Terms of Service

1. Introduction

Welcome to Chapter Two Holdings Pty Ltd (ABN: 45 607 596 449, Australian Credit Licence No: 531408). These Terms of Service ("Terms") govern your use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms.

2. Services

ChapterTwo provides mortgage refinancing and financial services. We act as a credit representative and may provide credit assistance services. All services are subject to our Australian Credit Licence and relevant Australian financial services regulations.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be an Australian resident or citizen
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information

4. Use of Website

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Transmit any harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website

5. Financial Services

Our financial services are provided under our Australian Credit Licence. We are obligated to:

• Act in your best interests when providing credit assistance
• Provide clear and transparent information about fees and services
• Comply with responsible lending obligations
• Maintain professional standards and competency

6. Fees and Charges

Details of all fees and charges will be disclosed to you before you engage our services. Fees may include:

• Application fees
• Ongoing service fees
• Third-party fees (where applicable)

7. Privacy

Your privacy is important to us. Please refer to our Privacy Policy for information about how we collect, use, and protect your personal information.

8. Disclaimers

While we strive to provide accurate information, we make no warranties about the completeness, reliability, or accuracy of the information on our website. Any reliance you place on such information is strictly at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, Chapter Two Holdings Pty Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website.

10. Complaints

If you have a complaint about our services, please contact us at:

• Phone: 1300 344 433
• Email: finance@chaptertwo.com.au
• Address: Level 6, 56 Pitt St, Sydney NSW 2000

If we cannot resolve your complaint, you may contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678.

11. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our services after changes are posted constitutes acceptance of the new Terms.

12. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of New South Wales.

13. Contact Information

For questions about these Terms of Service, please contact us at:

Last updated: 10/10/2026