Website Terms and Conditions

Effective Date: 11 November 2025
Entity: HGMB Finance Pty Ltd (ACN 671 523 014)
Trading as: Moni Finance Group
Credit Representative Number: 539817
Authorised under: Mortgage Specialists Pty Ltd (ACN 612 422 178) Australian Credit Licence 387025
Contact: [email protected] | 0431 136 395
Address: 12 Nicholas St, North Lakes QLD 4509

1. Acceptance of Terms

By accessing or using this website (www.monifin.group), you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other legal notices displayed on the site. If you do not agree, please discontinue use.

2. General Information Only

All information on this website is provided for general informational purposes. It does not constitute financial, legal, or taxation advice. You should not act on any information without obtaining independent professional advice appropriate to your personal circumstances.

3. Credit Assistance and Licensing

Moni Finance Group is authorised under Mortgage Specialists Pty Ltd (ACN 612 422 178) Australian Credit Licence 387025.
Hollie Green (Credit Representative No. 539817) may provide credit assistance in accordance with the National Consumer Credit Protection Act 2009 (NCCP Act).

Any credit assistance provided will be supported by a written Credit Quote and Credit Proposal, which outlines any fees, commissions, or remuneration that may apply.

4. Responsible Lending

We comply with responsible lending obligations under the NCCP Act. Before recommending any loan product, we will make reasonable inquiries about your financial situation, requirements, and objectives, and verify your capacity to repay without substantial hardship.

5. Fees, Commissions and Remuneration

Moni Finance Group may receive commissions from lenders and other parties for arranging your finance. These commissions are not payable by you and will be disclosed in your Credit Proposal.
Referral fees may also be paid to third parties, such as accountants or real estate agents, where applicable. These do not affect the cost of your loan.

6. Privacy

We are committed to protecting your privacy. Personal information is collected, used, and disclosed in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

You can read our full Privacy Policy and Credit Guide here.
Your personal information may be shared with lenders, aggregators, and third-party service providers for the purpose of arranging finance.

By using this website, you consent to our collection and handling of your information as described in our Privacy Policy.

7. Limitation of Liability

While every effort is made to ensure accuracy, Moni Finance Group makes no representations or warranties regarding the completeness or reliability of any content on this website.
We are not liable for any loss, damage, or expense arising from your use of the site or reliance on its contents, except as required by law.

8. External Links

This website may contain links to third-party websites. These links are provided for convenience only. We do not control and are not responsible for the content, policies, or security of linked websites.

9. Intellectual Property

All text, images, and materials on this website are owned or licensed by Moni Finance Group. You may not reproduce, distribute, or adapt any content without prior written permission.

10. Complaints and Dispute Resolution

We are committed to resolving complaints promptly and fairly.

Internal Dispute Resolution (IDR):
Contact: Hollie Green
Email: [email protected]
Phone: 0431 136 395

If we cannot resolve your complaint within 30 days, you may refer it to our External Dispute Resolution (EDR) scheme:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: [email protected]
Website: www.afca.org.au

11. Governing Law

These Terms are governed by the laws of Queensland, Australia. By using this website, you submit to the non-exclusive jurisdiction of the courts of Queensland.

12. Updates to These Terms

We may amend these Terms at any time by posting the updated version on our website. Your continued use of the site constitutes acceptance of any changes.