Terms of Service
Last updated: June 2026
These Terms of Service govern your use of the Aqua Money website at aquamoney.com.au and the finance broking services provided by Aqua Money (ABN 32 693 892 134, Credit Representative 575935 of Australian Credit Licence 384704). By accessing our website or engaging our services, you agree to these terms.
1. About Aqua Money
Aqua Money is a finance broking business operating under Australian Credit Licence (ACL) 384704. Michael Nicoli is an Authorised Credit Representative (Credit Rep 575935) of the ACL holder. Aqua Money is regulated by the Australian Securities and Investments Commission (ASIC) under the National Consumer Credit Protection Act 2009 (Cth).
2. Services
Aqua Money provides finance broking services including assistance with residential loans, commercial finance, asset finance, SMSF lending, consumer finance, and refinancing. We act as an intermediary between you and lenders. We do not provide financial product advice as defined under the Corporations Act 2001 (Cth).
3. No Financial Advice
The information on this website is general in nature and does not constitute financial, legal, or taxation advice. It does not take into account your personal objectives, financial situation, or needs. Before acting on any information on this website, you should consider its appropriateness to your circumstances and seek independent professional advice if necessary.
4. Calculator Disclaimer
The borrowing and repayment calculators on this website provide indicative estimates only. Results are based on the inputs you provide and simplified assumptions. They do not constitute a credit assessment, credit quote, or offer of credit. Actual borrowing capacity and repayments will depend on individual lender assessments, your credit history, living expenses, and other factors.
5. Website Use
You may use this website for lawful purposes only. You must not misuse, disrupt, or attempt to gain unauthorised access to any part of the website. We reserve the right to restrict or terminate access to the website at any time without notice.
6. Intellectual Property
All content on this website, including text, graphics, logos, and code, is the property of Aqua Money or its licensors and is protected by Australian copyright law. You may not reproduce, distribute, or use any content without our prior written consent.
7. Third-Party Links
This website may contain links to third-party websites including lenders, booking platforms, and social media. These links are provided for convenience only. Aqua Money does not endorse or take responsibility for the content, privacy practices, or terms of any third-party website.
8. Limitation of Liability
To the maximum extent permitted by law, Aqua Money excludes all liability for any loss or damage (including indirect or consequential loss) arising from your use of this website or reliance on any information contained on it. Where liability cannot be excluded by law, our liability is limited to the extent permitted by the Australian Consumer Law.
9. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
10. Governing Law
These terms are governed by the laws of Western Australia and the Commonwealth of Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Western Australia.
11. Changes to These Terms
We may update these Terms of Service from time to time. The date at the top of this page reflects the most recent update. Continued use of our website after changes are posted constitutes your acceptance of the updated terms.
12. Contact Us
If you have any questions about these terms, please contact us at info@aquamoney.com.au or call +61 405 580 301.