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Terms &

The Website is operated by Salt and Lime Funding Pty Ltd ACN 619 815 833 (“Salt & Lime, we, us and our”).  


These terms and conditions ("Terms") (together with any documents referred to within) govern your use of this Website and any of the services available on this Website. Please read these Terms carefully before you start to use the Website or any of the services available on the Website.


Website Use

By using our Website, you are deemed to have understood, and confirm that you accept these Terms and that you will abide by them. If you are using this Website as a representative of your employer, you represent to us that you have the full and unfettered legal right and authority to accept these terms on behalf of, and bind, your employer and references to "you" in these Terms will be deemed to refer to your employer. If you do not agree to these Terms, please refrain from using our Website. Use of our Website includes accessing or browsing our Website. Where any information contained on this Website is available for download or copying, these Terms apply to such information as may be downloaded or copied.


Access To Our Website

Access to our Website is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Website without notice to you. From time to time, we may restrict access to some parts of our Website, or our entire Website. You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these Terms and that they comply with them.


Depending on your country of residence, you may not be able to use all of the functions of this Website or the services available on the Website. It is your responsibility to follow the rules and regulations of your country of residence.


Changes To Our Website

We do not guarantee that our Website, or any content on it, will be free from errors or omissions. While we aim to update our Website regularly, we are under no obligation to do so and as the information contained on it is inherently subject to change without notice it may be out of date at any given time. You should therefore not act, or refrain from acting, on the basis of any information contained on, or obtained from, or from any publications or links to other websites provided on this Website. You should always obtain appropriate advice where necessary from a suitably qualified professional in relation to any particular matter or circumstance.



The information on this Website is provided by Salt & Lime for general information purposes only and is made available "as is", without any representation or warranty, either express or implied, being given as to the accuracy, completeness, timeliness, reliability or otherwise of its content. No responsibility is accepted by us for any errors, omissions or any inaccurate information on this Website. The material posted on this Website, including any regulatory announcement, is not intended to amount to or provide, constitute or comprise, investment, financial, legal or other advice on any particular matter and no action should be taken or omitted to be taken in reliance on the information contained on this Website. Advice should always be sought from a suitably qualified professional in relation to any particular matter or circumstance.


We cannot guarantee that this Website will be available at all times or that it will be free from delays, interruptions and errors; the exclusions in the previous paragraph will extend to any claims relating to the functionality or availability or otherwise of this Website at any time or for any period.


The information on this Website is not intended for distribution in or into, or for use by any person or entity in any jurisdiction where such distribution or use would be contrary to any local law, order, directive or regulation. You should acquaint yourself with any local laws, order, directives or regulations that might apply to the use of this Website.


Copyright And Other Intellectual Property Rights

The information, announcements, content, graphics, text, sound, images, trademarks, service marks, loops and all other materials contained on this Website (the "Materials"), including but not limited to the homepage and all other pages and publications, are protected by copyright, database right, trademark and other proprietary rights. The Materials are owned and controlled by Salt & Lime or the party credited as the provider of the Materials, except as otherwise indicated. No person may copy the Materials (except for one copy for personal use only, provided that all copyright and other notices contained therein are left intact), republish, redistribute, transmit, alter, edit or otherwise exploit them, in any manner for any purpose, without the express written permission of Salt & Lime (or our licensors). You agree not to reproduce, duplicate, copy, republish, redistribute, transmit, alter, edit, re-sell or otherwise exploit any part of our Website in contravention of the provisions of these Terms. If you do so your right to use our Website will cease immediately and you must, at our option, either return or destroy any copies of the Materials you have made. Salt & Lime and/or any other owners of the Materials retain all right, title, interest and intellectual property rights in and to the Materials. Nothing in these Terms shall be construed as conferring by implication, estoppel or otherwise any licence or right under any copyright, patent, trademark, database right, sui generis right or other intellectual property right or proprietary interest of Salt & Lime or any third party. All other trademarks, service marks or logos contained on this Website are the property of their respective owners. For further details of trademarks of Salt & Lime please contact us. The use of automated systems or software that is used to extract data or information from this Website for commercial use is prohibited.

We Are Committed to Protecting Your Privacy


We collect personal information about you in order to enable you to access and use the Website, to provide our services, to contact and communicate with you, to respond to your enquiries and for other purposes set out in our Privacy and Credit Reporting Policy.


We may disclose that information to third parties including, but not limited to, information technology service providers, data storage, web-hosting and server providers, professional advisers, payment systems operators, the Document Verification Service (DVS), credit reporting bodies including Equifax and our business partners) or as required by law. If you do not provide this information, we may not be able to provide our services to you. In certain circumstances, we may disclose your personal information to third parties located, or who store data, outside Australia.

