- A resident of Australia;
- at least 18 years of age;
- possess the legal right and ability to enter into a legally binding agreement with Us; and
- agree and warrant to use the Services in accordance with these Terms.
Our Services are intended for use only in Australia by Australian residents and are not directed towards residents of any other country and should not be relied on by anyone in any country other than Australia as the information We provide to You may not satisfy the laws of that other country.
The information We provide to You is only of a general nature and should not be taken as a replacement for professional advice relating to Your own circumstances. We have not taken into consideration Your personal objectives, financial situation or specific needs. Functions and facilities We provide on Our Services, such as the mortgage calculator, are only for general guidance and must not be relied upon without further advice. We may provide You with an online application form although all applications are subject to approval by the relevant lender or other third party for whom You provide the information to Us. We may provide information more tailored to Your circumstances once You have logged in with Your unique user name and password and answered various questions and provided certain information to Us, although You should still consider that information carefully before acting upon it.
Unless otherwise stated, any quote that You may obtain via Our Services, including estimates of interest rate, repayments and other similar calculations, are for illustrative purposes only. The actual interest rate, repayments and other relevant amounts will depend on the actual assessment conducted on Your application by a lender or other 3rd party. Terms, conditions, fees and charges may apply and must be considered carefully before making a final decision.
We strongly recommend You obtain professional advice and assistance before making any significant financial decision.
Accuracy, completeness and timeliness of information
The information on Our Services is not comprehensive and is intended to provide a summary of the subject matter covered. While We use all reasonable attempts to ensure the accuracy and completeness of the information on Our Services, to the extent permitted by law, including the Australian Consumer Law, We make no warranty regarding the information on Our Services. You should monitor any changes to the information contained on Our Services.
We are not liable to You or anyone else if interference with or damage to Your computer systems occurs in connection with the use of Our Services or any website or other services linked to Our Services. You must take Your own precautions to ensure that whatever You select for Your use from Our Services is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of Your computer systems.
We offer the opportunity to purchase certain goods and services from Our Services. All purchases You make on Our Services are final and no refunds are offered or available unless otherwise indicated.
Promotions and competitions
For certain campaigns, promotions or contests, additional terms and conditions may apply. If You want to participate in such a campaign, promotion or contest, You need to agree to the relevant terms and conditions applicable to that campaign, promotion or contest. In case of any inconsistency between such terms and conditions and these Terms, those terms and conditions will prevail.
Our Services may contain links to websites and other services operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, We do not endorse and are not responsible for the content on those linked websites or other services and have no control over or rights in those linked websites or other services.
Intellectual property rights
Unless otherwise indicated, We own or license from third parties all rights, title and interest (including copyright, designs, patents, trademarks and other intellectual property rights) in Our Services and in all of the material (including all text, graphics, logos, audio and software) made available on Our Services (“Content”).
Your use of Our Services and access to and use of any Content does not grant or transfer any rights, title or interest to You in relation to Our Services or the Content. However We do grant You a licence to access Our Services and view the Content subject to these Terms and, where applicable, as expressly authorised by Us and/or Our third party licensors.
Any reproduction or redistribution of Our Services or Content is prohibited and may result in civil and criminal penalties. In addition, You must not copy the Content to any other server, location or support for publication, reproduction or distribution which is expressly prohibited.
All other use, copying or reproduction of Our Services, the Content or any part of it is prohibited, except to the extent permitted by applicable law.
No commercial use
Our Services are for Your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works from, transfer, or sell any Content, software, products or services contained within Our Services. You may not use Our Services or any Content to further any commercial purpose, including any advertising or advertising revenue generation activity on Your own website or other services.
You must not do any act that We would deem to be inappropriate, is unlawful or is prohibited by any laws applicable to Our Services, including but not limited to:
- any act that would constitute a breach of either the privacy rights (including uploading private or personal information without an individual’s consent) or any other of the legal rights of individuals;
- using Our Services to defame or libel Us, Our employees or other individuals;
- • uploading files that contain viruses that may cause damage to Our Services, Our property, or the property of other individuals;
- • posting or transmitting to Our Services any non-authorised material including, but not limited to, material that is, in Our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic or otherwise or which is detrimental to or in violation of Our systems or a third party’s systems or network security.
If We allow You to post any information to Our Services, We have the right to take down this information in Our sole and absolute discretion and without notice to You or anyone else.
Warranties and disclaimers
To the maximum extent permitted by applicable law, including the Australian Consumer Law, We make no warranties or representations about Our Services or Content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that Our Services will be secure.
We reserve the right to restrict, suspend or terminate without notice Your access to Our Services, any Content, or any feature of Our Services at any time without notice and We will not be responsible for any loss, cost, damage or liability that may arise as a result.
To the maximum extent permitted by applicable law, including the Australian Consumer Law, in no event shall We be liable for any direct and indirect loss, damage or expense – irrespective of the manner in which it occurs – which may be suffered due to Your use of Our Services and/or the Content, or as a result of the inaccessibility of Our Services and/or the fact that certain information or materials contained on Our Services are incorrect, incomplete or not up-to-date.
Jurisdiction and Governing Law
Your use of Our Services and these Terms are governed by the law of New South Wales, Australia and You submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in New South Wales, Australia.
If any clause of these Terms is held to be invalid, void, unlawful or unenforceable for any reason, that clause will be severed from the Terms and it will not affect the validity and enforceability of the remainder of the Terms.
Effective: 27 September 2019
Ezi Financial Services Pty Ltd
Level 2, 6 The Corso
Manly NSW 2095