Terms and Conditions

1. Accepting these Terms of Use

By using our website, you confirm that you accept these Terms of Use and agree to be bound by them.

2. Our Website

2.1 You must use our website in accordance with these Terms of Use, only for lawful purposes and in a way that does not infringe the rights of anyone or restrict or inhibit anyone’s use of our website.

2.2 You understand and agree that your use of our website is provided “as is” and “as available”. We do not represent or warrant that the operation of our website will be secure, confidential, uninterrupted, error-free, accurate, complete, or current.

2.3 We regularly update and carry out maintenance on our website, so we may have to suspend access, service, or functionality on our website from time to time, without notice. We will not be liable if, for any reason, our website is not available at any time or for any period of time.

2.4 Our website may contain links to third party sites, information and resources (Third Party Links), and information provided by third parties (Third Party Content). We are not responsible for the Third Party Links or Third Party Content. We can not guarantee that any Third Party Links or Third Party Content will be uninterrupted, error-free, accurate, complete, or current.

2.5 Any links to Third Party Content do not represent our endorsement of Third Party. We have no control over the Third Party Content, and will not be liable for any loss or damage you suffer or incur when you access or use any Third Party Links or Third Party Content.

3. Content

3.1 We own or are the licensee of, the intellectual property rights in the content of our website, including text, photos, graphic designs, and images.

3.2 Subject to clause 3.3, you retain all the rights to the content you submit or post on or through our website.

3.3 By submitting and posting your content on our website:

(a) you give us a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to reproduce, publish, display and distribute your content;

(b) you consent to us disclosing your content and personal information with our suppliers; and

(c) you consent to us and our suppliers using your personal information to send you information about products and services that we feel may be of interest to you. You can unsubscribe from receiving this information at any time by emailing us at marketing@mortgagechoice.com.au.

3.4 Our use of your personal information will be governed in accordance with our privacy policy, a copy of which can be found here.

4. Cookies

4.1 We use ‘cookies’ to provide you with better and more customized service and a more effective website.

4.2 A ‘cookie’ is a small text file placed on your computer by our web server. Our webpage servers can later retrieve a cookie. Cookies are frequently used on websites; you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

4.3 We use cookies for different purposes such as:

(a) to allocate a unique number to your internet browsers;

(b) to customize our website for you;

(c) for statistical purposes;

(d) to identify if you have accessed a Third Party Website; and

(e) for security purposes.

5. Advertising and tracking

5.1 When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases “web beacons” to collect information such as:

(a) the server your computer is logged onto;

(b) your browser type;

(c) the date and time of your visit; and

(d) the performance of their marketing efforts.

5.2 When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilize our website (eg which pages you view) and whether you complete an online application.

6. IP addresses

6.1 Your IP address is the identifier for your computer when you are using the internet.

6.2 It may be necessary for us to collect your IP address for your interaction with various parts of our website.

7. Online applications

7.1 When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

7.2 You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. We may view online applications that have been suspended or saved.

8. Security of information

8.1 The security of your information is important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

8.2 We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorized access, modification, or disclosure.

8.3 If we no longer require your information and are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

8.4 We take reasonable steps to preserve the security of cookies and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you send us will be secure (encrypted) or not secure (unencrypted).

9. Disclosure to overseas entities

9.1 We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

10. Liability

10.1 Except where we are unable to exclude our liability by law, we will not be liable to you for any loss or damage, however, it arises, whether in contract, the statute of tort (including negligence), arising out of, or in connection with, your use of (including the inability to use) our website.

10.2 We exclude liability for any loss of profit, loss or corruption of data, special, exemplary, punitive, incidental, indirect, or consequential loss or damages suffered or incurred or arising in connection with our website, any services we have provided, or in connection with any act or omission by us (negligent or otherwise).

11. General Terms

11.1 We reserve the right to change any or all of these terms and conditions, and/or add new terms and conditions at any time. When we do so, we will make a new copy of these Terms of Use available on our website. Your continued use of our website will be deemed to constitute your acceptance of such changes.

11.2 If any part of these Terms of Use is void, unenforceable, or illegal, they will be severed and the remainder of these Terms of Use will continue to have full force and effect.

11.3 Notices required under these Terms of Use may be sent by email, by post, or in the case of notices, we give you, by making the information available on our website.

11.4 There is no employment, partnership, agency, or fiduciary relationship between you and us.

11.5 These Terms of Use are governed by and construed under the laws of New South Wales.

11.6 Any dispute or difference arising out of these Terms of Use will be submitted to arbitration in accordance with, and subject to, the Institute of Arbitrators and Mediators Australia Fast Track Arbitration Rules. The seat of arbitration will be in Sydney, Australia. The language of the arbitration will be English. The number of arbitrators will be one.