Our Privacy and Credit Reporting Policy contains further information about: (i) how we store your personal information; (ii) how you can access and seek correction of your personal information; (iii) how you can make a privacy-related complaint; and (iv) our complaint handling process.

By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with our Privacy and Credit Reporting Policy.

Please refer to our Privacy and Credit Reporting Policy for more information.


Information From Third Parties

Our Website may contain links to the websites of third-party providers of goods and services (Third-Party websites). If you have accessed Third-Party websites through our website, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third-Party website from our Website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third-party.


Salt & Lime has no control over and is not responsible for the content or availability of any such Third-Party websites, and inclusion of a hypertext link or other link does not imply any recommendation or endorsement of the material or content on such websites by Salt & Lime, nor any association with their operators.


To the fullest extent permitted by law, we expressly exclude, and accept no liability for any loss or damage which may be suffered by you, or any third party, and/or which may arise from the use, or the inability to use, this Website (or any website linked to it) or the use of, or any reliance placed on, any information contained on this Website (or any website linked to it), including, but not limited to direct, indirect, consequential or other loss or damage, loss of data, loss of income, profits, contracts or opportunity, loss of goodwill or claims by third parties and whether caused by tort (including negligence), breach of contract or otherwise, even if such loss or damage was reasonably foreseeable by us.


Advertising and Tracking

When you view our advertisements on a Third Party Website, the advertising company may use ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

  • the server your computer is logged onto;

  • your browser type;

  • the date and time of your visit; and

  • the performance of their marketing efforts.


When you access our Website after viewing one of our advertisements on a Third-Party website, the advertising company collects information on how you utilise our website (e.g.: which pages you view) and whether you complete an online application.



We use ‘cookies’ to provide you with better and more customised service and with a more effective website.


A ‘cookie’ is a small text file placed on your computer by our web page server which collects information about your use of those websites.  A cookie can later be retrieved by our webpage servers. Different types of cookies are used for different purposes. There are cookies that are active for a single session which, for example, help to facilitate the completion of application forms or surveys. On the other hand, persistent cookies are stored on your device and help websites remember your information and settings when you visit them in the future. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;

  • determining if your browser has previously visited the website and remembering your settings/preferences

  • to customise our website for you;

  • for statistical purposes;

  • to identify if you have accessed a Third-Party website; and

  • personalising your experience, including your access to services that we provide on our websites. For example, providing customised content, support and advertising that may be relevant to your interests and needs;

  • for security purposes.


IP Addresses

Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website.


Online Applications 

When you send a completed online application to us, we retain the information contained in that application.  We are able to then use that information to provide the credit services offered by us.

You can also suspend and save your online application, so you can complete and send the application to us at a later time.  If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application.  Online applications that have been suspended or saved may be viewed by us. We will deal with your personal information in accordance with our Privacy and Credit Reporting Policy.


Prohibited Uses Of Our Website


You may use our Website only for lawful purposes. You may not use our Website in any way that breaches any applicable local, national or international law, order, directive, regulation or any similar restriction or in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose, intent or effect nor to send, knowingly receive, upload, download, use or re-use any material. You agree that you will not access without authority, nor interfere with, damage or disrupt any part of our Website or any equipment or network on which our Website is stored, any software used in the provision of our Website, or any equipment, network or software owned or used by any third party. Neither may you use our Website to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (commonly known as "spam") or to knowingly transmit any data, or to send or upload any material that contains viruses, trojans, worms, logic bombs, spyware, adware or any other harmful programs or similar computer code designed to affect the operation of any computer software or hardware in any adverse way. We will report any breach of this provision to the relevant law enforcement authorities and co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.


Security of Information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies.  Unfortunately, no data transmission over the internet can be guaranteed as totally secure. We accept no liability for any loss or damage that might result from the transmission of any denial-of-service attack, viruses or other technologically harmful material via our Website. It is your responsibility to ensure that your information technology, programs and equipment are properly configured to enable you to access our Website and that they have appropriate and up to date virus protection software installed.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.


We take reasonable steps to preserve the security of cookie and personal information in accordance with our Privacy and Credit Reporting Policy.  If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).



In the event that any terms or provisions of these Terms shall be determined to be illegal, invalid, or unenforceable in whole or in part for any reason whatsoever including, but not limited to illegality, unenforceability or invalidity, this shall not affect the enforceability or validity of the remaining terms or provisions or parts thereof which shall continue to be binding and enforceable.


Changes To These Terms

Salt & Lime may revise these Terms at any time without notice to you. The version of these Terms which is on the Website is current and you should review the Website from time to time. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on our Website.


Governing Law

Any dispute or claim arising out of or in connection with these Terms or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of New South Wales and the New South Wales courts will have exclusive jurisdiction over any claim arising from these Terms, although we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.

This policy was last updated on 15th January 2024, Version 2.

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