Terms of Service

Evolve Lending & Finance 
Last updated: December 2025 

1. About Us 

This website is operated by: 

• 123 Fin Pty Limited ATF the 123 Fin Unit Trust trading as Evolve Lending & Finance (ABN 92 305 759 885); and 

• Evolve Asset Finance Pty Limited trading as Evolve Asset Finance (ABN 69 675 540 913), 

together referred to in these Terms as “Evolve”, “we”, “us”, “our”. 

123 Fin Pty Limited ATF the 123 Fin Unit Trust (T/As Evolve Lending & Finance) is an Authorised Credit Representative of Beagle Finance Pty Limited (ABN 31 140 290 268, Australian Credit Licence 383640). 

Evolve Asset Finance Pty Limited (T/As Evolve Asset Finance) is authorised and licensed under Aus Loans (Aus Loans Pty Ltd ABN 47 131 827 908, Australian Credit Licence 383999). 

Our website is located at https://evolvelending.com.au/ (“Website”). 

These Terms of Service (“Terms”) govern your access to and use of our Website, including any content, tools, calculators, forms, and services made available through it (collectively, the “Online Services”). 

By accessing or using our Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must not access or use the Website. 

2. General Information Only – No Personal Financial Advice 

The information on this Website is of a general nature only and is provided for information and educational purposes. 

• It does not take into account your objectives, financial situation or needs. 

• It is not personal financial advice, not legal or tax advice, and not a recommendation to enter into any particular credit contract or financial product. 

• Any case studies, examples, scenarios, rates, or comparisons are illustrative only and may not reflect your circumstances. 

Before making any decision about a credit product or financial service, you should: 

• Consider whether it is appropriate to your circumstances; and 

• Obtain independent professional advice (including legal, tax, financial and credit advice) where appropriate. 

Nothing on this Website should be interpreted as: 

• A suggestion that you will be approved for credit; 

• A representation of your borrowing capacity; or 

• A guarantee that any particular lender, product or rate is suitable for you or will remain available. 

3. Credit Assistance and Regulated Services 

Any regulated credit assistance or credit-related services are provided: 

• In accordance with the National Consumer Credit Protection Act 2009 (Cth), related regulations and other applicable laws; and 

• Under the authority of the relevant Australian Credit Licence holder, being: 

• Beagle Finance Pty Limited (ABN 31 140 290 268, ACL 383640) for services provided by 123 Fin Pty Limited ATF the 123 Fin Unit Trust trading as Evolve Lending & Finance; and 

• Aus Loans Pty Ltd (ABN 47 131 827 908, ACL 383999) for services provided by Evolve Asset Finance Pty Limited trading as Evolve Asset Finance. 

Details of our credit services, including how we are remunerated and how we manage conflicts of interest, are set out in our Credit & Services Guide (and any similar disclosure documents required by our licensees), which we will provide to you when required and which are available on request. 

Completing an online form or enquiry on this Website does not mean: 

• You have applied for credit; 

• We have accepted you as a client; or 

• Credit has been approved by any lender. 

4. Acceptance of These Terms 

By accessing or using the Website, you: 

1. Confirm that you have read, understood and agree to be bound by these Terms; 

2. Warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement; and 

3. Agree to comply with all applicable laws and regulations when using the Website. 

If you use the Website on behalf of another person or entity, you represent that you are authorised to accept these Terms on their behalf. 

5. Changes to the Website and to These Terms 

We may, at our discretion: 

• Update, change, suspend or discontinue any part of the Website or Online Services; and/or 

• Update these Terms from time to time. 

Where we make material changes, we will update the “Last updated” date above. Your continued use of the Website after any changes means you accept the revised Terms. 

You should review these Terms regularly. 

6. Website Content and Accuracy 

We take reasonable care to ensure that information on the Website is accurate and up to date. However: 

• Information may change without notice (including lender policies, product features, eligibility criteria and interest rates). 

• We do not guarantee that any information on the Website is complete, current or free from errors or omissions. 

• Any quoted interest rates, fees, promotions or product descriptions are subject to the terms and conditions of the relevant lender or product issuer and may change at any time. 

You are responsible for verifying any information before relying on it. 

7. Use of Online Tools, Calculators and Forms 

From time to time, we may provide calculators, tools or forms to help you understand potential loan scenarios or to make an enquiry. 

You acknowledge and agree that: 

• Results and outputs from calculators or tools are estimates only, based on limited and hypothetical inputs. 

• They do not constitute a quote, pre-approval, approval, offer of credit, indication of borrowing capacity or guarantee of any outcome. 

• They should not be relied upon as the sole basis for making any financial or credit-related decision. 

Any online “pre-qualification” or similar indication is subject to full assessment, verification of your information, lender policies, and legal requirements. 

8. Third-Party Products, Lenders and Links 

The Website may refer to loan products, lenders or other third-party services, and may contain links to third-party websites or resources. 

You acknowledge and agree that: 

• References to third-party products or services are descriptive only and do not constitute endorsements, recommendations or statements that a particular product or lender is suitable for you. 

• Third-party sites are not under our control, and we are not responsible for their content, accuracy, security, privacy practices or terms of use. 

• You access third-party sites at your own risk and should review their own terms and policies. 

We may receive commissions or other benefits from lenders and partners in connection with products arranged by us. Details are provided in our Credit & Services Guide (and other required disclosures from our licensees). 

