Terms of Use
Last updated: May 2025
1. Accepting These Terms
By using our website and services at Co-Pilot Finance & Insurance (CPFI), you agree to these terms and conditions. We may update these terms at any time; continued use of our site constitutes acceptance of updated terms.
2. Use of This Website
This website is for your personal, non-commercial use only. You agree to use the site for lawful purposes only and not to engage in any conduct that restricts others from using the site. You must not use the site to transmit any harmful or disruptive content.
3. Website Content and Copyright
All content on this website, including text, graphics, logos, and images, is the property of CPFI and is protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.
4. Cookies
Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us analyse website traffic and personalise your experience. By using our website, you consent to our use of cookies. You may disable cookies in your browser settings, though this may affect certain features of our website.
5. Advertising
Our website may contain advertising from third-party providers. These advertisers may use cookies and web beacons to collect information about your visits to this and other websites. CPFI is not responsible for the content of third-party advertisements or the practices of third-party advertisers.
6. IP Addresses
We may collect your IP address for system administration, to analyse website traffic, and to report aggregate usage information to our advertisers. IP addresses are not linked to personally identifiable information.
7. Online Applications
Any personal information you submit through our online application forms is subject to our Privacy Policy. By submitting an application, you consent to us collecting, storing, and using your personal information to assess your enquiry and contact you in relation to our financial and insurance services. We may share your information with lenders, insurers, and other third parties as required to provide our services.
8. Security
We take reasonable steps to protect your personal information from misuse, loss, and unauthorised access. However, the transmission of information over the internet is not completely secure. We cannot guarantee the security of information transmitted to our website and any transmission is at your own risk.
9. Disclosure
CP Insurance Pty Ltd ABN 24 679 312 460 is a Corporate Authorised Representative (No: 1312450) of McLardy McShane Partners Pty Ltd AFSL No: 232987. CPFI operates as a finance and insurance broker and may receive commissions or remuneration from lenders and insurers. Full details of any remuneration arrangements are disclosed in our Credit Guide and Financial Services Guide.
10. Limitation of Liability
To the extent permitted by law, CPFI excludes all liability for any loss or damage (including indirect, special, or consequential loss) arising from your use of our website or reliance on any information provided on it. Our total liability for any claim arising from your use of the site is limited to the amount you have paid us for services directly related to that claim.
11. No Warranties
This website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the availability, accuracy, completeness, or fitness for purpose of the website or any information on it. We do not warrant that the website will be uninterrupted or error-free.
12. No Waiver
Our failure to enforce any provision of these terms does not constitute a waiver of our right to enforce that provision or any other provision at a later time. No waiver of any breach of these terms will be deemed a waiver of any subsequent breach.
13. General
These terms are governed by the laws of New South Wales, Australia. You submit to the exclusive jurisdiction of the courts of New South Wales for any dispute arising from these terms. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. These terms constitute the entire agreement between you and CPFI regarding your use of this website.
14. Contact
If you have any questions about these Terms of Use, please contact us at apply@cpfi.com.au or by writing to Suite 801, 111 Pacific Highway, North Sydney NSW 2060.