Website Terms and Conditions

  1. General terms and conditions for all users
    1. The website (this “Website“) is owned by Credit Sense Australia Pty Ltd (“Credit Sense“). It is operated by Credit Sense.
    2. Your access to and use of this Website is subject to these terms and conditions, Credit Sense Privacy Policy (linked to this Website), notices, disclaimers and any other terms and conditions or other statements contained on this Website, and, if you use any of the services identified on this Website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as “Terms of Use“). By accessing, viewing or otherwise using this Website, you agree to be subject to these Terms of Use.
    3. Credit Sense may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to or use by you of this Website will constitute an acceptance of those modifications.
    4. If you provide any personal information to us about another person (other than yourself), you warrant that you have the authority of that person to share their personal information with us and to authorise us to hold, use and disclose their information in accordance with our Privacy Policy.
  2. Products and services
    1. Credit Sense currently offer products and services named and/or linked to on this Website. Users should consider their own financial and legal advice in deciding whether to acquire or use the product or service.
  3. Important disclaimers
    1. All information contained on this Website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and may not be complete or accurate for your purposes. Credit Sense makes no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement or financial advice on any matter and should not be relied upon as such.
    2. To the maximum extent permissible by law, Credit Sense and its directors, employees, associates and any other party involved in creating, producing and delivering the Website and Credit Sense’s content partners exclude all liability (except where precluded by law) for any loss or damage caused (whether directly or indirectly, whether incidental or consequential) by or as a result of any person relying on any information on this Website, accessing this Website, use of the this Website, or being unable to access this Website.Everything on this Website is provided to you “AS IS” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties or merchantability, fitness for a particular purpose or non-infringement.While Credit Sense uses its reasonable efforts to ensure that any materials or software downloaded from this Website do not include viruses or defects, we make no warranties or representations that this Website are free from defects or viruses. Credit Sense assumes no responsibility and shall not be liable for any damage caused by any viruses that may infect your computer equipment through your access to, use or, or browsing on this Website or your downloading of any software or materials accessed from the Website.While we take all reasonable steps to ensure a fast and reliable service, we make no representations or warranties that the Website will be uninterrupted or error free. We assume no responsibility for the security of the Website or for any disruption of this Website, howsoever caused, directly or indirectly, loss or corruption of any material in transit, or loss or corruption of material when downloaded onto any computer systems.
    3. Any transaction with any party other than Credit Sense referred to or allowed on this Website does not represent or give rise to any warranty, representation or other liability of, Credit Sense with respect to that transaction or the relevant product or service, and are subject to risks, including defects and possible delays in delivery or loss of income and capital invested. Other than where the terms of the particular transaction expressly state otherwise, no member of Credit Sense stands behind any such transaction or guarantees the performance of any other person referred to on this Website.
    4. In preparing the information contained on this Website, Credit Sense has not taken into account your objectives, financial situation or needs. Before undertaking any transaction on the basis of the information contained on this Website, you should consider (with or without the assistance of an adviser) whether the information in or processes of this Website are appropriate to you in light of your particular objectives, financial situation and needs. You should obtain the terms and conditions from the relevant product supplier (including Product Disclosure Statement if applicable) relating to a product referred to on this Website before making any decision about whether to acquire the product.
  4. Website Links
    1. Links to other websites are provided for convenience only and do not represent any endorsement by Credit Sense of the products or services offered by the website owner Should you leave this Website via a link contained within a Credit Sense Website, and view content that is not provided by Credit Sense you do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by Credit Sense. Credit Sense is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise. Credit Sense does not make or give any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party.
  5. Proprietary Rights
    1. The contents of this Website are subject to copyright under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. Copyright in the information contained on this Website is owned by Credit Sense. All rights are reserved. You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. Except as permitted under applicable laws, no part of this site or publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process without the specific prior written consent of Credit Sense.
    2. You acknowledge that Credit Sense is the owner of all of the property together with the rights and entitlement to the Website and including, the trademarks which are registered or under application. Some of those trademarks are used in this Website. You are not permitted to use Credit Sense’s trademarks without its prior written consent, unless such use is otherwise permitted by this Website or by law.
    3. You acknowledge that Credit Sense is entitled to disclose all information and material as provided by you if compelled or otherwise required to do so by law, at the request of a third-party, or if Credit Sense in its absolute discretion believes that the disclosure is required in order to, comply with law, requests from law enforcement or any legal process, or to protect or defend Credit Sense’s rights or property.
  6. Cookies
    1. Pursuant to the Credit Sense Privacy Policy linked on this Website, you agree that Cookies may be used by us to collect information including IP addresses about people from our Website. There are many aspects of the Website which can be viewed without providing personal information, however, for access to future Credit Sense customer support features you are required to submit personally identifiable information. Cookies allow us determine who has seen particular pages on the Website and how frequently. This can help us to identify your preferences and allow us to recommend content we believe you’d be most interested in or would be most relevant to you.
    2. For each visitor to reach the Website, we expressly collect the following non-personally identifiable information, including but not limited to browser type, version and language, operating system, pages viewed while browsing the Website, page access times and referring website address. This collected information is used solely internally for the purpose of gauging visitor traffic, trends and delivering personalised content to you while you are at this Website.
    3. From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will use data collected from the time of the policy change for these new purposes only.
  7. Governing Law
    1. You agree that the Australian Law will govern these Website terms and the Website and products and services provided via the Website. Any dispute arising out of the Website will be subject to the exclusive jurisdiction and venue of the federal and state courts within Australia.