Web site terms and conditions

These terms and conditions (as amended from time to time) apply to the use of this web site, including the use of the information services offered on this web site. In using this web site, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, you must refrain from using the web site. These terms and conditions must be read in conjunction with any other applicable terms and conditions governing the use of this web site.

Amendments will be effective immediately upon notification on this web site. Your continued use of the web site following such notification will represent an agreement by you to be bound by these terms of use, the disclaimer and the privacy policy as amended.

Terminology

In these terms and conditions, the expressions “we”, “us” and “our” are a reference to Lark Nominees Pty Ltd ACN 011 058 736 trading as Aurora Finance Group and “information” and “material” includes all data, details, plans, computer software, estimates, graphs, figures, financial, costings, forecasts, results, advice, samples, statements, forms, ideas, streaming media, broadcasts, web-casts and web-conferencing.

Information service

All information provided by us on this web site is provided pursuant to these terms and conditions and is provided in good faith. You accept that any information provided by us is general information and is not in the nature of advice. We derive our information from sources which we believe to be accurate and up to date as at the date of publication. We nevertheless reserve the right to update this information at any time. In addition, we do not make any representations or warranties that the information we provide is reliable, accurate or complete or that your access to that information will be uninterrupted, timely or secure. We are not liable for any loss resulting from any action taken or reliance made by you on any information or material posted by us. You should make your own enquiries and seek independent advice from relevant industry professionals before acting or relying on any information or material which is made available to you from this web site.

You agree to use our information service for lawful purposes only.

Calculators

The results from any calculator made available to you from this web site should be used as an illustration only and should not be used as exact values for financial planning purposes.  The results of such calculators are based on the accuracy of information provided by you.  The results of such calculators do not represent either quotes or pre-qualifications for a loan.  Individual institutions apply different lending criteria and it is recommended that you consult your financial adviser before entering into a loan or security agreement.  The formulae used within such calculators may change at any time without notice

Disclaimer

We do not accept responsibility for any loss or damage, however caused (including through negligence), which you may directly or indirectly suffer in connection with your use of this web site or any linked web site, nor do we accept any responsibility for any such loss arising out of your use of or reliance on information contained on or accessed through this web site.

To the extent permitted by law, any condition or warranty which would otherwise be implied into these terms and conditions is hereby excluded. Where legislation implies any condition or warranty, and that legislation prohibits us from excluding or modifying the application of, or our liability under, any such condition or warranty, that condition or warranty will be deemed included but our liability will be limited for a breach of that condition or warranty to one or more of the following:

a.   if the breach relates to goods:
i.    the replacement of the goods or the supply of equivalent goods,
ii.   the repair of such goods,
iii.  the payment of the cost of replacing the goods or of acquiring equivalent goods or
iv.  the payment of the cost of having the goods repaired; and

b.   if the breach relates to services:
i.    the supplying of the services again, or
ii.   the payment of the cost of having the services supplied again.

The disclaimer set out above does not attempt or purport to exclude liability arising under statute if, and to the extent, such liability cannot be lawfully excluded.

Specific warnings

You agree that we are not licensed to provide financial, taxation or legal advice and that the material on this web site does not take into account your personal financial situation, goals or needs.  You should consider the appropriateness of the information on this website for your personal situation, goals and needs, and we recommend that you obtain independent financial advice before making a decision, entering into any transaction or taking any action.

We do not provide finance or lend money and nothing on this web site constitutes an offer of finance or loan approval. Any interest rates or fees stated on this web site are subject to change without notice, and further terms and conditions (including third party terms and conditions) may apply.  The material on this web site should not be relied upon for doing or failing to take any action or make any decision.

Unless expressly stated otherwise, the information on this web site does not constitute an offer or inducement to enter into a legal contract.

You must ensure that your access to this web site is not illegal or prohibited by laws which apply to you.

You must take your own precautions to ensure that the process which you employ for accessing this web site does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. For the removal of doubt, we do not accept responsibility for any interference or damage to your own computer system which arises in connection with your use of this web site or any linked web site.

Whilst we have no reason to believe that any information contained on this web site is inaccurate, we do not warrant the accuracy, adequacy or completeness of such information, nor do we undertake to keep this web site updated. We do not accept responsibility for loss suffered as a result of reliance by you upon the accuracy or currency of information contained on this web site.

Any opinions or advice by third parties on this web site remain the responsibility of those third parties and we do not guarantee the accuracy, completeness or usefulness of that content or its fitness for any particular purposes.

Where the information made available through this web site contains opinions or judgements of third parties, we do not purport to endorse the contents of that opinion or advice nor the accuracy or reliability of that opinion or advice. We do not accept liability for loss or damage caused by your reliance upon any information obtained through this service and it remains your responsibility to evaluate the accuracy, completeness and usefulness of any such information.
Responsibility for the content of advertisements appearing on this web site (including hyperlinks to advertisers’ own web sites) rests solely with the advertisers. The placement of such advertisements does not constitute a recommendation or endorsement by us of the advertisers’ products and each advertiser is solely responsible for any representations made in connection with its advertisement.

Copyright

Copyright in this web site (including text, graphics, logos, icons, sound recordings and software) is owned or licensed by us. Information procured from a third party may be the subject of copyright owned by that third party. Other than for the purposes of, and subject to the conditions prescribed under, the Copyright Act 1968 Cth and similar legislation which applies in your location, and except as expressly authorised by these terms and conditions, you may not in any form or by any means:

a.   adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of this web site; orb.    commercialise any information, products or services obtained from any part of this web site, without our written permission or, in the case of third party material, from the owner of the copyright in that material.

Trade marks

You must not use, reproduce, distribute, publish or licence the use of our trade marks, without our prior written consent.

Restricted use

Unless we agree otherwise in writing, you are provided with access to this web site only for your personal use. You are authorised to print a copy of any information contained on this web site for your personal use, unless such printing is expressly prohibited. Without limiting the foregoing, you may not without our written permission on-sell information obtained from this web site.

Linked web sites

This web site may contain links to other web sites (“linked web sites”). Those links are provided for convenience only and may not remain current or be maintained.

We are not responsible for the content or privacy practices associated with linked web sites.

Our links with linked web sites should not be construed as an endorsement, approval or recommendation by us of the owners or operators of those linked web sites, or of any information, graphics, materials, products or services referred to or contained on those linked web sites, unless and to the extent stipulated to the contrary.

Third Party Software

Unless otherwise indicated, software downloads and calculators on this web site are third party products, which may be subject to a licence between you and the relevant product owner.  To the extent permitted by law, we accept no liability in respect of such third party products and we give no warranty or endorsement in respect of such products or any party connected with them.

Security of information

Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Whilst we strive to protect such information, we do not warrant and cannot ensure the security of any information which you transmit to us. Accordingly, any information which you transmit to us is transmitted at your own risk. Nevertheless, once we receive your transmission, we will take reasonable steps to preserve the security of such information.

Termination of access

Access to this web site may be terminated at any time by us without notice. Our disclaimer will nevertheless survive any such termination.

Governing law

These terms and conditions are governed by the laws in force in Victoria, Australia. You agree to submit to the exclusive jurisdiction of the courts of that jurisdiction.

General

We accept no liability for any failure to comply with these terms and conditions where such failure is due to circumstances beyond our reasonable control.

If we waive any rights available to us under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion.

If any of these terms and conditions are held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions shall nevertheless continue in full force.