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Terms & Conditions
and Privacy
Terms & Conditions
Privacy
Terms
and Conditions
InterestRate.com.au Pty Ltd
ABN: 28 095 074 089
(“InterestRate.com.au”)
Last Amended: [20-2-2004]
1. The function and purpose of this web site
1.1 InterestRate.com.au, amongst
other things:
(a)
publishes information provided by third parties ("Lenders") about Lender's products
and services (“Lenders’ Products & Services”);
(b) upon your request, transmits
to relevant Lender(s) your enquiry in relation to the Lender's
Services; and
(c)
provides information on a range of home loan and credit
card options as well as tips about buying and selling and
renovating homes (collectively referred to as the “Services”)
1.2 InterestRate.com.au and/or
any affiliate web site that links to or incorporates the
functionality of the InterestRate.com.au web site may receive
payment from a Lender or, in the case of an affiliate, from
InterestRate.com.au, based on loans made to you by Lenders as
a result of your use of the Services.
2. Acceptance of terms and conditions
2.1
By using any of the Services you acknowledge that you have
read and agree to be bound by these terms and conditions
(and the privacy policy contained on this web site) as
amended from time to time (“Terms and
Conditions”).
2.2 InterestRate.com.au may, in its absolute discretion,
modify or amend these Terms and Conditions from time to time
and such modifications or amendments will be binding upon you
once displayed on this web site. You agree to be bound by
these Terms and Conditions as so amended and your continued
use of this web site and/or the Services will constitute your
agreement to be bound by these Terms and Conditions as
amended.
3. Warranties provided by you
3.1 You warrant and acknowledge that:
(a) you have the legal capacity to enter into a legally
binding contract;
(b) the information you provide on this web site and/or to
InterestRate.com.au is:
1. correct, complete and current;
2. not misleading or deceptive or likely to mislead or
deceive; and
3. free from any programming bugs or computer viruses, faults
or errors;
(c) you will comply with these Terms and Conditions at all
times;
(d) you will not use this web site or the Services for any
illegal or fraudulent purpose;
(e) you will not impede the use of this web site by any
person;
(f) you will not act in a way that, in the sole and absolute
opinion of InterestRate.com.au, is likely to be detrimental to
the interests of InterestRate.com.au; and
(g) you will maintain the secrecy and confidentiality of all
username and password information that may be required by you
to access the Services and you will immediately notify
InterestRate.com.au if your password has been lost, stolen or
compromised in any way; and you will not impersonate any other
person or allow any other person to impersonate you or make
use of your username or password.
3.2 To enable
InterestRate.com.au to provide the Services to you, you hereby
grant InterestRate.com.au a non exclusive, royalty free,
perpetual irrevocable licence to use any material you post,
upload or otherwise transmit on or to this web site.
4. Information provided by
third parties
4.1 This web site may contain
links to third party web sites and may contain information
provided by third parties.
4.2 You acknowledge and agree that insofar as goods/services
(and/or information about goods/services, including, but
not limited to Lender’s Products & Services and the information
about Lenders’ Products & Services) are offered on or through
this web site by third parties (collectively referred to as
the “Third Parties”):
(a) the information published on
this web site about the goods or services of Third Parties are
provided by those Third Parties. InterestRate.com.au is not
responsible for the information published by the Third Parties
and InterestRate.com.au simply acts as a medium for the
publication of such information;
(b) InterestRate.com.au does not endorse or recommend any
goods or services provided by the Third Parties;
(c) InterestRate.com.au does not act as an agent or broker of
the Third Parties nor does InterestRate.com.au act as your
agent or broker in relation to goods or services provided by
the Third Parties;
(d) InterestRate.com.au does not arrange contracts between you
and the Third Parties;
(e) InterestRate.com.au has no right or power to bind either
you or the Third Parties in relation to a Third Party’s
goods/services;
(f) any agreement entered into with a Third Party as a result
of your use of this web site is an agreement between the Third
Party and you;
(g) InterestRate.com.au does not provide advice to you in
relation to the goods/services offered by the Third Parties;
(h) InterestRate.com.au does not provide any warranties in
relation to the goods/services provided by the Third Parties
and will not be liable to you or any third party for any
failure, wrong or default of a Third Party;
(i) InterestRate.com.au will not be responsible for the
resolution of any dispute in relation to any agreement formed
between you and a Third Party; and
(j) InterestRate.com.au takes no responsibility for the
content of any Third Party web site that links to or from this
web site.
