This website allows you to fill in forms and book appointments online.
This website policy applies to this website, which is operated by MalJoy Enterprise Pty Ltd ACN 666 726 236, trading as Sherrard+Co. (we, us and our). Malinda Sherrard is a Credit Representative (CRN 528874) and MalJoy Enterprise Pty Ltd is a Corporate Credit Representative (CCR 575006) of Broker ACL Pty Ltd ACN 681 761 375 (Australian Credit Licence 563763).
We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with this website. It should be read together with our Privacy Policy, which explains in detail how we collect, use, hold and disclose personal information; if anything in this policy differs from the Privacy Policy, the Privacy Policy prevails.
Our website policy may change from time to time.
We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.
Sensitive information is any information about a person's racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.
Our website contains links to the websites of third party providers of goods and services (Third Party websites). If you access a Third Party website through our website and that third party collects information about you, we may also collect or have access to that information where we have an arrangement with that third party.
Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party under such an arrangement.
We do not currently run our advertisements on Third Party websites. If we advertise on Third Party websites in future, the advertising company may use cookies and in some cases web beacons to collect information such as:
If you were to access our website after viewing one of our advertisements on a Third Party website, the advertising company may collect information on how you utilise our website (for example, which pages you view) and whether you complete an online form.
A 'cookie' is a small text file placed on your computer by a web page server, which can later be retrieved by that server. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
The pages of this website are static and do not set cookies of their own. The embedded services that power its interactive features - the Marketli booking and form widgets, Cloudflare Turnstile spam protection on our forms, and our page-view analytics - may set or read cookies or similar identifiers for purposes such as:
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us, or for the embedded services described above, to collect your IP address for your interaction with various parts of our website, including form spam protection and aggregate page-view analytics.
This website does not offer online loan applications. Its forms are an appointment booking form, a feedback and complaints form, and the rural property lending review questionnaire, and they are processed for us by Marketli, our website and forms provider, as described in our Privacy Policy.
When you send a completed online form to us, we retain the information contained in that form so that we can respond to you and provide any services that you require.
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
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We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.
Personal information submitted through the forms on this website is processed by Marketli on Australian-region infrastructure; Marketli's service providers, including hosting and security vendors, may store or process some data overseas, including in the United States. Our Privacy Policy sets out our overseas disclosures in more detail.
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The following terms apply to your use of this website. By using the website you agree to them; if you do not agree with them, please do not use the website.
The content on this website, including articles, guides and calculators, is general information only. It has been prepared without taking into account your objectives, financial situation or needs, and it is not credit advice, financial advice, legal advice or tax advice. Before acting on anything you read here, consider whether it is appropriate for your circumstances, and seek advice tailored to you. Calculator results are estimates based on the figures and assumptions shown; they are not a quote, an offer of credit, or an indication that any lender will approve an application.
These terms apply to the website itself; separate terms and disclosures apply to any credit assistance we provide, and those are given to you directly as part of that service.
Unless otherwise indicated, we own or licence the copyright, trade marks and other intellectual property in the content of this website, including its text, images, logos and downloadable guides. You may view, download and print content for your personal, non-commercial use, provided you keep any copyright and attribution notices intact. You must not otherwise reproduce, adapt, publish or distribute any part of this website without our prior written consent.
You agree to use this website lawfully and reasonably. You must not misuse the website, including by attempting to gain unauthorised access to it or its hosting systems, interfering with its operation, scraping or harvesting data from it, submitting false or misleading information through its forms, or using it to transmit spam, malware or unlawful material.
Links to Third Party websites are provided for convenience only. We do not control Third Party websites, we do not endorse their content, and we are not responsible for anything on them. Your use of a Third Party website is at your own risk and subject to that website's own terms.
We take care to keep the information on this website accurate and current, but lending products, interest rates, government schemes, duties and fees change frequently. We do not warrant that the content of this website is complete, accurate or up to date at the time you read it, and to the extent permitted by law we provide the website on an "as is" basis without warranties of any kind.
We may change, suspend or remove any part of this website at any time without notice, and we do not promise that the website will be available or error-free at all times.
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Competition and Consumer Act 2010 (Cth) or any other law that cannot lawfully be excluded.
Subject to that, and to the extent permitted by law, we exclude all liability for any loss or damage, however arising (including through negligence), that you may suffer in connection with your use of, or reliance on, this website or its content. Where our liability cannot be excluded but can be limited, it is limited to resupplying the relevant information or services, or paying the cost of resupplying them.
These terms are governed by the laws of New South Wales, Australia. You and we submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts entitled to hear appeals from them.
We may update this policy and these terms from time to time by publishing the updated version on this page. The version published here at the time you use the website is the version that applies.
Document date: September 2026.
Next review date: September 2027, or earlier if our details, licensing arrangements or the law change.