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Terms & Conditions

Website Use

Skillful Financial Services – (Manoj Kumar Rai ABN 90 730 671 362, trading as Skillful Financial Services. Credit Representative Number 481060 of Credit Licence Number 391237 of BLSS Pty Ltd, ACN 117 651 760) may from time to time change the contents of this website (including these legal notices) without notice. Your use of the website means that you accept the terms and conditions set out on this page. If you do not accept these terms and conditions you should immediately cease using the website.

This Website was prepared for use by Australian users only. Please do not use this Website if you reside outside of Australia.

Liability Disclaimer

The materials and information on our website are provided to give you general guidance in the different related areas of – residential, commercial, personal, business and asset finance. We assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on our website.

Copyright & Links

This website is owned by Skillful Financial Services and subjects to copyright. This website may also contain the third party supplied material that is subject to copyright. We take no responsibility for the use of information provided on this website. Except as permitted by the Copyright Act 1968, you may not reproduce, transmit, disseminate, sell, or publish information on this website without prior written permission from Skillful Financial Services, provided that you may use the information for your private or internal purposes.

This website may contain links to other websites. Such links do not constitute an endorsement or recommendation of any material on those linked websites or any third party products and services offered by, from or through those sites.


We take reasonable steps to protect the information that you transmit using this Website. However, we cannot guarantee the security of any information that you transmit to us using this Website. Therefore, any information you transmit using this Website is transmitted at your own risk. When using this Website, you must take precautions to ensure that you are not exposed to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. We do not accept responsibility for any such interference or damage to your systems which arises in connection with your use of this Website.

Personal Information & Privacy

Your submission of personal information through this website is governed by our Privacy Policy. Please ensure that have read our Privacy Policy as part of Terms of Use for this website.


If any provision of these Terms is found to be void, unlawful or unenforceable for any reason, then that portion of the provision which creates the invalidity, unlawfulness or unenforceability will be severable from these Terms remaining provisions.

These Terms are governed by the laws of the New South Wales, Australia.