UFinance Ltd are not a Financial Advise Provider (FAP) and comply with the Responsible Lending Laws in relation to its consumer credit contracts for transportable cabins and homes. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about your loan are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.