Website Terms and Conditions

Introduction

These terms and conditions apply to this website, which is operated on behalf of State Custodians Pty Ltd ACN 118 337 367 and its related bodies corporate (‘we’, ‘us’ and ‘our’). By using this website, you accept these terms and conditions. If you disagree, you must not use this website. We may change these terms and conditions at any time without notice

General information

This website is intended for use within Australia. All offers on this website are only valid for Australian citizens or residents of Australia.

The information on this website 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 this website (including any information which you may obtain by using any online tool), we have not taken into consideration your objectives, financial situation or needs. 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. Fees and charges may apply. You should carefully consider whether the information on this website 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.

Licence to use the website

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 in any manner from a breach by you of these terms and conditions, including any improper use of this website by you or anyone who gains authorised or unauthorised access from you.

You must not use or duplicate this website, or material on this website for any other purpose without our express written consent.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; 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 this website to copy, store, host, transmit, send, use, publish or distribute any material which 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 this website 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 in any manner from a breach by you of these terms and conditions, including any improper use of this website by you or anyone who gains authorised or unauthorised access from you.

No warranties

We use reasonable efforts to maintain this website. However, this website is provided ‘as is’. We do not (1) guarantee the security of this website, that this website will be free from viruses, or that access to this website will be uninterrupted; (2) give any warranties or representations on the quality, accuracy or completeness of the information on this website; (3) accept any responsibility arising in any way including by reason of negligence for, errors in, or omissions from, the information on this website; 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 this website or being unable to access this website. All warranties and conditions (whether express or implied) are excluded to the extent permitted by law.

Use of the content on this website is at the user's sole risk.

Third party websites

This website 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. We are also not responsible for content on third party websites linked to this website. Although we endeavour to ensure that their information about us is correct we accept no responsibility for the information about us that they contain.

Third party websites will each have their own privacy policy. Please ensure that you have read and fully understand their privacy policy prior to using their site.

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 this 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 this website and these terms and conditions are governed and interpreted in accordance with the laws of New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts of New South Wales, Australia for determining any dispute concerning these terms and conditions.

Privacy and Cookies

We are committed to protecting your privacy. Please see our Privacy Policy which explains how your personal information will be treated, including when you access and interact with this website. You will also find information regarding cookies in our Privacy Policy. Please also see below under ‘Data collection by conversion tracking’ that relates to cookies.

Our Privacy Policy may change from time to time (and so may these terms and conditions (as explained above)).

Data collection by conversion tracking

This site may use a cookie to measure advertising performance if we have opted in to conversion tracking on Google and its AdSense partner’s websites. The conversion tracking cookie is set when a user clicks on an ad delivered by Google where we have opted in to tracking. 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.

Further information

We have taken all reasonable care in compiling the content of this website 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 02 4950 3300. All product related information is subject to change at any time without notice.

These terms and conditions were last updated on 17 December 2015.