Legal

Legal Information

Disclaimer, Privacy Policy, Credit Representative details, and Feedback & Complaints process.

Disclaimer

The information provided on the Hardie Finance Group website is for general informational purposes only. By using this website, you agree to the terms of this disclaimer.

No Financial or Professional Advice

Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The content on this website is of a general nature and is not intended as, and should not be understood or construed as, financial, legal, or tax advice. It does not take into account your personal needs and requirements. Lender policy and conditions, fees and charges will apply.

As an agribusiness finance specialist, Adrian Hardie provides information based on general market conditions. However, every farming business is unique. You should always seek independent professional advice from your accountant, lawyer, or financial advisor tailored to your specific circumstances before making any financial decisions.

Accuracy of Information

While we strive to keep the information on this website up to date and correct, Hardie Finance Group makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information, products, or services contained on the website. Finance products and interest rates in the agricultural sector change frequently. Any reliance you place on such information is therefore strictly at your own risk.

Third-Party Links

Through this website, you may be able to link to other websites which are not under the control of Hardie Finance Group. We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Limitation of Liability

In no event will Hardie Finance Group be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Privacy Policy

At Hardie Finance Group Pty Ltd ACN 691 132 751, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

What information do we collect and how do we use it?

We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal and their representatives.

We also use your information to send you requested product information and to manage your ongoing relationship with us (invoicing, client surveys, etc.). We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications. We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. If you would rather not receive this information, please contact us.

What if you don't provide some information to us?

If you don't provide us with full information, we can't properly advise or assist you with your credit needs.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

We hold information we collect from you in secure cloud-based storage and within the Mercury Nexus platform provided by Connective. We employ rigorous digital security measures including multi-factor authentication (MFA) and password protection.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others. We may need to provide your information to our credit licensee (for administration and supervision activities), to contractors who supply services to us (such as mailings on our behalf), or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. We will do our best to ensure that they protect your information in the same way that we do.

We may also provide your information to others if we are required to do so by law or under unusual circumstances which the Privacy Act permits.

Disclosures to overseas recipients

Some recipients to whom we disclose your personal information may be based overseas. It is not practicable to list every country, but these are likely to include the Philippines, India, and Nepal.

From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. You can opt out at any time by notifying us.

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate. To request access or corrections, write to Adrian Hardie at [email protected]. We do not charge for access or correction requests.

Your consent

By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided for the purposes described above. For more information on your privacy rights please visit www.oaic.gov.au.

Questions or concerns

Contact Adrian Hardie
Phone: 0494 578 218
Email: [email protected]

Credit Representative Details

Hardie Finance Group is committed to providing transparent, professional finance solutions for the agricultural sector. As part of your financial future, we provide the following regulatory disclosures in accordance with the National Consumer Credit Protection Act 2009.

Business Entity Details

Business Name: Hardie Finance Group
Entity Name: Hardie Finance Group Pty Ltd ACN 691 132 751 as trustee for Hardie Finance Group Trust ABN 96 909 480 450

Credit Representative Details

Credit Representative Name: Hardie Finance Group
Credit Representative Number: 575775

Licensee Details

Hardie Finance Group is an authorised Credit Representative of Connective Credit Services Pty Ltd.
Australian Credit Licence Number: 389328

Professional Memberships

To ensure we provide a high standard of expert service, we maintain active memberships with the following industry bodies:

  • MFAA: Full Member of Mortgage & Finance Association of Australia, Member number 856566
  • AFCA: Member of the Australian Financial Complaints Authority, Member number 119660

Important Disclosures

Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Hardie Finance Group maintains professional indemnity insurance and adheres to a strict internal and external dispute resolution process.

Verify our licence

You can verify our credit representative status on ASIC Connect: connectonline.asic.gov.au. For independent consumer information about credit and finance, visit ASIC's MoneySmart: moneysmart.gov.au.

Feedback & Complaints

At Hardie Finance Group, we are committed to building transparent and lasting relationships with our clients across the agricultural sector. By listening to your feedback, we ensure that our services continue to meet the high standards you expect from a specialist finance brokerage.

As an ex-Big 4 banker and active producer, Adrian Hardie understands that clear communication and accountability are the foundations of a successful partnership. Whether we have exceeded your expectations or fallen short, we want to hear from you.

Compliments

Our team takes pride in delivering tailored finance solutions that help your agribusiness grow. If we have met or exceeded your expectations, we would love to hear from you.

  • Private feedback: email [email protected] or call 0494 578 218
  • Public reviews: the greatest compliment you can give us is a referral or a public review. By sharing your experience, you help other producers find specialist finance support and avoid the "Loyalty Tax."

Concerns & Complaints

If you feel you have not received the highest standard of care, we encourage you to share your concerns with us immediately. We have a disciplined internal dispute resolution process designed to address issues quickly, fairly, and with the expert attention they deserve.

To help us resolve your concern efficiently, please provide as much detail as possible regarding the nature of your complaint:

Our Resolution Process

We aim to resolve most concerns on the spot. If that isn't possible, we follow a strict timeline:

  • Acknowledgement: within 1 business day
  • Investigation: we will treat you fairly and work to resolve the matter as quickly as possible
  • Communication: if an investigation takes longer than 30 days (or 45 days for certain complex credit matters), we will write to explain the delay and provide an expected completion date
  • Outcome: upon completion, we will provide a written response outlining the reasons for our decision

External Dispute Resolution: AFCA

We hope to resolve any issues directly with you. However, if you are not satisfied with our final response, or if we have not resolved your complaint within the required timeframe, you may refer the matter to the Australian Financial Complaints Authority (AFCA), which provides a free and independent dispute resolution service for consumers.