Terms of Service

Flash Leads Last updated: 03 August 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the website https://www.flashleads.com.au and any related Facebook or Instagram Lead Ads forms operated by Thirsty IT Digital Communications (brand name Flash Leads) ("we", "us", "our"). By accessing our website or submitting an enquiry through one of our forms, you agree to be bound by these Terms. If you do not agree, please do not use our website or submit a form.

2. About Our Service

Flash Leads is a referral service. We help people looking to refinance their home loan connect with third-party mortgage brokers and/or lenders ("Partners") who hold the appropriate Australian Credit Licence (ACL) or are authorised credit representatives. We do not provide credit, credit assistance, or financial advice ourselves, and we are not a bank, lender, or licensed broker.

Any information, comparisons, or general content on our website is provided for general informational purposes only. It is not personal financial advice and does not take into account your individual objectives, financial situation, or needs. You should obtain advice from a licensed professional, and consider the relevant Product Disclosure Statement or loan documentation, before making any financial decision.

3. Eligibility

By using our website or submitting a form, you confirm that you are at least 18 years old and an Australian resident, and that the information you provide is true, accurate, and not misleading.

4. How the Referral Process Works

When you submit an enquiry through our website or a Meta (Facebook/Instagram) Lead Ad, we can pass your details to one or more Partner brokers or lenders in our network. A Partner may then contact you directly to discuss your refinance options, assess your eligibility, and provide credit assistance or advice under their own licence. We do not guarantee that any Partner will contact you, that you will be eligible for any product, or that any particular rate, term, or outcome will be offered.

We may receive a referral fee or commission from a Partner in connection with a successful referral. This does not affect the price or terms you are offered.

5. Acceptable Use

When using our website or forms, you agree not to:

Provide false, misleading, or another person's information without their consent.

Use our website or forms for any unlawful purpose.

Attempt to interfere with, hack, or disrupt our website or systems.

Scrape, copy, or reproduce our website content without permission.

6. Third-Party Lenders, Brokers, and Links

Our website may refer you to, or link to, third-party Partners or other websites. We do not control and are not responsible for the content, products, services, privacy practices, or conduct of any third party. Any dealings you have with a Partner (including any loan application, advice, or agreement) are solely between you and that Partner, governed by their own terms and disclosures.

7. Intellectual Property

All content on our website, including text, graphics, logos, and design, is owned by or licensed to Flash Leads and is protected by Australian copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written permission.

8. Disclaimer

To the maximum extent permitted by law, our website and content are provided "as is" without warranties of any kind, whether express or implied, including as to accuracy, completeness, or fitness for a particular purpose. We do not warrant that our website will be uninterrupted, error-free, or secure.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you under the Australian Consumer Law or any other law that cannot lawfully be excluded.

9. Limitation of Liability

To the maximum extent permitted by law, Flash Leads excludes all liability for any loss or damage (including indirect or consequential loss) arising from your use of our website, reliance on any general information provided, or your dealings with any Partner. Where liability cannot be excluded, our liability is limited, at our option, to re-supplying the relevant service or the cost of doing so.

10. Indemnity

You agree to indemnify and hold Flash Leads harmless from any claim, loss, or damage arising from your breach of these Terms or misuse of our website.

11. Privacy

Our collection and handling of your personal information is described in our Privacy Policy([https://www.flashleads.com.au) which forms part of these Terms.

12. Changes to These Terms

We may update these Terms from time to time. Changes take effect once posted on this page, with the "Last updated" date revised accordingly. Continued use of our website after changes take effect constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of Victoria, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state or territory.

14. Contact Us

For any questions about these Terms, contact:

Flash Leads Email: [email protected] Address: 286 Myers Road Merricks North VIC 3926