Disclaimer

Version 1.1 - Last Updated: August 11, 2025

FamLoan Pty Ltd ("FamLoan", "we," "us," or "our") is an Australian company. This disclaimer applies to all users worldwide who access our website or services.

1. Not a Financial Service Provider

FamLoan is exclusively a software tool provider. We do not:

• Offer loans or credit
• Provide financial advice
• Engage in money transmission or payment services
• Act as a financial intermediary
• Facilitate or process financial transactions
• Provide banking or credit union services

Our software is designed solely to help individuals and families record and track their existing informal lending arrangements.

2. Regulatory Status

• We are not regulated by ASIC, APRA, or any other financial regulatory body
• We are not a credit provider under the National Consumer Credit Protection Act 2009
• We are not a financial services provider under the Corporations Act 2001
• We do not require an Australian Financial Services License as we do not provide financial services

3. Software Tool Purpose

Our platform is a record-keeping and documentation tool that:

• Helps track loan details and payments
• Generates payment schedules
• Provides templates for documenting arrangements
• Facilitates communication between parties

4. No Legal Advice

FamLoan is not a law firm and does not provide legal advice. Any information or templates we provide are for informational purposes only and do not constitute legal advice. You should consult with a qualified legal professional for advice on your specific situation.

5. Not a 'Party' to any Agreement

FamLoan is a neutral platform provider and is not a party to any loan agreement created or managed on our service. We do not act as an agent for any user and have no role in the negotiation or execution of agreements between users.

6. User Responsibility

Users are solely responsible for:

• The legal and tax implications of their lending arrangements
• Ensuring compliance with all applicable local, state, and federal laws
• Seeking independent professional advice from qualified legal, financial, and tax advisors
• Verifying all calculations and information generated by the platform
• Maintaining accurate and complete records of their arrangements

7. Geographic Limitations

While our software is accessible globally (excluding sanctioned countries and regions), users must:

• Comply with their local laws and regulations
• Understand that the service is governed by Australian law
• Accept that features may be limited in certain jurisdictions

8. No Liability

To the fullest extent permitted by law, FamLoan Pty Ltd disclaims all liability for:

• Financial losses or disputes between parties
• Accuracy of calculations or information
• Legal or tax consequences
• Service interruptions or data loss
• Third-party actions or content

9. Third-Party Services

Our service may integrate with or link to third-party services. We:

• Do not endorse these services
• Are not responsible for their content or actions
• Recommend reviewing their terms and policies

10. Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including:

• Technical failures
• Natural disasters
• Government actions
• Cyber attacks
• Network disruptions

11. Severability

If any provision of this disclaimer is found to be unenforceable, the remaining provisions will remain in full force and effect.

12. Changes to This Disclaimer

We may update this disclaimer to reflect:

• Changes in our service
• Legal requirements
• Operational needs Updates will be posted on our website with the revision date.

Contact Us

For questions about this Disclaimer or our service, please contact us at:

• Company Name: FamLoan Pty Ltd
• Location: Victoria, Australia
• ACN: 682 729 184
• Email: hello@famloan.co

This disclaimer was last updated on August 6, 2025 (Version 1.0)