Terms and Conditions

1.1 Term

These Terms apply from the time you agree to these Terms, until the date these Terms are terminated in accordance with their Terms (Term).

1.2 Services

Subject to your compliance with these Terms, we will provide you with access to the Services.

1.3 Access

Where we require access to your premises or computer systems in order to provide the Services, you agree to provide us with such access free from risk to the safety of our employees and contractors.

1.4 Scope

We will not be responsible for any other services unless expressly set out in these Terms or on our Site.

1.5 Beta Services

If we provide you with access to any new or beta services, you acknowledge that because of the developmental nature of such services, you use them at your own risk and we have no obligation to maintain or provide error corrections. Any new or beta services we provide you with access to are for evaluation purposes only and not for production use, and we may discontinue those services at any time at our sole discretion.

1.6 Third Parties

Where you engage third parties to operate alongside the Services (for example, any third-party software systems you wish to integrate with the Services), those third parties are independent of us and you are responsible for (meaning we will not be liable for) the goods or services they provide, unless we expressly agree otherwise.

1.7 Variations

We may amend these Terms at any time, by providing written notice to you. By clicking "I accept" or continuing to use the Services after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you should cease using the Services.

2.1 Registration

You must sign up for an Account in order to access and use the Services.

2.2 Your Responsibilities

While you have an Account with us, you agree to:

• •keep your information up-to-date (and ensure it remains true, accurate and complete);
• •keep usernames and passwords secure and confidential, and protect them from misuse or being stolen; and
• •notify us if you become aware of, or have reason to suspect, any unauthorised access to your Account or any logins linked to your Account.

2.3 Account Closure

If you close your Account, you will lose access to the Services.

3.1 Grant of Licence

During the Term, we grant you a right to use our basic Services in accordance with these Terms. This right cannot be passed on or transferred to any other person.

3.2 Restrictions

You must not:

• •access or use the Services in any way that is improper or breaches any laws, infringes any person's rights (for example, intellectual property rights and privacy rights), or gives rise to any civil or criminal liability;
• •interfere with or interrupt the supply of the Services, or any other person's access to or use of the Services;
• •introduce any viruses or other malicious software code into the Services;
• •use any unauthorised or modified version of the Services, including but not limited to for the purpose of building similar or competitive software or for the purpose of obtaining unauthorised access to the Services;
• •attempt to access any data or log into any server or account that you are not expressly authorised to access;
• •use the Services in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing;
• •circumvent user authentication or security of any of our networks, accounts or hosts or those of any third party; or
• •access or use the Services to transmit, publish or communicate material that is, defamatory, offensive, abusive, indecent, menacing, harassing or unwanted.

4.1 General Advice

The advice and information provided our Site is general in nature only and has been prepared without taking account of your particular objectives, financial situation or needs. We do not provide financial advice or real estate advice. You should, before acting on any advice or information on the Site, consider the appropriateness of the advice or information, having regard to your objectives, financial situation and needs.

4.2 Third-Party Providers

We may refer you to third-party service providers, including mortgage brokers, conveyancers, and other property-related professionals (Third-Party Providers). Any services provided by Third-Party Providers are subject to separate terms and conditions between you and the Third-Party Provider. We do not guarantee the quality, suitability, or outcome of any Third-Party Provider's services. You acknowledge that:

• •we are not responsible or liable for any acts, omissions, advice, or services provided by Third-Party Providers;
• •any arrangements you enter into with Third-Party Providers are independent of your agreement with us;
• •we may receive referral fees, commissions, or other benefits from Third-Party Providers for referring you to them, and you consent to us receiving such benefits; and
• •you should conduct your own due diligence and obtain independent advice before engaging any Third-Party Provider.

4.3 Recommendations

Where we refer you to Third-Party Providers (including mortgage brokers), such referrals are provided as a recommendation only based on information provided through the Site. You are free to engage any mortgage broker or other service provider of your choice, and we do not require or compel you to use any Third-Party Provider we recommend.

4.4 Financial Advice

Any mortgage broker or financial service provider you engage (whether referred by us or otherwise) will be providing you with financial advice that is subject to their own obligations and licensing requirements. We are not providing financial advice through our referrals or recommendations. Before acquiring any financial product, you should obtain and review its product disclosure statement and consider obtaining independent financial advice to assess whether the product is appropriate for your circumstances.

4.5 Due Diligence

You should conduct your own due diligence on any Third-Party Provider before engaging their services. Past performance is not a reliable indicator of future performance.

