Last Updated: January 19, 2026
Welcome to the 6cel Platform, a digital credit information and facilitation platform operated by 6cel Inc., a corporation incorporated under the laws of Australia (“Company,” “we,” “us,” or “our”).
6cel 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.
6cel 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.
These Terms and Conditions of Use (“Agreement”) constitute a legally binding and enforceable contract between you (“User”) and 6cel Inc.
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 6cel.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.
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.
This Agreement is an electronic contract formed in accordance with applicable Australian electronic transactions laws. Any electronic action signifying consent constitutes your legal signature.
Company: 6cel Inc., its affiliates, officers, directors, contractors, successors, and assigns
Platform: 6cel.com and all related systems, software, APIs, dashboards, and communications
Services: Digital facilitation of credit enquiries, loan-related information, and connections with third-party lenders
Lender-Partner: Any independent third-party lender, financier, or credit provider
Credit Opportunity: Any potential loan, financing, or credit product offered by a third party
User: Any individual or entity accessing or interacting with the Platform
Content: All text, data, estimates, calculators, illustrative figures, AI-generated content, and third-party information
You acknowledge that 6cel is a neutral digital intermediary only.
We:
All credit products are provided exclusively by third-party lenders.
6cel 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.
Nothing in this Agreement creates an agency, partnership, joint venture, fiduciary, or employment relationship between the Company and any User or Lender-Partner.
6cel makes no representations or guarantees regarding:
All credit decisions are made solely by third-party lenders.
You are solely responsible for providing complete, accurate, and lawful information.
You bear full liability for misrepresentation or omission.
You must not use the Platform to:
You agree to comply with all applicable:
All repayment estimates or figures are illustrative only. Actual loan terms are determined solely by lenders.
6cel is not responsible for payment failures, fees, or refund disputes handled by third-party processors.
THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
ALL WARRANTIES ARE DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY AUSTRALIAN LAW.
We do not verify or guarantee third-party lender information.
AI-generated content is illustrative only and must be independently verified.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, 6CEL SHALL NOT BE LIABLE FOR financial loss, loan rejection, credit score impact, or indirect damages.
Total liability is limited to the lesser of:
You agree to indemnify and hold harmless 6cel Inc. from claims arising from misrepresentation, disputes with lenders, or breach of this Agreement.
All platform systems, branding, and content are the exclusive property of 6cel Inc.
All disputes shall be resolved through final and binding arbitration.
This Agreement is governed exclusively by the laws of Australia.
Arbitration shall be seated in Sydney, New South Wales, Australia, conducted in English.
Users waive all rights to class or representative actions.
BY USING THE PLATFORM YOU CONFIRM THAT YOU:
