Privacy Policy

Your use of the information, graphics, documents, and materials available on this Website ("Website Material") is governed by these Terms of Use and should be read together with our Privacy Policy, Credit Reporting Policy, and any other policies published on this Website.

If you do not agree with these Terms of Use, you should discontinue using this Website immediately.

The Website Material may contain general information about commercial lending, business finance, and funding solutions offered by ZYA Capital.

Unless expressly stated otherwise:

• The information provided on this Website does not constitute financial, legal, taxation, or investment advice.
• The information does not constitute an offer or inducement to enter into a legally binding agreement.
• The information does not form part of the terms and conditions of any financing agreement.
• All funding and lending arrangements are subject to ZYA Capital's approval criteria, due diligence processes, documentation requirements, and contractual terms.

ZYA Capital reserves the right to approve, decline, or modify any loan or finance application at its sole discretion.

Users should seek independent professional advice before acting on any information contained on this Website.

By using this Website or submitting information through this Website, you represent and warrant that:

• All information provided is true, accurate, current, and complete.
• You do not misrepresent your identity, financial profile, or authority.
• You will update any information provided if it becomes inaccurate or outdated.

ZYA Capital reserves the right to refuse services or terminate access to the Website where inaccurate, misleading, or incomplete information is provided.

ZYA Capital may use third party service providers to assist with services including but not limited to:

• Identity verification services
• Bank statement verification services
• Credit and financial assessment tools
• Data processing services
• Loan application management platforms

By using this Website or submitting an application, you authorise ZYA Capital and its service providers to access, retrieve, and process information from third party sources designated by you, including financial institutions, for the purpose of assessing or facilitating services requested by you.

This Website may contain links to websites operated by third parties ("Third Party Websites"). ZYA Capital:

• Does not endorse or approve Third Party Websites.
• Does not control the content or operation of Third Party Websites.
• Makes no representation regarding the accuracy, completeness, or suitability of information contained on Third Party Websites.

To the extent permitted by law, ZYA Capital disclaims all liability for any loss or damage arising from your use of Third Party Websites.

ZYA Capital may receive referral fees or commissions from third party providers where services are introduced through links on this Website.

While ZYA Capital makes reasonable efforts to ensure the accuracy of information on this Website, we do not guarantee that Website Material is accurate, complete, or current. All Website Material is provided "as is" and "as available."

To the extent permitted by law, ZYA Capital:

• Makes no warranty regarding uninterrupted access to the Website.
• Does not guarantee that the Website will be free from viruses or malicious code.
• Reserves the right to modify, remove, or update Website content without notice.

Users should obtain independent professional advice before relying on Website Material.

To the maximum extent permitted by law, ZYA Capital is not liable for any loss, damage, liability, claim, or expense arising out of or in connection with:

• Use of this Website.
• Reliance on Website Material.
• Use of Third Party Websites.
• Inability to access the Website.

This includes, without limitation: indirect or consequential loss, loss of business opportunity, loss of profits, and loss of data.

You agree to indemnify and hold harmless ZYA Capital, its directors, officers, employees, contractors, and affiliates from any claims, losses, damages, liabilities, or expenses (including legal costs) arising out of:

• Your breach of these Terms of Use.
• Misuse of the Website.
• Violation of any applicable law.

This Website uses cookies and analytics technologies to improve functionality and user experience. Cookies may collect information such as:

• IP address
• Browser type
• Pages visited
• Referring website
• Device information

ZYA Capital may use analytics tools such as Google Analytics or similar services to analyse Website traffic and usage patterns. You may disable cookies through your browser settings; however doing so may affect Website functionality.

All intellectual property rights associated with this Website and the Website Material are owned or licensed by ZYA Capital Pty Ltd. This includes but is not limited to:

• Trademarks, logos, and branding elements
• Graphics and written content
• Website design and software

Except as permitted under the Copyright Act 1968 (Cth), no material on this Website may be reproduced, distributed, transmitted, adapted, or otherwise used without prior written consent from ZYA Capital.

ZYA Capital reserves the right to terminate or restrict access to this Website at any time without notice. All disclaimers, limitations of liability, and indemnities contained in these Terms of Use will survive termination.

These Terms of Use are governed by the laws of New South Wales, Australia. Any disputes arising from the use of this Website will be subject to the exclusive jurisdiction of the courts of New South Wales.

ZYA Capital may amend these Terms of Use at any time by publishing updated terms on this Website. Your continued use of the Website following any changes constitutes acceptance of the updated Terms of Use.

For enquiries regarding these Terms of Use, please contact: