1. Acceptance of Terms

By accessing, browsing, and using the website located at progressloan.com.au (“the Website”), you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site. These terms apply to all visitors, users, and others who wish to access or use the Website.

2. Description of Service

Progress Loan (or “we,” “us,” “our”) provides access to information regarding Shariah-Compliant Financial Solutions, including but not limited to:

• Residential Finance

• Development Finance

• Asset Finance

• Commercial Finance

• Home Loans for Self-Employed Individuals

• SMSF Financing

Our financial products are generally structured using Ijarah (lease agreement), often known as a “Rent-to-Own” model, in compliance with Islamic financial principles (e.g., prohibition of Riba, asset-backed financing, risk sharing, and avoidance of Gharar).

The Website acts as a platform to present our product offerings, calculators, contact information, and news/educational content.

3. Financial Advice Disclaimer

The content on this Website is for informational and promotional purposes only and does not constitute financial, legal, or professional advice.

• Progress Loan is a mortgage manager and/or representative working with a financier (such as The Perpetual Corporate Trust Limited trading as Origin Mortgage Management Service).

• Any details regarding Shariah-compliant products are an overview. Full terms and conditions, specific compliance details, and financial arrangements for any product will be outlined in a separate, formal contract which must be read and signed by you.

• You must seek independent professional advice tailored to your personal financial situation before applying for any product described on this Website.

4. Use of the Website

4.1. Eligibility You must be at least 18 years old and a resident of Australia to apply for any product described on this Website.

4.2. Prohibited Activities You agree not to use the Website in any way that:

• Violates any applicable Australian or international law or regulation.

• Is unlawful, fraudulent, or harmful, or in connection with any unlawful, fraudulent, or harmful purpose or activity.

• Involves the use of viruses, Trojan horses, worms, or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software or hardware.

• Attempts to gain unauthorized access to any part of the Website, other user accounts, or computer systems.

4.3. Calculators Any calculators provided on the Website (e.g., Leasing, Stamp Duty, Lump Sum, Savings) are for estimation purposes only. The results generated are indicative and should not be relied upon for making financial decisions. Final costs, loan amounts, and payments will be determined through a formal application and assessment process.

5. Intellectual Property Rights

5.1. Ownership The content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) on the Website are owned by Progress Loan, its licensors, or other providers of such material and are protected by Australian and international copyright, trademark, and other intellectual property laws.

5.2. Limited License You are granted a limited, non-transferable, and revocable license to access and use the Website solely for the purpose of inquiring about our services. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as necessary for viewing it in your web browser.

6. Limitation of Liability and Disclaimers

6.1. Warranty Disclaimer The Website and its content are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. Progress Loan does not guarantee that the Website will be uninterrupted, error-free, or secure.

6.2. Limitation of Liability To the fullest extent permitted by law, Progress Loan, its affiliates, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Website.

• Any content obtained from the Website.

• Unauthorized access, use, or alteration of your transmissions or content.

7. Indemnification

You agree to defend, indemnify, and hold harmless Progress Loan, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns 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 and Conditions or your use of the Website.

8. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in New South Wales, Australia.

9. Changes to Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will indicate the “Last Updated” date at the top of this page. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms and Conditions.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us using the information provided on the Website.