Terms & Conditions


1              Use of this Site

1.1          We have produced this Site to provide information within Australia only.

2              Copyright and Trade marks

2.1          Copyright in all text, graphics, images and any other materials on this Site (Content) and the arrangement of this Content belongs to us.  The trade marks on this Site are our registered or unregistered trade marks.  The names of other companies and products referred to on this Site may be the trade marks of their respective owners.  

3              Your Rights and Obligations

3.1          We grant you the right to view the Content and download and/or print any Content that we have expressly permitted may be printed or downloaded on your personal computer for your personal, non-commercial use.  You agree you will not:

(a)           alter or remove any copyright, trade mark or other proprietary notice of ours or of any other company appearing on this Site; or

(b)          modify or edit the Content or publish or sell the Content including but not limited to making the Content available on any other website; or

(c)           to the maximum extent permitted by law, reverse engineer, translate, adapt or modify any software used in connection with this Site; or

(d)          create any links from any other website to this Site without our express prior written permission; or

(e)          use any material or information on the Site for any commercial purpose.

4              No Professional Advice

4.1          The information on this Site is to provide general information and guidance in respect of home financing, savings, credit cards and investment.  You should not use the information on this Site to replace advice by a qualified financial advisor. 

4.2          We strongly recommend that all individuals consult a professional before following any information provided on this Site.  You should not rely on the Site as your exclusive or primary source of information.  You must exercise independent skill and care in the choice of any financial products or services that may be referred to on this Site.

5              Home Loan Experts

5.1          We have taken all reasonable care to ensure that the home loan experts that you can contact via this Site have the qualifications that are set out in this Site.

5.2          Our home loan experts are available to answer online queries between the hours of 7:00 am to 9:00 pm from Monday to Friday (excluding public holidays in that State). We will endeavour for the home loan expert to provide a response to your online query within four hours of submitting your email query to the home loan expert. In the event, you nominate via the Site that you want to speak to a home loan adviser then we will pass your request on to a home loan advisor who has the accreditations identified on the Site. We do not make any representation or warranty as to the period of time it will take for the home loan advisor to contact you via telephone.

5.3          We make no representations or warranties in respect of the advice provided or in respect of any financial products or services recommended to you by the home loan experts or advisors accredited to us. We exclude liability for any claims, loss, demands or damages of any kind including, without limitation direct, indirect, incidental or consequential loss or damages, whether arising from loss of profits, loss of revenue, or otherwise arising out of your reliance on the advice or recommendation of these home loan experts or advisors whether or not the possibility of such loss has been notified to us.

5.4          If there is a home loan expert or business to which do not want to be referred, you must inform us of such a preference when you submit your query.   

6              Public forums

6.1          As a registered user, you may access, create, establish or contribute to any public forums or blogs on the Site. If you contribute to a public forum or blog on the Site your question will be stored and displayed on the Site unless you notify us that you want your question to remain private. No email addresses will be shown in the public forums or blogs.

6.2          We retain the discretion whether to publish, edit, delete, block, reject, take down or remove any part or all of any content you post to any public forums or blogs on the Site (Forum Content).

6.3          You retain all intellectual property rights in your Forum Content.  You grant us an irrevocable, royalty free, perpetual, worldwide licence to use, modify, transmit, communicate to the public, reproduce and sublicense your Forum Content in any form, including on the Site and in any print or electronic publication.

6.4          You grant us consent to do or omit to do any and all acts in relation to your Forum Content that would otherwise infringe any past, existing or future moral rights in the Forum Content.  You waive any rights you may have to take action against us in relation to any act or omission which would otherwise infringe any past, existing or future moral rights in your Forum Content.

6.5          You warrant that the Forum Content is your original work and you own all rights in relation to the Forum Content.  You indemnify us against any action, claim or proceedings alleging that the Forum Content infringes the rights of any person, and any cost, charge, expense, payment, loss, damage or liability suffered or incurred by us in connection with the foregoing.

