If you use this website you accept the conditions that are set out below and that apply in relation to its use. Please read them carefully.
The ratesonline.com.au website is owned by Ratesonline Pty Ltd ACN 122 052 582 (Ratesonline). Your access to this website is subject to these terms.
1. Variation of conditions of use of website
We reserve the right to vary these conditions from time to time. The latest conditions will always be made freely available to users at www.ratesonline.com.au/legal.
2.Information on Website
Products on this site are only available in Australia unless otherwise stated expressly.
This website contains general information only and should not be considered as a comprehensive source and should not be relied upon as such.
The information contained on this website does not take into account your objectives, financial situations or needs. You should consider with or without an adviser whether the information contained in this website is appropriate taking into consideration your objectives, financial situation and needs. You should obtain the disclosure statements relating to the product that interests you before making a decision to purchase that product.
3. No affiliation etc
We are not affiliated with any person whose goods or services are linked to or from the website or any linked site. We do not sponsor, endorse or approve of any of those goods or services.
Should you leave ratesonline.com.au via a link contained contained in this website and view content on another site, you do so at your own risk.
4. Copyright
We own the copyright in the website and all of its content. We reserve our rights in it. Apart from uses permitted by the Copyright Act 2001 or by this licence, no part of any material may be reproduced or provided to the public, in any form and by any means, without our written permission.
5. Trade marks etc
We own our trademark and device. No permission is given for their reproduction or publication, except to the extent allowed by these terms.
6. Things we don’t promise
- 6.1 We do not promise you any of the following:
- 6.1.1 That you will have uninterrupted or error-free access to, and use of, the website.
- 6.1.2 That the website or any files available for downloading will be error-free or free from viruses, faults or defects.
- 6.1.3 That the content of the website (including the text, registration facilities, hyperlinks, and the underlying HTML or XML) is accurate, complete, or suitable for a particular purpose. You must rely on your own judgment in relation to any matter of that type
7. Exclusion of liability
- 7.1 To the maximum extent the law allows:
- 7.1.1 we exclude every warranty or condition of any kind that might otherwise apply in relation to the website, its content and its useability.
- 7.1.2 we are not liable, and each of our officers, employees and agents is not liable, for any liability, loss, damage or expense you incur or suffer that arises out of your use of (or reliance on) any of the content of the website or your inability to use it.
- 6.1.3 That the content of the website (including the text, registration facilities, hyperlinks, and the underlying HTML or XML) is accurate, complete, or suitable for a particular purpose. You must rely on your own judgment in relation to any matter of that type
8. Limitation of liability for implied warranties we can’t exclude
- 8.1 In the case of an implied warranty that the law says we can’t exclude, our liability is limited, in cases where the law allows it, to any one or more of the following, at our option:
- 8.1.1 in the case of services:
- (a) the resupply of the services
- (b) the payment of the cost of having the services resupplied.
- 8.1.1 in the case of services:
9. Third Party Advertising
ratesonline.com.au includes advertisements, hyperlinks and pointers to websites operated by advertisers (third parties). Those websites are not part of ratesonline.com.au and as such are not under the control / responsibility of Ratesonline. Once you leave ratesonline.com.au you do so at your own risk.
10. Applicable Law
These terms and all other terms which govern your use of or access to the www.ratesonline.com.au web site will be governed by and construed in accordance with the laws of the state of Victoria, Australia.
Insurance
In preparing the advice on this website moneyQuest Insurance Services has not considered your personal circumstances, so you can’t assume it will be suitable for you. Please seek personal financial advice prior to acting on this information.These are the terms and conditions for use of this site and access to the information contained on this site.
1. moneyQuest Insurance Services, its authorised representatives:
(a) do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
(b) may change and update the information from time to time;
(c) make no representation in relation to, and are not responsible in any way, for any other site you access through this site;
(d) own the copyright in the information in this site.
2. Any trade marks appearing in this site are the trade marks of moneyQuest Insurance Services or third parties. Users must not use or reproduce any of the trademarks that appear in this site.
3. Users of this site must not:
(a) do anything to alter or modify the information in this site;
(b) use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
(c) distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
(d) post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.
4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect in this site.
5. The information contained in this site is made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives.
6. moneyQuest Insurance Services are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by moneyQuest Insuarance Services
7. All references in this site to "$" or "dollars" are references to Australian currency unless otherwise stated.
8. Users of this site agree to indemnify moneyQuest Insurance Services and other members of the National Australia Group of companies from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.
9. No information, feedback, questions or comments placed on this site by any person other than moneyQuest Insurance Services will be authorised or otherwise endorsed. JPM Investment Group can reproduce, use, disclose and distribute the information to others in their absolute discretion.
10. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between moneyQuest Insurance Services and other organisation (unless otherwise expressly stated).
11. You consent to moneyQuest Insurance Services monitoring your use of this site.
Click here for moneyQuest Insurance Services Pty Ltd FSG document.
moneyQuest Insurance Services Pty Ltd Authorised Representative No 382622 of Millennium3 Financial Services Pty Ltd AFSL 244252.
