Disclaimer

Last updated: 19 July 2026

Templates, not advice

All documents sold on this site are generic policy templates prepared in good faith for use as a starting point by banks, deposit-taking institutions and finance companies. They are not, and are not a substitute for, legal advice, financial advice, compliance advice, or any other professional advice. No solicitor–client, adviser–client or other professional relationship is created by your purchase or use of any document.

Your organisation is responsible for use

Regulatory requirements differ between jurisdictions, licence types and business models, and change over time. Before any document is used or relied upon, your organisation must review it, tailor it to your circumstances, verify it against the laws and regulatory requirements that apply to you, and have it approved through your own governance processes, obtaining independent professional advice where appropriate. Responsibility for the use of any document, and for your organisation's regulatory compliance, rests solely and always with your organisation.

No warranty

Documents are provided "as is". To the maximum extent permitted by law, we make no representation or warranty that any document is accurate, complete, current, or suitable for your purposes, or that its use will satisfy any law, regulation, prudential standard or regulator's expectation.

Limitation of liability

To the maximum extent permitted by law (including the Australian Consumer Law, to the extent it applies), we exclude all liability for any loss or damage — including indirect or consequential loss, loss of profits, regulatory penalties, or losses arising from regulatory or enforcement action — arising from or in connection with the purchase or use of, or reliance on, any document. Where liability cannot be excluded, our liability is limited, at our election, to resupply of the relevant document or refund of the price paid for it.

No affiliation

FinancePolicies is not a bank and is not affiliated with, or endorsed by, any regulator or any bank. References to legislation, regulators or prudential standards are descriptive only.