Legal Page

Disclaimer and legal notices
Access to and use of this site is provided by Veritas Lending on the following conditions and according to any other directions or rules of use on this site.

If you access this site (other than to read these Terms for the first time), you agree to these Terms. If you do not agree to these Terms, you should not review information or obtain goods or products from this site.

We reserve the right to change the Terms at any time by posting changes on-line. You are responsible for informing yourself of any changes by regularly reviewing these pages. If you access the site after changes are posted, you agree to all changes (including those which you are then unaware have been posted).

Disclaimers, liability limitation and indemnity

General disclaimers
Use of this site is at your risk. None of us, our affiliates or any of our or their respective directors, officers, employees, agents, contributors, third party content providers or licensors makes any express or implied representation or warranty about this site, its use, its content, or any products or services (including our products and services) referred to on this site. None of us shall be liable, in contract, in tort (including negligence), or otherwise, for any direct, indirect, special or consequential loss, damages or reliance in connection with this site, its use, its content or any products or services (including our products or services) referred to on this site. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:

• your reliance on the completeness, accuracy, suitability or currency of the site or its content (including third party material and advertisements on this site), irrespective of any verifying measures taken by us. This site is designed for general interest only. It is not advice and you should not rely on it.
• failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records.
• accessing any sites or servers maintained by other organisations through links on this site. Links are provided for the convenience of our site users only and without responsibility for the content or operation of those sites. Unless otherwise stated, linked sites and their products and services are not endorsed by us and your linking to any such site is at your own risk.
• the provision of credit card or other financial information, the failure to complete (or delay in completing) any transaction, or other loss or damage arising from any e-commerce transacted or attempted to be transacted on this site
• defamatory, threatening, offensive or unlawful conduct of third parties or our publication of any materials relating to or constituting such conduct.
• a breach by us of our Privacy Policy (other than a wilful breach).

Opinions
Opinions expressed on this site are those of the relevant contributors. We do not necessarily share those opinions.

No advice given
If you require specific advice for your individual circumstances, consult an appropriate expert directly. Do not rely on the general material on this site. We will endeavour to assist you if you specifically inquire about matters in which we have expertise, but cannot accept any responsibility for doing this.

Exclusion of implied warranties
To the maximum extent permitted by law, we exclude all warranties by us that otherwise would be implied in any transactions for the supply by us of products or services offered on this site (including warranties of satisfactory quality, merchantability and fitness for purpose).

Continued site availability and access
We do not warrant that we will continue to make this site available generally or at all and reserve the right at any time to impose or increase fees for your future access to any material appearing on this site. We reserve the right at any time to alter the site in such a way as to change the equipment needed by you to access or use the site or any part of it.

Indemnity
You indemnify us, our affiliates and our respective employees, agents, contributors, third party content providers and licensors from and against all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred or suffered by you or by us as a direct or indirect consequence of:

• your accessing, using or transacting on this site or your attempts to do so (except for our costs of making this site available to you that you have not agreed to meet); and
• any breach by you or your agents of the Terms.

Rights we cannot exclude, limit or disclaim
This disclaimer, liability limitation and indemnity does not exclude any rights which by law may not be excluded.

Copyright and intellectual property notices

International copyright protection
The material on this web site is protected by copyright under the laws of Australia and, through international treaties, other countries.

We own or control, and reserve, all rights
Unless otherwise indicated, all rights (including copyright) in the content and compilation of these web pages and on-line images (including text, graphics, logos, button icons, video images, audio clips and software) are owned or controlled for these purposes, and are reserved, by us.

Personal, non-commercial use
You are authorised to:

• download and view content; and
• use the software included in this site in doing this,

for your own personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

If you are an internet service or access provider, you are authorised to grant access to this site, intact, to your subscribers.

You must not, without our prior written permission, exploit any of our site materials for commercial purposes.

Creative commons licence
If a web page indicates that the content of that page is available for a dealing under a creative commons licence, you are also authorised to deal with the relevant content under the terms of that licence.

Prohibited conduct
Except as expressly authorised under these Terms you may not, without our prior written permission and the permission of any other relevant rights owners, copy, mirror, broadcast, reproduce, frame, republish, download, store (in any medium), up-load to a third party, transmit, post, broadcast, distribute, show or play in public, adapt or change in any way the content of, or create a derivative work from, these web pages for any purpose.

This prohibition does not extend to:

• materials on this site which are expressed to be freely available for re-use or replication, subject to any conditions we specify; or
• any fair dealing for the purposes of private study, research, criticism or review.

We can use your feedback
When you send us any feedback or suggestions about this site or our business, you agree that we can use and adapt any ideas, concepts, techniques, words or images contained in the feedback or suggestions for any purpose and without restriction or compensation.

Adding information
We may add information to any message originated via this site.

User conduct

Lawful use only
You must use this site only for lawful purposes.

General prohibitions
You must not up-load, post, transmit or otherwise make available through this site any material which:

• violates or infringes the rights of others (including their privacy and publicity rights).
• is unlawful, threatening, abusive, defamatory, invasive of privacy, vulgar, obscene, profane or which may harass or cause distress or inconvenience to, or incite hatred of, any person.
• encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law.
• restricts or inhibits any other user from using or enjoying this site.
• affects the functionality or operation of this site or its servers or the functionality or operation of any users' computer systems (for example, by transmitting a computer virus or other harmful component, whether or not knowingly).
• breaches any standards, content requirements or codes promulgated by any relevant authority, including authorities which require us to take remedial action under any applicable industry code.

No SPAM
Electronic addresses posted on this site are published for professional communications only and do not constitute an invitation to send unsolicited commercial emails, including (but not limited to) emails offering to supply goods or services. Except as authorised by these Terms, you must not harvest email addresses from this site or use or publish email addresses for any purpose without our written consent.

No promotional materials
You must not, without our prior written consent, up-load, post, transmit or otherwise make available through this site any material which contains promotional material, advertising or any solicitation (whether commercial or otherwise) for products of services.

No infringement of others' proprietary rights
You must not, without the express permission of the relevant rights owner, up-load, post, transmit or otherwise make available through this site any material protected by copyright, trade mark or other proprietary rights.