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Terms & Conditions

Last updated: 2 September 2026

Terms & conditions

These Terms & Conditions outline how this website may be used and the conditions that apply when you engage with Thrive Recovery Finance.

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By using this website or contacting us, you agree to these Terms & Conditions.

 

If you have any questions, please contact us:

1. General information only

The information provided on this website is for general information only.

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It is not legal or medical advice and should not be relied upon as a substitute for advice from appropriately qualified professionals.

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Information about finance is general in nature unless and until your individual circumstances are assessed as part of a finance enquiry or application.

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Every person’s circumstances are different. Finance options are subject to individual circumstances, lender criteria and responsible lending requirements.

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Where Grahame, Sean or Rochelle share personal or lived experience relating to addiction, rehabilitation or recovery, this is provided for general information and support only. It should not be relied upon as medical, psychological or other professional advice.

2. Thrive Recovery Finance provides finance broking services

Thrive Recovery Finance helps eligible applicants explore finance options that may be available for self-funded private drug and alcohol rehabilitation.

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Where appropriate, we may:

  • Discuss your finance needs and circumstances

  • Help you explore suitable finance options

  • Assist with a finance application, with your consent

  • Liaise with lenders throughout the application process

 

We do not:

  • Act as a lender

  • Determine interest rates, fees or loan terms

  • Guarantee finance approval

  • Guarantee that any particular finance product will be available or suitable

 

All lending decisions are made by the relevant lender.

3. Our team and roles

Grahame brings more than 20 years of lending and finance experience and is responsible for finance and lending-related services provided through Thrive Recovery Finance.

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Sean works alongside Grahame and may assist with enquiries, administration, document preparation and the finance process. He also brings lived experience of addiction, rehabilitation and recovery.

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Rochelle does not provide lending or write finance through Thrive Recovery Finance. Her role is focused on business development and, where appropriate, support conversations informed by her lived experience as a parent supporting a loved one through addiction and recovery.

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The involvement of each team member will depend on the nature of your enquiry.

4. Our role in relation to rehabilitation

Thrive Recovery Finance provides guidance relating to the financial side of private rehabilitation.

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We do not:

  • Recommend or endorse rehabilitation providers

  • Recommend one treatment location over another

  • Arrange or guarantee admission to rehabilitation

  • Provide medical, psychological or therapeutic advice

  • Determine whether rehabilitation is appropriate for any individual

 

Choosing a rehabilitation provider or treatment pathway is a personal decision that should be made with appropriately qualified healthcare professionals.

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Recovery outcomes

 

Every person’s recovery journey is different.

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While Thrive Recovery Finance may assist eligible applicants to explore finance options for private rehabilitation, we do not guarantee:

  • Admission to a rehabilitation program

  • The effectiveness of any treatment provider or program

  • Treatment outcomes

  • Recovery outcomes

5. Eligibility and loan approval

Eligibility for finance depends on a range of factors, which may include:

  • Income

  • Employment

  • Existing financial commitments

  • Credit history

  • Ability to meet repayment obligations

  • Individual lender requirements

 

Submitting an enquiry or finance application does not guarantee approval.

 

All lending decisions remain the responsibility of the lender.

6. Accuracy of information

By contacting us or submitting a finance enquiry or application, you agree to provide information that is, to the best of your knowledge:

  • Accurate

  • Complete

  • Current

 

Providing incomplete, inaccurate or misleading information may affect the finance application process or the ability of a lender to assess your application.

7. Privacy and confidentiality

We recognise that enquiries relating to addiction, rehabilitation and recovery may involve highly personal or sensitive circumstances.

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Personal information is handled in accordance with our Privacy Policy, which explains:

  • What information we collect

  • Why we collect it

  • How it is used and stored

  • Who it may be shared with

  • How you can request access to or correction of your information

8. Confidential conversations

Every conversation with Thrive Recovery Finance is treated with care, respect and confidentiality.

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Information may be shared within the Thrive Recovery Finance team only where reasonably necessary to manage your enquiry or provide the relevant service.

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If you choose to proceed with a finance application, relevant information may also be shared with lenders, finance partners or other organisations involved in assessing or processing the application.

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Communications through third-party platforms such as Facebook, Instagram or other messaging services are also subject to the privacy and security practices of those platforms.

9. Website use

By using this website, you agree that you will not:

  • Misuse or interfere with the operation of the website

  • Attempt to gain unauthorised access to the website or related systems

  • Use the website for unlawful purposes

  • Copy, reproduce or commercially use website content without written permission

 

Unless otherwise stated, website content, branding and materials are owned by or licensed to Thrive Recovery Finance.

10. External links

Our website may include links to third-party websites, including:

  • Government resources

  • Lenders

  • Rehabilitation information

  • Health organisations

  • Other relevant services or resources

 

These links are provided for convenience and general information only.

 

Thrive Recovery Finance does not control external websites and is not responsible for their content, availability, privacy practices or accuracy.

 

A link to an external website does not necessarily mean that Thrive Recovery Finance recommends or endorses that organisation, service or provider.

11. Cookies and analytics

Our website may use cookies and analytics technologies, including Wix analytics tools and, where enabled, advertising or analytics tools such as Meta Pixel.

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These may be used to:

  • Understand how visitors use our website

  • Improve website functionality and user experience

  • Measure website traffic

  • Measure the effectiveness of advertising where applicable

 

You can manage or disable cookies through your browser settings.

12. Website and service changes

We may update or modify this website or our services from time to time without prior notice.

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This may include changes to:

  • Website content

  • Information about finance options

  • Contact details

  • Team roles

  • Service offerings

 

While we take reasonable steps to keep website information current, we cannot guarantee that every piece of information will always be complete or up to date.

13. Limitation of liability

To the maximum extent permitted by law, Thrive Recovery Finance is not liable for loss, damage or expense arising from:

  • Use of this website

  • Reliance on general information provided through this website

  • Decisions made based on website content

  • Finance application outcomes

  • Lending decisions made by third-party lenders

  • Decisions made by rehabilitation providers

  • Treatment or recovery outcomes

 

Nothing in these Terms & Conditions excludes any rights or guarantees that cannot lawfully be excluded under Australian law.

 

Financial decisions should be made after considering your individual circumstances and, where appropriate, obtaining independent professional advice.

14. Governing law

These Terms & Conditions are governed by the laws applicable in Australia.

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Any dispute arising in connection with this website or our services will be subject to the jurisdiction of the relevant Australian courts.

15. Contact us

If you have any questions about these Terms & Conditions, please contact:

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