5.1 Availability

While we strive to always make the Services available to you, we do not make any promises that these will be available 100% of the time. The Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.

5.2 Third Party Dependencies

The Services may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.

5.3 Notification

We will try to provide you with reasonable notice, where possible, of any disruptions to your access to the Services.

6.1 Our Intellectual Property

We own all intellectual property rights in the Services. This includes how the Services look and function, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on the Services.

6.2 Feedback

We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.

6.3 Your Data - Usage Rights

We do not own any of Your Data, but when you enter or upload any of Your Data into the Services, you grant us the right to access, analyse, backup, copy, store, transmit, and otherwise use Your Data for the duration of your use of the Services (and for a reasonable period of time afterwards). We may use Your Data (or disclose it to third party service providers) to:

• •supply the Services to you (for example, to enable you to access and use the Services), and otherwise perform our obligations under these Terms;
• •diagnose problems with the Services;
• •improve, develop and protect the Services;
• •send you information we think may be of interest to you based on your marketing preferences;
• •perform analytics for the purpose of remedying bugs or issues with the Services; or
• •perform our obligations under these Terms (as reasonably required).

6.4 Data Transmission

You acknowledge and agree that because of the nature of the internet, the processing and transmission of Your Data by us may occur over various networks.

6.5 Your Responsibilities

You are responsible for (meaning we are not liable for):

• •the integrity of Your Data on your systems, networks or any device controlled by you; and
• •backing up Your Data.

6.6 Anonymised Data

When you use the Services, we may create anonymised statistical data from Your Data and usage of the Services (for example, through aggregation). Once anonymised, we own that data and may use it for our own purposes, such as to provide and improve the Services, to develop new services or product offerings, to identify business trends, and for other uses we communicate to you. This may include making such anonymised data publicly available, provided it is not compiled using a sample size small enough to make underlying portions of Your Data identifiable.

6.7 Data Provision

If you do not provide Your Data to us, it may impact your ability to receive the Services.

7.1 Confidentiality

While using the Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information. This also means making sure that any employees, contractors, professional advisors or agents of ours or yours only have access to confidential information on a 'need-to-know basis' (in other words, the disclosure is absolutely necessary), and that they also agree to not misuse or disclose such confidential information.

7.2 Legal Disclosure

However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.

7.3 Privacy Policy

We collect, hold and disclose and use any Personal Information you provide to us in accordance with our privacy policy, available on the Site, and applicable privacy laws.

7.4 Consent

You must only disclose Personal Information to us if you have the right to do so (such as having the individual's express consent).

7.5 Third Party Disclosure

We may need to disclose Personal Information to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors).

7.6 Reporting Requirements

Where we are required by law to report on our activities, you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.

8.1 Your Rights

In some jurisdictions, you may have guarantees, rights or other remedies provided by law (Consumer Law Rights), and these Terms do not restrict your Consumer Law Rights. We will only be bound by your Consumer Law Rights and the express wording of these Terms.

8.2 Refund Policy

Subject to your Consumer Law Rights, we do not provide a refund for a change of mind or change in circumstance.

8.3 Australian Consumer Law

If you accept these Terms in Australia, nothing in these Terms should be interpreted to exclude, restrict or modify the application of, or any rights or remedies you may have under, any part of the Australian Consumer Law (as set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth)).

9.1 Exclusions

To the maximum extent permitted by law, we will not be liable for, and you release us from liability for, any Liability caused or contributed to by, arising from or in connection with:

• •your computing environment (for example, your hardware, software, information technology and telecommunications services and systems); or
• •any use of the Services by a person or entity other than you.

9.2 Limitations

Regardless of whatever else is stated in these Terms, to the maximum extent permitted by law:

• •neither we or you are liable for any Consequential Loss;
• •a party's liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party, including any failure by the other party to mitigate its loss;
• •(where the Services are not ordinarily acquired for personal, domestic or household use or consumption) in respect of any failure by us to comply with relevant Consumer Law Rights, our Liability is limited (at our discretion) to supplying the Services again or paying the cost of having the Services supplied again; and
• •our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to AU$1,000.

10.1 Agreement Scope

To the extent that you are using or accessing the Services on an iOS device through a mobile application from the Apple App Store, you further acknowledge and agree to the terms of this clause. You acknowledge that these Terms are between you and us only, not with Apple Inc. (Apple), and Apple is not responsible for the Services and any content available on the Services.

