Website Terms & Conditions
Effective Date: 1 July 2026
Welcome
Welcome to the EMMA Finance website.
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I believe clear expectations make for better relationships. These Terms & Conditions explain how this website can be used and what you can expect when visiting EMMA Finance online.
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By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with these terms, please discontinue use of this website.
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These Terms apply to all visitors, users and anyone accessing the website.
About EMMA Finance
EMMA Finance is operated by Thomas Rochford.
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I am a Credit Representative of Purple Circle Financial Services Pty Ltd (Australian Credit Licence No. 486112) and provide mortgage broking services throughout Australia.
General information only
The information provided on this website is intended for general information purposes only.
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It does not constitute financial, legal, taxation or personal credit advice and should not be relied upon as such.
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Every person's financial circumstances are different. Any lending recommendations will only be made after understanding your individual objectives, financial situation and needs.
No guarantee of finance approval
Submitting an enquiry through this website does not guarantee:
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Loan approval
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Loan pre-approval
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Acceptance by a lender
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Access to any particular interest rate or lending product
All lending decisions are made by individual lenders based on their lending policies and assessment criteria.
Accuracy of information
Complaints & Dispute Resolution
I make every reasonable effort to ensure the information on this website is accurate and up to date.
However, interest rates, lender policies, government incentives and lending criteria can change without notice.
While I aim to keep information current, I cannot guarantee that all content will always be complete, accurate or current.
Your responsibilities
When using this website, you agree to:
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Provide accurate information when submitting enquiries.
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Use the website only for lawful purposes.
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Not interfere with the operation or security of the website.
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Not attempt to gain unauthorised access to any part of the website.
Intellectual property
Unless otherwise stated, all content on this website, including:
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Text
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Graphics
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Branding
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Logos
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Photography
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Page layouts
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Downloadable materials
is owned by or licensed to EMMA Finance and is protected by Australian intellectual property laws.
Content may not be copied, reproduced or distributed without prior written permission.
Third-party websites
This website may contain links to third-party websites for your convenience.
EMMA Finance is not responsible for the content, security or privacy practices of those websites.
Accessing third-party websites is at your own risk.
To the maximum extent permitted by law, EMMA Finance is not liable for any loss or damage arising from:
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Use of this website
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Reliance on information contained on this website
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Temporary interruption or unavailability of the website
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Technical issues outside of my reasonable control
Nothing in these Terms excludes any rights that cannot legally be excluded under Australian Consumer Law.
Limitation of liability
Privacy
Your privacy is important.
The collection and handling of personal information is explained in the EMMA Finance Privacy Policy.
Changes to these Terms
These Terms & Conditions may be updated from time to time.
Any changes will take effect when published on this website.
Continued use of the website constitutes acceptance of the updated Terms.
Governing law
These Terms & Conditions are governed by the laws of Western Australia.
Any disputes relating to the use of this website will be subject to the jurisdiction of the courts of Western Australia.
If you have any questions about these Terms & Conditions, please contact:
Contact
Thomas Rochford
EMMA Finance
East Perth, Western Australia
Changes to this policy
This Privacy Policy may be updated from time to time to reflect changes in legislation or business practices.
The latest version will always be available on this website.