Terms and Conditions

Please read these terms and conditions carefully. By accessing this website, you agree to be
bound by the terms and conditions below.

Copyright

Copyright in the information contained in this site subsists under the Copyright Act 1968
(Cth) and, through international treaties, the laws of many other countries. It is owned by us
unless otherwise stated. All rights reserved. You may download a single copy of this
document and, where necessary for its use as a reference, make a single hard copy. Except
as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this
publication may be otherwise reproduced, adapted, performed in public or transmitted in any
form by any process (graphic, electronic or mechanical, including photocopying, recording,
taping or by storage in an information retrieval system) without our specific written consent.

General Advice Warning

The advice contained on this site does not take into account any persons particular
objectives, needs or financial situation. Before making a decision regarding the acquisition of
a Credit Product, persons should assess whether the advice is appropriate to their
objectives, requirements or financial situation. We recommend you obtain advice before
acting upon any of the information on this site. No responsibility is taken for persons acting
on the information on this site. Persons doing so, do so at their own risk.

Calculators and Assumptions

Any calculators available on the site are designed to give you some examples of different
financial scenarios, based on stated assumptions and the figures you input. The calculations
are intended as estimates only and they are not meant to be kept or used for any practical
purpose, or as a substitute for professional financial advice. Any calculators or information
provided on our websites are provided for your convenience only and do not constitute either
credit or financial advice. Information on our websites has been prepared without
consideration of your particular circumstances and should be viewed as generic information
only and not as indicating that you should follow a particular course of action.
While we have based the information on sources that we believe are reliable and accurate,
your actual outcomes will depend on a range of factors outside of our control. You should
not rely on these calculators when you are making decisions about lending and/or financing.
Instead, you should consider obtaining credit advice from an Authorised Credit
Representative.

Links to Third Party Sites

Our website may contain links to external websites. While such links are provided for your
convenience, you should be aware that the information handling practices of the linked web
sites might not be the same as ours. The links do not constitute endorsement of material at
those sites or any associated organisation product or service. These external information
sources are outside our control. It is the responsibility of users to make their own decisions
about the accuracy, currency, reliability and correctness of the information at those sites. By
accessing information at or through this site each user waives and releases us to the full
extent permitted by law from any and all claims relating to the usage of the material made
available through the website. In no event shall we be liable for any incident or consequential
damages resulting from use of the material. Each website will have its own privacy policy
and security standards and you should check these as we cannot confirm what standards
these third party websites may adopt.

Terms of Use/Governing Law

The information in this site has been prepared in accordance with Australian law for the
supply of goods and services. This notice and the information in this site and all matters
relating to either are governed by and are to be construed according to the laws applicable in
the State of Western Australia and the Commonwealth of Australia (“Australian law”). The
information may not satisfy the laws of any other country. It is not directed at people in any
other country and should not be relied on by people in any country other than Australia. The
information in this site is current at the date of publication but may be subject to change.

Limitation of liability

We do not warrant or represent that the information in this site is free from errors or
omissions or is suitable for your intended use. We recommend that you seek independent
advice before acting on any information in this site. Subject to any terms implied by law and
which cannot be excluded, we accept no responsibility for any loss, damage, cost or
expense (whether direct or indirect) incurred by you as a result of any error, omission or
misrepresentation in any information on this site.