User name and password
We may issue you with a user name and password in order to access some of the Services, and you are responsible for maintaining the confidentiality of your user name and password. We may terminate your access to any or all of the Services without notice if you breach these terms and conditions.
The Services are intended for use within Australia. Any information on and offers via the Services are only valid for Australian residents unless otherwise stated.
The information on the Services is of a general nature (for example, regarding our products and services) and does not comprise professional advice or product recommendation. In preparing the information on the Services (including any information which you may obtain by using any online tool such as calculators), we have not taken into consideration your objectives, financial situation or needs.
The information on any secured parts of the Services (that is, after you have signed in with a username and/or password or via other forms of authentication), we may provide information more tailored to your needs. You should still carefully consider its appropriateness (such as having regarding to your circumstances) before acting on it.
Unless otherwise stated, any quote that you may obtain via the Services is for illustrative purposes only. Any estimated interest rate, repayments and similar amounts are exactly that – an estimate only. Any actual interest rate, repayments and similar amounts will depend on the credit assessment conducted on your application. Terms, conditions, fees and charges may apply.
You should carefully consider whether the information on the Services is appropriate to you in light of your particular objectives, financial situation and needs. We recommend you review any relevant disclosure document relating to a product or service and obtain professional advice before making any financial decision.
We may provide you with an online application form. All applications are subject to normal approval criteria.
Licence to use the Services
Unless otherwise stated, we own the intellectual property rights in and related to the Services and material on the Services. All our rights are reserved. You may view, download for caching purposes only, and print pages or images from the Services for your own personal use, subject to any restrictions set out below and elsewhere in these terms and conditions.
You must not use or duplicate the Services, or material on the Services for any other purpose without our express written consent.
We may use terminology, logos and images such as Apple, Google and Windows. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Windows is a registered trademark of Microsoft Corporation in the United States and other countries.
You must not use the Services in any way that causes, or may cause, damage to the Services or impairment of the availability or accessibility of the Services; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use the Services to copy, store, host, transmit, send, use, publish or distribute any material that consists of (or is linked to) any spyware, virus or any other malware. You must not conduct any systematic or automated data collection activities of any type on or in relation to the Services without our express written consent.
You agree to indemnify us and keep us indemnified against all actions, claims, costs, demands, damages (including legal costs on a full indemnity basis) or liability incurred or arising relating to your use of or inability to use the Services, your use of any information contained in it, and/or liability arising in any manner from a breach by you of these terms and conditions.
These Terms and Conditions do not exclude, restrict or modify the provisions, available rights or remedies, or our liability under the Australian Consumer Law or any other applicable laws, where doing so would contravene the applicable laws or make any part of these Terms and Conditions void.
We use reasonable efforts to maintain the Services. However, the Services are provided ‘as is’. We do not (1) guarantee the security of the Services, that the Services will be free from viruses, or that access to the Services will be uninterrupted; (2) give any warranties or representations on the quality, accuracy or completeness of the information on the Services; (3) accept any responsibility arising in any way including by reason of negligence for, errors in, or omissions from, the information on the Services; and (4) accept any liability for any loss or damage (including but not limited to incidental, direct, indirect, special, punitive or consequential), however caused, as a result of any person relying on any information on the Services or being unable to access the Services. All warranties and conditions (whether express or implied) are excluded to the extent permitted by law.
Use of the content on the Services and any use of the Services are at the user’s sole risk. For example, as you may not always be able to access the Services as a result of scheduled or unscheduled maintenance, or for other reasons, you should consider this in situations that are time-sensitive such as when you need to provide us with information by a particular date and time.
Third party websites
The Services may contain links to, or display content from, third party websites (Other Content) which we provide for your convenience. We do not operate or control these websites and we do not endorse or approve these Other Content; we make no warranties or representations regarding their quality, accuracy or completeness. Accessing these links and the use of these Other Content are solely at your own risk; we accept no responsibility and will not be liable for any loss or damage whatsoever suffered as a result of you doing so.
Limitation of liability
If you have rights in relation to the supply of services that cannot lawfully be excluded, to the extent permitted by law, our liability in respect of any such right is limited to the lesser of (a) the supply of the services again or (b) the payment of the cost of having them supplied again. If you have rights in relation to any information used by you as a consequence of your use of the Website that cannot lawfully be excluded, to the extent permitted by law, our liability in respect of any such right is limited to the lesser of (a) the price paid by you for that information or (b) A$1,000.
Law and jurisdiction
Use of the Services and these terms and conditions are governed and interpreted in accordance with the laws of Victoria and New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts of Victoria and New South Wales, Australia for determining any dispute concerning these terms and conditions.
Privacy and cookies
Data collection by conversion tracking
This site may use a cookie to measure advertising performance if we have opted in to conversion tracking on search and advertising service providers such as Google and its AdSense partner’s websites. By way of example, the conversion tracking cookie is set when a user clicks on an advertisement delivered by Google where we have opted in to tracking. Generally, these cookies expire within 30 days and are not personally identifiable. We use the information collected to provide aggregate conversion statistics. We are able to see the total number of users who have clicked on our ad and proceeded to a page tagged with a conversion tracking tag, but do not have access to personally identifying information. If you want to disable conversion tracking cookies, you can set your browser to disable cookies.
We have taken all reasonable care in compiling the content of the Services but we cannot guarantee that it would contain all the information you need to answer all your questions. For information and assistance, please contact us on 03 9398 4862. All product related information is subject to change at any time without notice.