Acknowledgment & Acceptance
Financial Network, its subsidiaries and affiliates (“Financial Network Pty Ltd”) require that your use of Financial Network Pty Ltd’s website (the “Website”), services and tools (together with the Website, the “Services”) complies with these Terms and Conditions.
The website allows you to view general information about Financial Network Pty Ltd and its product offerings / services and to apply for additional products or services via our lending partners.
Not all products and services are offered by Financial Network Pty Ltd, or all features of such products and services, are available through these Services.
In these Terms & Conditions:
- references to “you”, “your”, and “yours” are references to the person accessing the Services; and
- references to “we”, “us” and “our” are references to Financial Network Pty Ltd.
Acknowledgment & Acceptance
Please read this document carefully as it sets out the terms and conditions under which you access and use the Services. Your access and use of the Services signifies your acknowledgment and acceptance of these Terms and Conditions, the Privacy Policy and any other policy that is found at the Website.
These Terms and Conditions, the Privacy Policy and any other policies on the Website are subject to change at any time without notice other than any changes which impose fees and charges for use of the Services in which case you will be provided with notice no less than 20 days prior to such change. Your continued access and use of the Services following any such changes signifies and confirms your acceptance of any such changes.
These Terms and Conditions do not affect the terms and conditions that apply to the products and services offered by Financial Network Pty Ltd and it’s partners. The terms for the products which relate to your Account are provided to, and entered into by, you at the time of entry into that product (or if you are accessing the Services as an authorised agent for another person, the terms and conditions which were provided to, and entered into by, that other person). To the extent there is any inconsistency between these Terms & Conditions and the terms of the specific product, the terms of the specific product shall prevail.
No Advice
Any information provided in the Services is general in nature and, unless expressly stated otherwise, does not constitute an offer or invitation for finance or to enter into a legally binding arrangement for any of Financial Network Pty Ltd’s products or services. All applications for finance through Financial Network Pty Ltd’s products, services or lending partners are subject to standard credit approval, fees, terms and conditions.
Financial Network Pty Ltd does not make any representation that the Services, products or lending partners’ products and services are appropriate or suitable for you or your circumstances. You acknowledge that your use of the Services and any enquiries or application for any products or services offered by Financial Network Pty Ltd is not made as a result of any inducement by Financial Network Pty Ltd and that any information available through the Services is not to be treated as and does not constitute financial advice.
Jurisdictional limitations
Not all products and services offered by Financial Network Pty Ltd are available in all geographical locations in which Financial Network Pty Ltd operates. It is your responsibility to ensure you access only the Website and Services that are available in your location. You acknowledge and accept that any failure to do so may result in your receiving information in respect of products and services which are not available to you and that Financial Network Pty Ltd is under no obligation to provide you with such products and services.
Intellectual Property
The content of the Services is the exclusive property of Financial Network Pty Ltd or is used by Financial Network Pty Ltd under licence from another party. Users of the Services are prohibited from using any intellectual property, including any trademarks, logos and marks (“Services IP”) for any purpose without the prior written permission of Financial Network Pty Ltd or such third party which may own the relevant Services IP.
All information and content available on or through the Services (including any software programs) (“Content”) is protected by copyright. Users of the Services are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content for any commercial or public purpose.
The Services may contain hyperlinks to third-party sites and materials (“Links”). These Links are provided for information purposes only and Financial Network Pty Ltd does not thereby endorse or authorise the content of such Links or imply any ownership or control over such Links. You should assess the risks and consider the reliability of the content of such Links before relying upon or retrieving information from such Links.
Costs
The Services are provided to, and can be used by, Financial Network Pty Ltd customers free of charge however standard fees and charges for using Financial Network Pty Ltd or our lending partners products and services still apply regardless of how such use is effected.
If you are downloading or accessing the Services (including the Financial Network Pty Ltd App) through your mobile service provider or through Wi-Fi you may incur internet data charges from your mobile or internet service provider.
You agree that, by enquiring on our website or other tools, Financial Network Pty Ltd may send SMS messages to your nominated mobile number. Financial Network Pty Ltd is not liable for any loss or damage you suffer as a result of any person other than you accessing those SMSs.
You may incur charges from your mobile or internet service provider as a result of such SMS. Any such charges are solely your responsibility.
Security
We recommend that you keep the operating system and security software for your mobile device updated with any releases issued by the manufacturer of the mobile device or your system provider.
If your mobile device has been “jailbroken” the security of your device operating system will have been compromised. This makes you susceptible to the risk of third party applications that may contain malware or the ability for third parties to harvest your information, including information available through applications on your mobile device. You acknowledge that you are responsible for any loss or detriment that you may suffer as a result of using the Services on a jailbroken mobile device. If you choose to use the Services on a jailbroken device, Financial Network Pty Ltd will not be liable for any loss arising from your use of the Services or any other loss that may arise in connection with the Services as a result of your device being jailbroken.
User obligations
By using the Services, you agree that you must:
- not provide Financial Network Pty Ltd with any information that is false, misleading or incomplete, including, without limitation, in relation to your identity, your financial position or trading information or that of your business;
- provide Financial Network Pty Ltd with your current and complete contact information and ensure that you advise Financial Network Pty Ltd promptly if any of these details change;
- not use our services for any activity that is fraudulent, improper or illegal;
- not permit anyone else to access or use your operating systems;
- immediately contact Financial Network Pty Ltd if you believe that your our website has been compromised or improperly accessed through the Services, or there have been any fraudulent or improper transactions or a security breach.
No warranties
Content provided or displayed as part of the Services is provided on an “as is” basis. Financial Network Pty Ltd does not provide any warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. Please seek the advice of appropriate professional advisers to evaluate any opinion, advice, product, service, or other content that may be made available or otherwise included on the Services.
Personal Information
We may collect information about your installation and use of the Services for the purposes of analytics, research and improvement of our products and services. Any such information will be collected, stored, used and managed in accordance with our Privacy Policy.
Outages and changes or termination of the Services
Access to the Services may occasionally be limited or unavailable due to hardware or software failures or defects or other matters outside of Financial Network Pty Ltd’s control. From time-to-time access to the Services may also be limited or unavailable due to routine or ad hoc system upgrades or testing. Financial Network Pty Ltd will schedule the timing of any routine upgrades or testing to minimise any impact on users of the Services.
To the extent permitted by law, Financial Network Pty Ltd will not be liable for any loss or damage which may be incurred as a result of the Services being unavailable or limited for any reason.
Financial Network Pty Ltd may change or terminate any of the Services at any time, in its absolute discretion. In addition, Services may be limited or terminated at any time, including, if you do not comply with these Terms and Conditions.
Governing Law
These Terms and Conditions are governed in accordance with the laws in force in Victoria, Australia and the parties submit to the exclusive jurisdiction of the courts of Victoria, Australia.
Limitation of Liability
Financial Network Pty Ltd will not be responsible for any loss or damage to your mobile device or systems as a result of your access or use, or attempted access or use, of the Services.
You are not required to download and install any of the Services offered.
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