1. Acceptance of Terms
By accessing or using this website in relation to financing services, you agree to be bound by these Terms of Use and applicable laws. If you do not agree, you must not use this website.

‍2. About Us
This website is operated by Baytulmaal Finances Limited ABN 16 122 787 311 AFSL/ACL No. 355094 (Baytulmaal), which provides Shariah Compliant financing services including homebuyer and motor vehicle financing arrangements.

‍3. General Information Only
Information on this website is general in nature and does not constitute financial, legal, or credit advice. It has been prepared without taking into account your personal objectives, financial situation, or needs. You should seek independent professional and/or Islamic finance advice before making any investment decision

.4. Credit Guide and TMDA Credit Guide and Target Market Determination (TMD) for financing clients are available at www.baytulmaal.com.au and should be read before proceeding with any financing enquiry or application.

‍5.  No Offer or Quote
Nothing on this website constitutes an offer of credit or a quote. Any financing arrangement is subject to eligibility criteria, credit approval, and terms and conditions.

‍6. Financing Risks and Obligations
Entering into a financing arrangement involves financial commitments and risks. Fees, charges, and other costs may apply. You are responsible for assessing whether any product is suitable for your circumstances.

‍7. Shariah Compliance
References to Shariah Compliant financing relate to the structure and methodology of the product only and do not guarantee financial outcomes, approvals or benefits.

‍8. Accuracy of Information
Baytulmaal seeks to ensure that the information on this website is accurate and up to date, but does not warrant its accuracy, completeness or reliability. Information may be changed at any time without notice.

‍9. Limitation of Liability
To the maximum extent permitted by law, Baytulmaal and its directors, officers, employees, and agents exclude all liability for any loss or damage (including indirect or consequential loss) arising from or in connection with your use of, or reliance on, this website.