9. Your Obligations When Using the Website 

You must use the Website lawfully and in a manner that does not: 

• Infringe the rights (including intellectual property or privacy rights) of any person; 

• Mislead or deceive, or be likely to mislead or deceive; 

• Introduce viruses, malicious code or other harmful technology; or 

• Interfere with or disrupt the Website, servers or networks. 

You must not: 

• Attempt to gain unauthorised access to any part of the Website or related systems; 

• Scrape, mine, copy or systematically harvest data from the Website without our prior written consent; 

• Use any automated tools (including bots, crawlers, or scripts) to access the Website other than for standard search engine indexing; 

• Use the Website to send spam or unsolicited communications; or 

• Impersonate any person or misrepresent your affiliation with any person. 

You warrant that all information you provide to us via the Website (including enquiry forms and documents) is true, accurate, complete and not misleading. You must promptly notify us if any information you have supplied becomes inaccurate or changes. 

10. Intellectual Property 

Unless otherwise indicated, all content on the Website is owned or licensed by us. This includes: 

• Text, articles and copy; 

• Logos, branding and trade marks; 

• Graphics, icons and images; 

• Layout, design and structure of the Website; and 

• Underlying code and software. 

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for your personal, non-commercial use, subject to these Terms. 

You must not, without our prior written consent: 

• Copy, reproduce, modify, adapt, translate, publish, distribute or create derivative works from any part of the Website; 

• Use any of our trade marks, logos or branding; or 

• Frame or embed any part of the Website in another site. 

11. Privacy and Cookies 

We handle your personal information in accordance with our Privacy Policy, which is available on our Website. 

By using the Website or submitting information to us, you consent to: 

• Our collection, use and disclosure of your personal information as described in the Privacy Policy; and 

• Our use of cookies and similar technologies to improve your browsing experience and analyse Website traffic. 

If you do not agree with our Privacy Policy, you should not use the Website. 

12. Electronic Communications 

You agree that we may communicate with you electronically (including by email, SMS, online forms or other digital means) in relation to: 

• Your enquiries or applications; 

• Our products and services; and 

• Information, updates, and marketing communications (where permitted by law). 

You may opt out of receiving marketing communications at any time by following the instructions in the communication or contacting us using the details on our Website. 

13. Disclaimers 

To the maximum extent permitted by law (including the Australian Consumer Law): 

1. The Website and content are provided on an “as is” and “as available” basis. 

2. We do not warrant that the Website will be uninterrupted, error-free, secure or free from viruses or other harmful components. 

3. We make no representation or warranty regarding: 

• The accuracy, reliability or completeness of any content; 

• The suitability of any product, service or lender for your circumstances; 

• The availability of any particular loan, product, rate or feature; or 

• Any outcome from using our services or a lender we refer you to. 

Nothing in these Terms excludes, restricts or modifies any consumer guarantees, rights or remedies you may have under the Australian Consumer Law or any other law that cannot be lawfully excluded. 

14. Limitation of Liability 

To the maximum extent permitted by law: 

• We are not liable for any loss, damage, cost or expense (including consequential, indirect, special or economic loss, loss of profit or loss of opportunity) arising out of or in connection with your use of, or inability to use, the Website or its content. 

• Where liability cannot be excluded, our liability is limited (at our option) to: 

• The re-supply of the relevant services; or 

• The payment of the cost of having those services supplied again. 

You agree that we are not responsible or liable for: 

• Acts or omissions of lenders or third-party service providers; 

• Any unauthorised access to or use of your information arising from your failure to keep your devices or credentials secure; or 

• Any events beyond our reasonable control (including system failures, technical issues, or outages). 

15. Indemnity 

You agree to indemnify us (and our directors, officers, employees, contractors and agents) from and against any loss, damage, liability, cost or expense (including reasonable legal costs) arising out of or in connection with: 

• Your breach of these Terms; 

• Your misuse of the Website or Online Services; or 

• Any claim that information you provide is inaccurate, misleading or infringes the rights of any third party. 

This indemnity is reduced to the extent that the loss is caused by our own negligence, fraud or wilful misconduct. 

16. Suspension or Termination 

We may, at our discretion and without notice, suspend or terminate your access to the Website if we believe you have: 

• Breached these Terms; 

• Used the Website in a manner that is unlawful, fraudulent, abusive or harmful; or 

• Interfered with the operation or security of the Website. 

Any suspension or termination does not limit any other rights or remedies available to us. 

17. Complaints and Dispute Resolution 

We are committed to handling any complaints fairly and promptly. 

If you have a complaint about our services, you should contact us using the contact details on our Website. We will: 

• Acknowledge your complaint; 

• Seek to resolve it as quickly as possible; and 

• Inform you of any further steps available to you. 

As authorised credit representatives of Beagle Finance Pty Limited (ACL 383640) and Aus Loans Pty Ltd (ACL 383999), we are also required to be members of an external dispute resolution scheme (such as AFCA). Details of our complaints process and applicable external dispute resolution scheme(s) are set out in our Credit & Services Guide and are available on request. 

18. Governing Law and Jurisdiction 

These Terms are governed by the laws of New South Wales, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts that may hear appeals from those courts. 

19. Severability 

If any provision of these Terms is held to be invalid, illegal or unenforceable: 

• That provision will be enforced to the maximum extent permissible; and 

• The remaining provisions will continue in full force and effect. 

20. Contact Us 

If you have any questions about these Terms or the Website, please contact us using the details provided on our Contact page at https://evolvelending.com.au/contact/