Terms and Conditions

PLEASE read the following terms and conditions carefully before using this web site or any of our other web sites.

You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our web sites, including any web sites owned, operated or sponsored by any of our subsidiaries or affiliates but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other parts of all of our web sites.

1. Liability
Under no circumstances shall we be liable for any direct or indirect, special, incidental or consequential damages that may arise from your use of, or inability to use, this web site. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. in such jurisdictions, our liability is limited to the greatest extent permitted by law.

This web site content is provided “as is” and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

2. We Do Not Have Responsibility for Links to Third Party Content
Links to third party web sites are provided for your convenience and information only. the content in any linked web sites is not under our control and we are not responsible for it.

We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorise or sponsor that web site, nor that we are affiliated with the third party web site’s owners or sponsors.

3. Privacy/Treatment of Information or Data Transmitted to Us
Personal information transmitted to us will be treated in accordance with our Privacy Policy.

We collect information through technology to enhance our ability to serve you. For example, when you arrive at one of our websites, we may collect your respective IP address. This IP address is associated with the portal which you used to log-in to the Internet, such as your ISP (Internet service provider), company, association or university. It should be noted, however, that your IP address will generally not identify you personally. From time to time, we use these IP addresses to study the frequency of visits to various sections of our website.

4. Proprietary Rights & Restricted Use
This web site’s content is copyrighted and protected by copyright laws and treaty provisions. In addition, this web site’s content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorised to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without the prior written permission.

5. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

6. All Products, Programs and Services May Not be Available in Your Area
Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk.

7. General Advice Notice
This website contains general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice your should assess whether it is appropriate for you. Your should also consider the relevant Product Disclosure Statement (PDS) before making any decision about a product detailed on this website.

The information is intended for Australian residents only and does not constitute an offer to non-residents.