The words 'you' and 'your' refer to users of the Site.
The material on the Site is published by us and is intended for use in Australia. The Site is not intended for use outside Australia. We make no claim that the information contained on the Site is appropriate or may be downloaded legally outside Australia. If you access the Site from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your own jurisdiction.
The Site is a business and commercial Site. It is, therefore, not intended for persons under the age of 18. You warrant that you are aged 18 or older.
When using our Site and as is common with other Sites, log files are stored on the web server for each visitor that reaches the Site. Non-personally identifiable information we may collect from each visitor includes, but is not limited to: IP address, browser type, version and language, time of visit, operating system, pages viewed while browsing the Site, page access times and referring Site address.
This collected information is used for the purpose of gauging visitor traffic, trends and delivering personalised content to you while you are at the Site. Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
While reasonable steps have been undertaken to ensure that the information, materials and services contained on the Site are free from error. We do not warrant the accuracy, adequacy or completeness of content.
Information on the Site may change without notice to you unless we are required by law to provide you with notice of any changes. All terms implied by law, except those that cannot be excluded by law are excluded.
We provide a facility on the Site that enables you to make an application for credit contracts that we provide. You agree to use the information you access on the Site, and only make applications for credit, in respect of your own personal consumer credit needs.
You agree that in using the Site you will not, either directly, or indirectly through another party, use any robot, spider, screen scraper, data aggregation tool or other device or process to process, monitor, copy or extract any web pages on the Site or any of the information, content or data contained within or accessible through the Site, without our prior written permission. Further you agree not to use any process to aggregate or combine information, content or data contained within or accessible through the Site with information, content or data accessible via or sourced from any third party. In addition, you agree not to use any information on or accessed through the Site for any commercial purpose or otherwise (either directly or indirectly) for profit or gain. You also agree not to reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Site, or copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Site without our prior written permission.
You agree, when applying for or entering into a contract through the Site, to receive Contracts and any other legal or disclosure document(s) required by law, electronically via email to an email address you provide, or by accessing or downloading the document online, at the Site, or at another site we direct you to.
You agree to complete the relevant applications forms honestly and completely.
When you send a completed online application to us, we retain the information contained in that application for as long as our relationship with you lasts, and for a reasonable period of time after it ends.
We will not be liable or responsible for:
We regularly review our site security measures and take reasonable efforts to ensure that the most up-to-date encryption methods are used. However, we cannot guarantee that information that you transmit over the internet is entirely secure.
You understand that any message or information you send using the Site may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.
All content and services on or available through the Site are provided on an 'as is' basis and we do not make any representation or give any warranty or guarantee in respect of the Site or its content.
When you submit information via the Site, you accept that you do so at your own risk. We take all reasonable care to ensure that information that is received by us is secure in our systems, and we encrypt the data prior to transmitting it via the internet to third parties. However, we can never guarantee that the information we receive is secure. We do not guarantee that the Site is virus free, or that access to the Site will be free from interruption. By using the Site, you accept that you do so at your own risk.
To the extent permitted by law, you release us (including all Directors, Office Holders, Management & Staff) from any liability, in contract, tort (including negligence), equity or under statute, for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential damages, losses or expenses, including without limitation lost or misdirected orders, lost profits, lost goodwill, or lost or stolen programs or other data, however caused and arising out of or in connection with:
To the extent permitted by law, you release us (including all Directors, Office Holders, Management & Staff) from any liability, in contract, tort (including negligence), equity or under statute, for any damages, including, without
The content of emails that you send to us (and our responses) are stored and also monitored for security reasons.
When you access the Site (our Site) after viewing one of our advertisements on a third-party website, the advertising company collects information on how you utilise the Site (our Site- (e.g., which pages you view) and whether you complete an online application.
We may receive a copy of that information, or access to that information as a result of an arrangement with the third-party website. The purpose of this is allow us to evaluate the effectiveness of the advertising.
The Site may contain a number of links to other websites that are operated by third parties. The provision of the link does not mean that we endorse or accept any responsibility for the content, use, or products and services made available through the third-party websites. By utilising these links, you acknowledge and agree that we are not responsible for the actions, content, accuracy, privacy policies, opinions expressed, services provided, goods sold, or other links provided by the third-party websites. You further acknowledge and agree that we are not responsible either directly or indirectly for any damage or loss caused by use of or reliance on linked websites.
If you have accessed third party websites through the Site and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
Where you access a third-party website from the Site (our Site), cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
Should you have any questions regarding these third-party websites, you should address them directly with the relevant site administrator.
The Site contains general information about our products and services. This information does not, unless we state otherwise, constitute an offer or inducement to enter into a credit contract, nor form part of any terms and conditions of any products or services offered.