6.6          You must not include in your Forum Content any links to any third party websites.

6.7          To the extent permitted by law, we will be under no liability to you in respect of any loss or damage which you may suffer or incur or which may arise directly or indirectly in connection with your supply of Forum Content to our public forums and blogs, or the subsequent use of your Forum Content by us or any third parties.

6.8          We reserve our right to refuse to post or transmit or to remove or alter any Forum Content (in whole or in part), the transmission or the posting of which would in our sole discretion violate any right of any person or constitute an offence or a breach of any policy, notice or other requirement of ours.

6.9          We have no obligation whatsoever to monitor any Forum Content or to edit, delete or refuse to post or transmit any Forum Content.

6.10       We will not be responsible or liable for the content of any material (including but not limited to the Forum Content posted to this Site) by us or by third parties which is defamatory, obscene, inaccurate, misleading, unlawful, pornographic or which in any way infringes a third party rights, including but not limited to intellectual property rights.

7              Accuracy of Information

7.1          We are providing this Site and its contents on an “as is” basis.  While we endeavour to keep the information on the Site as accurate, complete and up to date as possible, we do not represent or make any warranty in respect of the accuracy, reliability, completeness, currency or continuous supply of any of the Content contained on or distributed through, or linked, downloaded or accessed from this Site (Service) or the results obtained from using the Service.

7.2          We do not warrant that the Site will be free from errors or that the Site and the related server are free from computer viruses or other harmful applications.

8              Third Party Sites

We may link this Site to other websites which are not under our control, or maintained by us. We are providing these links to you only as a matter of convenience and, to the maximum extent permitted by law, we will not be responsible for the content of such websites.  We do not endorse or recommend any products, materials or services displayed or offered on any websites which may be linked to this Site.

9              Privacy

Please see our privacy policy here

10           Disclaimer of Warranties

10.1       We do not represent or warrant the quality or reliability of any products, services, information about any products or services, or other materials displayed, purchased or obtained by you as a result of you responding to any advertisement or any other Content in or in connection with the Service and/or this Site. 

10.2       Any reliance you place on any Content will be at your own risk and it is solely your responsibility to ensure that the Content and any goods or services purchased as a result of this Site meet your requirements.

10.3       We reserve the right at our sole discretion to make any correction, improvements to or to withdraw or correct any error or omission in any portion of the Content and/or Service and/or Site and any products or services referred to therein without notice.

11           Limitation of Liability

11.1       We do not warrant or represent that the information contained on this Site is suitable for your requirements or that it is free from errors, viruses or interference. Any express or implied warranties in relation to the information contained in this Site are excluded, to the extent permitted by law. 

11.2       We exclude to the maximum extent permitted by law, any liability which may arise as a result of your use of the Content on this Site. Where liability cannot be excluded, any liability incurred by us is, to the extent permitted by law, limited as provided and as per our option under section 68A of the Trade Practices Act 1974 (Cth). We will not be liable for any economic loss whether direct, indirect, incidental, special or consequential loss arising out of any action taken by you in reliance of any information or service provided on this Site.

12           Termination 

We may terminate your access to all or any part of this Site and any related service(s) immediately if you commit a breach of any of these Terms or otherwise upon reasonable notice.

13           Modification to Terms 

We may change these Terms or policies relating to this Site at any time and will notify you by posting an updated version of these Terms on this Site. You are responsible for regularly reviewing these Terms. Continued use of this Site after any such changes shall constitute your consent to such changes.

14           General

14.1       These Terms between you and us will be governed by the laws of New South Wales.  You agree that any dispute or legal proceeding in relation to this Site shall be brought exclusively in the courts of New South Wales.

14.2       If any provision or part of a provision of these Terms is held by a court of competent jurisdiction to be contrary to law, all other provisions shall remain in full force and effect.

14.3       These Terms comprise the entire agreement between you and us.

© Copyright 2010, intouch Home Loans Pty Ltd                All rights reserved.