Terms and Conditions
When You register and activate Your account, We will provide You with a user name and password. You are responsible for keeping this user name and password secure and are responsible for all use and activity carried out under this user name. To create an account, You must be:
- 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 website in accordance with these Terms.
Our website and related 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. Facilities We provide on Our website, 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 normal approval criteria by the relevant lender. We may provide information more tailored to Your circumstances once You have logged in with Your unique user name and password and answered vario Us 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 website or other 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. Terms, conditions, fees and charges may apply and must be considered carefully before making a final decision.
We strongly recommend You obtain professional assistance before making any significant financial decision.
Accuracy, completeness and timeliness of information
The information on Our website 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 website, to the extent permitted by law, including the Australian Consumer Law, We make no warranty regarding the information on this website. You should monitor any changes to the information contained on this website.
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 this website or a linked website. You must take Your own precautions to ensure that whatever You select for Your use from Our website 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 may, from time to time and without notice, change or add to the website (including the Terms) or the information, products or services described in it. However, We do not undertake to keep the website updated. We are not liable to You or anyone else if errors occur in the information on the website or if that information is not up-to-date.
We offer the opportunity to purchase certain goods and services from Our website. All purchases You make on Our website 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 website may contain links to websites 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 and have no control over or rights in those linked websites.
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 this website and in all of the material (including all text, graphics, logos, audio and software) made available on this website and related Services (“Content”).
Your use of this website and use of and access to any Content does not grant or transfer any rights, title or interest to You in relation to this website or the Content. However We do grant You a licence to access the website and view the Content on the Terms and, where applicable, as expressly authorised by Us and/or Our third party licensors.
Any reproduction or redistribution of this website or the 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 is expressly prohibited.
All other use, copying or reproduction of this website, the Content or any part of it is prohibited, except to the extent permitted by applicable law.
No commercial use
This website is 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 this website. You may not use this website, or any of its Content, to further any commercial purpose, including any advertising or advertising revenue generation activity on Your own website.
You must not do any act that We would deem to be inappropriate, is unlawful or is prohibited by any laws applicable to Our website, including but not limited to:
- any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual's consent) or any other of the legal rights of individuals;
- using this website to defame or libel us, Our employees or other individuals;
- uploading files that contain viruses that may cause damage to Our property or the property of other individuals;
- posting or transmitting to this website 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 website, We have the right to take down this information at Our sole discretion and without notice.
Warranties and disclaimers
To the maximum extent permitted by applicable law, including the Australian Consumer Law, We make no warranties or representations about this website or the 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 this website will be secure.
We reserve the right to restrict, suspend or terminate without notice Your access to this website, any Content, or any feature of this website 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 website and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete or not up-to-date.
Jurisdiction and Governing Law
Your use of the website 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.
For further information about these Terms or Our practices, or make a complaint, please contact Us using the details set out below:
Effective: 1 March 2019
Ezi Financial Services Pty Ltd
Level 2, 6 The Corso
Manly NSW 2095
Telephone: 1 300 656 705