10.2 Maintenance and Support

Apple has no obligation to furnish you with any maintenance and support services with respect to the Services.

10.3 Warranty

If our mobile application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the mobile application and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.

10.4 Claims

Apple is not responsible for addressing any claims by you or any third party relating to our mobile application or your use of our mobile application, including but not limited to:

• •product liability claims;
• •any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and
• •claims arising under consumer protection or similar legislation.

10.5 Intellectual Property

Apple is not responsible for the investigation, defence, settlement and discharge of any third-party claim that our mobile application infringes that third party's intellectual property rights.

10.6 Third-Party Terms

You agree to comply with any applicable third-party terms when using our mobile application.

10.7 Third-Party Beneficiary

Apple and Apple subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.

10.8 Representations

You hereby represent and warrant that:

• •you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and
• •you are not listed on any U.S. Government list of prohibited or restricted parties.

11.1 Suspension

We may suspend your access to the Services where we reasonably believe there has been any unauthorised access to or use of the Services (such as the unauthorised sharing of login details for the Services). If we suspend your access to the Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate these Terms and your access to the Services will end.

11.2 Termination by Us

We may terminate these Terms (meaning you will lose access to the Services) if:

• •you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;
• •you breach these Terms and that breach cannot be remedied;
• •we decide to discontinue the Services, in which case we will provide you with written notice; or
• •you experience an insolvency event (including but not limited to bankruptcy, receivership, voluntary administration, liquidation, or entering into creditors' schemes of arrangement).

11.3 Termination by You

You may terminate these Terms if:

• •we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or

You may also terminate these Terms at any time by notifying us through your Account or to our email for notices (as set out in clause 12.8), and termination will take effect immediately.

11.4 Data Retention

Upon termination of these Terms, we will retain Your Data (including copies) as required by law or regulatory requirements.

11.5 Effect of Termination

Termination of these Terms will not affect any other rights or liabilities that we or you may have.

12.1 Assignment

You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.

12.2 Disputes

Neither we or you may commence court proceedings relating to any dispute, controversy or claim arising from, or in connection with, these Terms (including any question regarding its existence, validity or termination) (Dispute) unless we and you first meet (in good faith) to resolve the Dispute. Nothing in this clause will operate to prevent us or you from seeking urgent injunctive or equitable relief from a court of appropriate jurisdiction.

If the Dispute is not resolved at that initial meeting:

• •where you are resident or incorporated in Australia, refer the matter to mediation, administered by the Australian Disputes Centre in accordance with Australian Disputes Centre Guidelines for Commercial Mediation; or
• •where you are not resident or incorporated in Australia, refer the matter to arbitration administered by the Australian Centre for International Commercial Arbitration, with such arbitration to be conducted in Brisbane, Queensland, before one arbitrator, in English and in accordance with the ACICA Arbitration Rules.

12.3 Events Outside Our Control

We will not be liable for any delay or failure to perform our obligations (including the Services), if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.

12.4 Governing Law

These Terms are governed by the laws of Queensland, and any matter relating to these Terms is to be determined exclusively by the courts in Queensland and any courts entitled to hear appeals from those courts.

12.5 Illegal Requests

We reserve the right to refuse any request for or in relation to the Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.

12.6 Marketing

You agree that we may send you electronic communications about our products and services. You may opt-out at any time by using the unsubscribe function in our electronic communications.

12.7 Nature of Legal Relationship

These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.

12.8 Notices

Any notice you send to us must be sent to the email set out at the beginning of these Terms. Any notice we send to you will be sent to the email address registered against your Account.

12.9 Professional Services Disclaimer

The Services do not constitute, and are not a substitute for, financial, legal or risk management advice.

Account

means an account accessible to the individual or entity who signed up to the Services.

Consequential Loss

includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise. However, your obligation to pay us any amounts for access to or use of the Services (including the Services) will not constitute "Consequential Loss".

Liability

means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or us or you or otherwise.

Personal Information

means any information or opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a tangible form or not.

Services

means the services we provide to you, as detailed at the beginning of these Terms.

Your Data

means the information, materials, logos, documents, qualifications and other intellectual property or data supplied by you when receiving the Services or stored by or generated by your use of the Services, including any Personal Information collected, used, disclosed, stored or otherwise handled in connection with the Services. Your Data does not include any data or information that is generated as a result of your usage of the Services that is a back-end or internal output or an output otherwise generally not available to users of the Services.