5. Limitation of Liability
5.1 You acknowledge and agree
that:
(a) the Services do not
constitute credit, financial or investment advice and that
InterestRate.com.au does not act as a credit, financial or
investment or other professional adviser;
(b) the Services may not be appropriate, correct or sufficient
for your particular situation;
(c) the Services are provided as general information only and
are not provided as professional or expert advice, and are not
a substitute for such advice, and accordingly, you should
obtain independent professional advice to address your
particular situation;
(d) InterestRate.com.au does not warrant or guarantee that
this web site will be error free or that you will have
continuous uninterrupted access to this web site;
(e) InterestRate.com.au may at any time, modify or discontinue
all or part of the Services.
5.2 To the full extent permitted
by law, InterestRate.com.au, its directors, officers,
employees, agents, contractors and related bodies corporate,
will be under no liability to you or to any person in respect
of any costs, expenses, liabilities, claims, demands,
proceedings, losses or damage (including consequential and
special loss or damage), which may be suffered or incurred or
which may result or arise directly or indirectly from or in
connection with:
(a) your breach of these Terms and Conditions;
(b) any use of this web site or reliance on the information
contained on this web site for whatever reason;
(c) any transaction entered into through or via this web site;
(d) the provision or non-provision of the Services or any
other products or services provided (or to be provided) by
InterestRate.com.au to you or to any other party;
whether or not such costs, expenses, liabilities, claims,
demands, proceedings, losses or damage was as a result of
error or misrepresentation, negligent act or omission, or any
other cause whatsoever.
5.3 If any law prohibits the exclusion of any implied term or
liability referred to in clauses 5.1 and 5.2,
InterestRate.com.au limits its liability to the extent
permitted by the law and at its option to one or more of the
following:
(a) if the breach relates to
goods provided by InterestRate.com.au:
(i) the replacement of the goods or the supply of equivalent
goods;
(ii) the payment of the cost of replacing the goods or of
acquiring equivalent goods; or
(iii) the repair of the goods;
(b) if the breach relates to services supplied by
InterestRate.com.au:
(i) the supplying of the services again; or
(ii) the payment of the cost of having the services supplied
again;
(c) if the breach relates to the supply of information by
InterestRate.com.au, to the re-supply of such information.
6. Intellectual Property
Unless otherwise provided, all intellectual property
(including but not limited copyright and trade marks) in the
brands, graphics, names, information, systems, processes,
concepts and all other material on this web site are owned by
or licensed to InterestRate.com.au. Except as permitted by the
Copyright Act 1968 (Cth), no part of this web site may be
copied, altered, modified or reproduced by any process without
the specific prior written permission of InterestRate.com.au.
7. Governing Law
These Terms and Conditions are governed by and construed in
accordance with the laws of the State of Victoria, Australia,
and you irrevocably submit to the exclusive jurisdiction of
the courts in the State of Victoria, Australia.
8. Entire Agreement
These Terms and Conditions set out the entire agreement and
understanding between you and InterestRate.com.au and
supersedes all prior agreements, understandings,
representations and warranties, whether express or implied.
9. Provisions Severable
If any provision of these Terms and Conditions is found to be
invalid, illegal or unenforceable, the remaining terms and
conditions shall continue in full force and effect and such
invalid, illegal or unenforceable provision shall be deemed
not to be a part of these Terms and Conditions.
Privacy
Policy
InterestRate.com.au Pty Ltd
ABN: 28 095 074 089
(“InterestRate.com.au”)
Last Amended: [20-2-2004]
By using the InterestRate.com.au web site (“this web site”),
you accept the practices described in this privacy policy.
InterestRate.com.au reserves the right to modify this privacy
policy from time to time and such modifications will become
effective from the date such modifications are displayed on
this web site.
1. What information is stored by InterestRate.com.au?
InterestRate.com.au stores information that you knowingly
provide to InterestRate.com.au or a third party whilst using
this web site. As you use this web site you will be requested
to provide information necessary for InterestRate.com.au or a
third party to deliver the goods or services you have
requested. Such information will be stored in a database
controlled by InterestRate.com.au.
Certain statistical information will also be recorded by
InterestRate.com.au when you visit this web site, such as:
• a record of your IP address;
• the date and time of your visit to this web site;
• the pages accessed and documents downloaded;
• the referring web page; and
• if you contact us, the type of browser and operating system
that you use.
