This website is owned and operated by owned and operated by Emergence Financial Group ACN 636 852 143 and will be referred to as “we”, “us” and “our”. By using this website, you agree to the Terms & Conditions of this website which is set out below.
As a user of this website, you are responsible for all your activity in connection with accessing and using this website.
Without prejudice to the above, by using or accessing our website, you agree to be legally bound by these terms and conditions of use as they apply to your use of or access to our website. If you do not accept our Terms and Conditions of Use you are not authorised to use our websites.
Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action.
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites.
We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.
Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.
The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia.
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.
To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.
The information on this website is provided for information purposes, general interest and enquiry only. While we use reasonable efforts to ensure that the information on this website is complete and up to date, to the extent permitted by law, we make no warranty or representation as to the accuracy, currency or completeness of any information on this website. The use of this website is at your own risk. Information may change without notice. Before relying on any information on this website, you should first verify the accuracy of the information and its relevance. This may mean contacting our personnel or finance brokers before relying on any information on this website.
We recommend that you seek independent advice before acting upon any of the information on our websites.
We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.
You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise.
To the extent permitted by law, we exclude all other warranties, guarantees, terms and conditions (whether express, implied or statutory) relating in any way to this website, its content or its use. Our liability for breach of any warranty, guarantee, term or condition implied into these Terms which cannot be excluded is limited, where permitted by law, to the re-supply of that part of this website again or, at our option, the payment of the costs of having an equivalent service supplied again.
You must not link to any of our websites without our prior written permission.