TERMS AND CONDITIONS
Last Updated: February 12, 2026
Preamble: Our Role in Digital Credit Facilitation
Welcome to the Mint96 Platform, a digital credit information and facilitation platform operated by Mint Ninety Six Pty Ltd., a proprietary limited company incorporated under the laws of the Commonwealth of Australia (“Company,” “we,” “us,” or “our”).
Mint96 exists to provide a technology-driven interface through which individuals may explore, request, compare, and be connected to potential credit opportunities, loan products, and third-party financial service providers, including independent lenders and financing partners.
Mint96 is not itself a bank, authorised deposit-taking institution, licensed lender, credit provider, financial adviser, broker, or insurer. We do not issue loans, extend credit, determine interest rates, approve applications, or guarantee funding outcomes. Our role is strictly limited to that of a neutral digital facilitator and informational platform.
Section 1: Binding Agreement and Unconditional Acceptance
1.1 Acceptance Through Use
These Terms and Conditions of Use (“Agreement”) constitute a legally binding and enforceable contract between you (“User”) and Mint Ninety Six Pty Ltd.
By accessing, browsing, registering, submitting loan or credit enquiries, uploading personal or financial information, clicking any button indicating acceptance, or otherwise using the platform located at mint96.com (the “Platform”), you irrevocably and unconditionally agree to be bound by this Agreement in its entirety.
This Agreement has the same legal force and effect as a written contract executed with a physical signature.
If you do not agree to these terms, your sole and exclusive remedy is to immediately cease all use of the Platform.
1.2 Legal Capacity
You represent and warrant that you:
If acting on behalf of a business or legal entity, you warrant that you have full authority to bind that entity to this Agreement.
1.3 Electronic Contract Recognition
This Agreement is an electronic contract formed in accordance with the Electronic Transactions Act 1999 (Cth). Any electronic action signifying consent constitutes your legal signature.
Section 2: Definitions
Section 3: Nature of the Platform
3.1 Neutral Credit Facilitator
You acknowledge that Mint96 is a neutral digital intermediary only.
We:
All credit products are provided exclusively by third-party lenders.
3.2 No Lending, Brokering, or Advisory Status
Mint96 is NOT:
Any use of terms such as “loan,” “borrow,” “credit,” or “funding” is descriptive only and does not imply that the Company is providing regulated financial services.
3.3 No Agency or Fiduciary Relationship
Nothing in this Agreement creates an agency, partnership, joint venture, fiduciary, or employment relationship between the Company and any User or Lender-Partner.
3.4 No Guarantee of Approval or Funding
Mint96 makes no representations or guarantees regarding:
All credit decisions are made solely by third-party lenders.
Section 4: User Obligations
4.1 Accurate Information
You are solely responsible for providing complete, accurate, and lawful information, including:
You bear full liability for misrepresentation or omission.
4.2 Lawful Use
You must not use the Platform to:
4.3 Compliance With Laws
You agree to comply with all applicable:
Section 5: Estimates, Calculators, and Payments
5.1 Non-Binding Illustrations
Any loan calculators, repayment estimates, or figures displayed are illustrative only and non-binding. Actual loan terms are determined solely by the lender.
5.2 Third-Party Payments
Any fees or payments processed via the Platform may be handled by third-party providers. Mint96 is not responsible for:
Section 6: Disclaimers
6.1 As-Is Disclaimer
THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
6.2 Third-Party Content Disclaimer
All credit offers, terms, and lender information originate from third parties. We do not verify or guarantee their accuracy.
6.3 AI-Generated Content Disclaimer
Some Content may be generated using automated or AI-based systems and is illustrative only. You must independently verify all information before making financial decisions.
Section 7: Limitation of Liability
7.1 Exclusion of Damages
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MINT96 SHALL NOT BE LIABLE FOR:
7.2 Liability Cap
If liability is imposed despite the above, total liability is strictly limited to the lesser of:
Section 8: Indemnification
You agree to indemnify and hold harmless Mint96 from any claims arising from:
Section 9: Intellectual Property
All Platform content, branding, software, and systems are the exclusive property of Mint Ninety Six Pty Ltd.
User-submitted information may be stored, processed, and transmitted as necessary to provide Services, without compensation.
Section 10: Dispute Resolution
10.1 Mandatory Arbitration
ALL DISPUTES SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION.
10.2 Governing Law
This Agreement is governed exclusively by the laws of the Commonwealth of Australia.
10.3 Venue
Arbitration shall be seated in Sydney, New South Wales, conducted in English.
10.4 Class Action Waiver
YOU WAIVE ALL RIGHTS TO CLASS, COLLECTIVE, OR REPRESENTATIVE ACTIONS.
Section 11: Miscellaneous
Final Acknowledgment
BY USING THE PLATFORM, YOU CONFIRM THAT YOU:
