So Money – Terms & Conditions
These Terms and Conditions apply to the website operated by Lingqing Capital Pty Ltd trading as So Money (“So Money”, “we”, “our”, “us”). By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree, you must not use this website. We may update these Terms and Conditions at any time without notice.
“You” and “your” refer to any user of this website at www.somoney.com.au.
1. General Information
This website is intended for use in Australia. All offers, products, and services described on this website are only available to Australian citizens or Australian residents unless otherwise stated.
Information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Nothing on this website constitutes financial, credit, taxation, or legal advice.
Any tools, calculations, or estimates (such as interest rate estimates or repayment figures) are illustrative only. Actual rates, fees, and repayments will depend on So Money’s credit assessment of your application.
Fees and charges may apply. Before acting on any information found on this website, you should consider whether it is appropriate for you and seek independent professional advice. Please review any relevant disclosure documents before making any financial decision.
2. Disclaimer – Comparison Rate
Comparison rates shown across all So Money channels—including our website, online ads, print ads, email marketing, and social media—are calculated using a secured loan of $150,000 over a 25-year term.
WARNING: The comparison rate applies only to the example provided and may not include all fees and charges. Different loan amounts, terms, or fee structures may result in a different comparison rate.
3. Licence to Use This Website
We grant you a limited, non-exclusive, revocable licence to access and use this website for personal and non-commercial purposes.
You must not copy, reproduce, distribute, modify, publish, or use any part of this website for any other purpose without our express written consent.
You agree to indemnify and hold us harmless from any claims, losses, damages, or costs (including legal costs on a full indemnity basis) arising from:
- your breach of these Terms and Conditions, or
- any improper or unlawful use of this website by you or any person who accessed it using your device or login.
4. Acceptable Use
You must NOT use this website:
- in any way that damages or interferes with its availability or functionality
- for any unlawful, fraudulent, or harmful purpose
- to upload, distribute, or transmit malware, viruses, spyware, or any malicious software
- to conduct any automated data collection, scraping, or data mining without our express written consent
You also agree to indemnify us for any costs or damages arising from your misuse of the website.
5. No Warranties
While we use reasonable efforts to maintain this website, it is provided “as is”. To the maximum extent permitted by law:
- we do not guarantee continuous or secure access to the website
- we do not warrant that the website is free from viruses or other harmful components
- we do not guarantee the accuracy, completeness, or reliability of the information on this website
- we accept no responsibility for errors, omissions, or any loss or damage suffered by any person relying on information on this website
- all implied warranties and conditions are excluded
Use of this website is at your own risk.
6. Third-Party Websites
This website may contain links to external websites or display content originating from third parties (“Third-Party Content”). These links are provided for convenience only.
We do not control, endorse, or approve Third-Party Content and we make no representations about its accuracy or completeness.
Accessing any third-party website is at your own risk. We accept no responsibility for:
- the content of external websites
- any loss or damage arising from your use of Third-Party Content
- inaccurate information about So Money appearing on third-party websites
Each third-party website has its own privacy policy and terms. You should review these before using their services.
7. Privacy & Cookies
We are committed to protecting your privacy. Please refer to our Privacy Policy, which explains how we collect, use, and protect your personal information when you access or interact with this website.
Our Privacy Policy also contains information about how we use cookies and similar technologies.
8. Data Collection – Conversion Tracking
This website may use cookies for advertising performance measurement, including Google conversion tracking.
Where enabled:
- a temporary cookie is created when you click on a Google advertisement
- the cookie expires within 30 days
- it is not personally identifiable
- data is used only to generate aggregated conversion statistics
If you prefer, you may disable cookies through your browser settings.
9. Further Information
We have taken reasonable care in compiling the information on this website; however, we do not guarantee that all information is complete or up to date.
For assistance or more detailed product information, please contact our team on 1300 936 668.
All product information is subject to change at any time without notice.
Last updated: 26 Nov 2025