Terms and Conditions

SP 30yr AUS

Operator of website

This website is operated by Scottish Pacific Business Finance Pty Ltd (ABN 79 008 636 388).



In these conditions of use "we", "our" and "us" means all and any one or more of Scottish Pacific Business Finance Pty Ltd (ABN 79 008 636 388), Scottish Pacific Business Finance Limited (a New Zealand company, company number 535333), Scottish Pacific (BFS) Pty Ltd ABN 69 101 657 041 and New Zealand Company number 3338699. References in these conditions of use to "website" means this website and references in these conditions of use to "content" means the content of this website.


Agreement to terms

By accessing this website and other websites through links provided by us, you agree to these conditions of use. You also agree to our privacy policy (it is available on this website) and other notices, terms and conditions on this website. We may change these conditions of use, the privacy policy and the other notices, terms and conditions and by subsequently accessing this website you agree to the change.

If you enter into a facility agreement with us your use of this website and the content will also be subject to the terms of that agreement. If there is any inconsistency, that agreement will prevail to the extent of the inconsistency.

We reserve the right to end, suspend or restrict the use of this website at any time without giving notice.


Use of this website

This website and the content is provided for business purposes and to facilitate business transactions. This website and the content must not be used for any other purpose. The content provides general information only and it should not be considered to be a comprehensive statement of the subject matter or to be necessarily applicable to any particular person or business.

You have no rights to or licence in the content (including our trading names) except the right to use this website and download content in accordance with these conditions of use. We own the copyright in the content and in the design of this website, or use of it under licence or applicable law.

You may make a temporary copy of this website on your local computer for the sole purpose of viewing it and may print a page for your personal use so long as any copyright notice is not removed. You may not, in any form or by any means, reproduce, adapt, store, transmit, display, publish or create derivative works from the content unless you have our prior written consent or are permitted to do so by legislation.


Limitation of liability

The internet is not a secure medium. Communication to and from this website could be intercepted or altered. We do not warrant that this website or communication to and from this website will be free from viruses or any other thing. To the maximum extent permitted by law, we exclude completely all liability to any person for any loss (including consequential and economic loss) or damage of any type relating in any way to the content or this website. This includes loss or damage caused by negligence. If any law implies a warranty or guarantee that cannot be lawfully excluded our liability for the breach of the implied warranty or guarantee is limited, at our option, to supplying again the content or use of this website or the payment of the cost of supplying them again.

This website may provide links to other websites. Those links are provided as a service to users of this website. We do not accept responsibility for, or endorse the material on, any linked website; give any representation or warranty as to the reliability, accuracy or completeness of the material on those websites; or have any liability to anyone for anything which may happen as a result of the use of, or access to, those websites. You must not create or maintain a link from another website to this website without our written approval.



You do not need to disclose your identity to us in order to use this website. However, we may collect anonymous traffic data from users and we may record details about any computer used to access this website, the date and time of access and details of the information downloaded. That information is used for internal statistical purposes and to improve this website. Any other information supplied to us (for example, if you send us an e-mail) is treated in accordance with our privacy policy.

Information is collected from you when you register with us, or when you contribute to or use some of the advanced features on the site. In addition, we may collect your IP address and use cookies unless you configure your web browser not to accept them. We may collect information about you so that we can personalise your use of the site, assist your use of the site and improve the site generally.

Keeping information about you secure is very important to us, and certain sections of the site may encrypt data. However, no data transmission over the Internet can be guaranteed to be totally secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us, and you do so at your own risk.

The cookies used on this Website can be categorised in the following way:

Performance cookies

Performance cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect any information that identifies a visitor. All the information that these cookies collect is anonymous and will only be used to improve how the Website works.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and they generally improve the user experience. They can also ensure that adverts you see online are more relevant to you and your interests.

With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. Please note that switching off or “opting out” of the use of cookies will mean that you may not be able to use certain features of the website. By using the scottishpacific.com/uk, you agree that we can place these types of cookies on your device.



If you have any questions relating to these conditions of use, please contact us.

By using this Scottish Pacific website you agree to our use of cookies to enhance your experience. I understand