2. How is your information used?
This web site allows you to access goods and services from
InterestRate.com.au or third parties. In order to obtain these
goods or services, you will need to submit on this web site
certain information to InterestRate.com.au or those third
providers. No information will be provided to a third party
without your consent.
Although InterestRate.com.au seeks to deal with reputable
third parties, InterestRate.com.au cannot control, and will
not be liable, for any use of your personal information by any
third party to whom your information is sent with your
consent.
Any personally identifiable information that you submit on
this web site will not be sold, rented or otherwise traded by
us to any third party.
However, personal information provided by you for the purpose
of obtaining any goods or services will be tracked, edited
and/or disclosed to:
• provide you with the goods or services that you have
requested;
• comply with the law;
• lessen a serious threat to a person’s health or safety
In order to improve the operation of this web site,
InterestRate.com.au may also aggregate statistical information
referred to above about a user’s use of this web site. Such
statistical information may also be disclosed to third parties,
however, no personally identifiable information will be disclosed
except to comply with the law.
InterestRate.com.au does not assign alpha or numeric
identifiers to users of this web site.
3. Third party web sites linked to this web site
A third party web site may be linked to this web site from
time to time. Such third party web sites are not owned or
controlled by InterestRate.com.au and therefore,
InterestRate.com.au will not responsible for the conduct of
the third parties operating such web sites.
4. Use of your e-mail address
InterestRate.com.au may use your e-mail address to:
• send you follow ups on goods or services you have inquired
about; and
• keep you informed of changes to this web site and the goods
and services offered through this web site.
Prior to sending you any e-mail, other than the e-mails
described above, InterestRate.com.au will first obtain your
consent to do so. You therefore have the option of not
receiving any further e-mails by notifying InterestRate.com.au
of your choice.
5. Data security
Any of your personal information held by InterestRate.com.au
is held secure in a manner designed to protect information
from internal and external access by anyone other than
specifically authorised staff of InterestRate.com.au.
Whilst reasonable steps have and will be taken to ensure the
security of data submitted on this web site,
InterestRate.com.au does not warrant that this web site and
the systems which operate it will be without error or
interruption, or will be free from unauthorised or fraudulent
access.
6. Accessing and amending your personal information
If your personal information is stored by InterestRate.com.au,
you may:
• view your personal information; and/or
• amend or update your personal information
by contacting [insert e-mail address or phone number].
In limited circumstances, InterestRate.com.au may refuse your
request to access, in which case, you will be given a reason
for that refusal. InterestRate.com.au is not required to
provide access where:
• denying access is required or authorised by law; or
• providing access would be unlawful.
7. Wishlist Promotion
Interestrate.com.au has
banded together with one of Australia’s most popular gift
companies, Wishlist.com.au to provide you with rewards to the
value of $420* when a loan is organised through
Interestrate.com.au using St George Bank and Westpac Bank
Residential and Investment loan products. Minimum loan amount
$220,000.
*Conditions.
-
Minimum drawn down
loan amount of $220,000 or minimum $220,000 increase for
existing St George Bank / Westpac Bank customers.
-
One or more gifts to
a maximum value of $420. If choosing multiple gifts, items
can only be delivered to one delivery address
-
Gift(s) are only
available via interestrate.com.au while accessing
residential mortgage products of St George bank and Westpac
Bank.
-
Gift(s) must be
ordered and delivered via Interestrate.com.au within 2
months of loan settlement.
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Gift(s) subject to
availability.
-
This information is
current as at June 2006 and subject to change without
notice.
-
This promotion is
operated by interestrate.com.au. Neither St George Bank or
Westpac Bank has underwritten the promotion nor accepted any
liability in relation thereto.
**Conditions.
- Any offer of finance is subject to
approval by the lender and normal lending terms and
conditions will apply.
Some
Loan Features and Services include**:
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Borrow up to 85% of
valuation without mortgage insurance
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Discounts of up to
0.7% of variable rate home and investments loans
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Nil establishment
fees
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Access to senior
loan mangers from the banks not mortgage broker
8. Openness and Privacy Queries
This privacy policy shall be made available to anyone upon
request. Further information is available by contacting
InterestRate.com.au at the address or telephone number below.
InterestRate.com.au Pty Ltd
Ph: 1300 850 185
Information@InterestRate.com.au
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