Information Accuracy

Provider names, structures, deposit requirements, terms, availability, and other details displayed on this Site are indicative only and based on publicly available information at the time of writing.

Financial products change frequently. We do not guarantee the accuracy, completeness, or currency of any provider information. Always verify all details directly with the provider before making any decisions.

5. Calculator Disclaimer

The mortgage calculator on this Site provides rough estimates only for illustrative and educational purposes. The calculations are simplified and do not account for:

• Provider-specific fees, charges, or profit rate models
• Stamp duty, legal costs, or other purchase costs
• Individual financial circumstances or eligibility
• Tax implications

Actual payments will differ. Never rely solely on these estimates for financial decisions.

6. Trademarks and Third-Party Rights

All provider names, logos, and trademarks mentioned on this Site (including but not limited to Hejaz Financial Services, MCCA, and Amanah Islamic Finance) are the property of their respective owners. Their mention on this Site is for identification purposes only and does not imply endorsement, partnership, sponsorship, or affiliation unless explicitly stated.

Vehom is not affiliated with, endorsed by, or sponsored by any of the providers listed.

7. Affiliate Links

Some links on this Site may in the future be affiliate links. If we earn a commission through affiliate relationships, this will be clearly disclosed at the point of the link and on the relevant page. Affiliate relationships do not influence our content, rankings, or recommendations.

As of the date of this policy, no affiliate links are active on this Site.

8. Intellectual Property

All original content on this Site — including text, graphics, logos, design, and code — is the property of Vehom and protected under Australian copyright law. You may not reproduce, distribute, or create derivative works without our written permission, except for personal, non-commercial use.

9. Limitation of Liability

To the fullest extent permitted by law, Vehom shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or reliance on, any information provided on this Site.

You use this Site at your own risk.

10. External Links

This Site contains links to external websites. We are not responsible for the content, accuracy, or practices of any third-party websites.

11. Changes to These Terms

We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of NSW courts.

13. Contact

Questions about these Terms? Contact us.