Website Terms and Conditions of Use

Effective Date: Current Version

About These Terms

These Terms and Conditions apply to all websites operated by Albertus Pty Ltd Trading as Awesome Lending Solutions (ABN 60144897781, Credit Representative 407514) and any related entities.

Agreement to Terms

By accessing or using our websites, you agree to:

• These Terms and Conditions of Use
• Our Privacy Policy
• Any other notices, disclaimers, or terms displayed on our websites

Important: If you do not accept these terms, you are not authorized to use our websites.

Changes to These Terms

We may update these Terms and Conditions at any time by publishing a new version on our websites. Key points:

• These terms replace all previous versions
• By accessing our websites, you accept the current terms
• We reserve all rights not expressly granted in these terms
• Check this page regularly for updates

Website Tools and Calculators

Information Only – Not Financial Advice

Any calculators or tools on our websites are:

• Provided for convenience only
• Not financial or credit advice
• Generic information that doesn’t consider your personal circumstances
• Not a recommendation to follow any particular course of action

We recommend: Seek independent professional advice before making financial decisions based on information from our websites.

Security and Privacy

Internet Security Risks

When using our online services, please be aware:

• Sending information via the internet carries inherent security risks
• You should assess these risks before using our online services
• Take appropriate precautions to protect your personal information

Protecting Your Computer

You are responsible for ensuring:

• Your access methods don’t expose you to viruses or malware
• Your computer system is protected from interference
• You use appropriate security software and practices

Links to External Websites

Third-Party Content

Our websites may contain links to third-party websites. Please note:

• We do not endorse third-party website operators
• We are not responsible for third-party content, products, or services
• We provide no warranty regarding third-party websites
• Third-party sites have their own terms and privacy policies

Commercial Relationships

We may receive payments from third-party website operators when:

• You link to their website from ours
• You purchase goods or services from them

Your Use of Third-Party Sites

To the extent permitted by law:

• We accept no liability for third-party websites
• Use of third-party sites is at your own risk
• Review their terms and privacy policies before use

Geographic Restrictions

Australian Residents Only

Our websites and services are:

• Designed for Australian residents only
• Prepared according to Australian Commonwealth laws
• Not directed at residents of other countries

International Access Restrictions

If you are not an existing customer and are accessing from outside Australia:

• You must not submit online applications or requests
• Applications from outside Australia will not be accepted
• Content may not comply with laws in your jurisdiction

Third-Party Software

Software Downloads

When downloading software from third-party websites:

• The software is their product, not ours
• Software may be subject to separate license agreements
• You must review and accept their terms

Our Position

To the extent permitted by law:

• We accept no responsibility for third-party software
• We provide no warranty or endorsement
• We welcome your feedback about third-party products

Disclaimers and Warranties

Information Accuracy

While we strive for accuracy:

• We do not warrant that information has been independently verified
• We do not guarantee accuracy, adequacy, or completeness
• Information may not be suitable for your specific needs
• All information is subject to change without notice

Website Availability

We do not guarantee:

• Our websites are virus-free
• Access will be uninterrupted
• All features will function perfectly at all times

Your Responsibility

You acknowledge and agree:

• You use our websites at your own risk
• You should verify information independently
• You must protect your own computer systems

Limitation of Liability

General Limitations

Subject to laws that cannot be excluded, we are not liable for:

Direct or Indirect Losses Including:

• Damages or liabilities
• Claims or expenses
• Legal costs
• Defence or settlement costs

Arising From:

• Information on our websites
• Your use of our websites
• Website modifications, suspensions, or discontinuance

Whether Based On:

• Contract
• Tort (including negligence)
• Statute
• Any other legal basis

Implied Warranties

For warranties implied by law that cannot be excluded, our liability is limited to (at our option):

• Resupply of goods or services
• Repair of goods or services
• Payment of costs to have goods or services resupplied or repaired

Who This Applies To

This limitation covers:

• Our company
• Our employees
• Our agents
• Our officers

Intellectual Property Rights

Copyright Protection

All material on our websites is protected by copyright under the Copyright Act 1968 (Cth).

You Must Not (without our written permission):

• Reproduce content in any form
• Upload content to third-party sites
• Link to or frame our content
• Store content in retrieval systems
• Transmit content by any means
• Commercialize any information or services from our websites

Allowed Uses:

• Personal, non-commercial use as permitted by copyright law
• Fair dealing for research or study purposes

Trademarks

Our websites include registered trademarks owned by us or our licensors.

You Must Not:

• Use our trademarks without written consent
• Imply endorsement or association without permission
• Use our branding in any misleading way

Acceptable Use

Prohibited Activities

When using our websites, you must not:

• Violate any applicable laws or regulations
• Infringe intellectual property rights
• Transmit harmful code or viruses
• Attempt unauthorized access to our systems
• Interfere with website functionality
• Use automated tools to access our sites without permission

Contact Information

For questions about these Terms and Conditions, please contact:

Awesome Lending Solutions
Albertus Pty Ltd
Credit Representative 407514
ABN 60144897781

Legal Framework

These Terms and Conditions are governed by:

• Australian Commonwealth law
• Laws of the State or Territory where you reside
• Applicable consumer protection legislation

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable:

• That provision will be limited or eliminated to the minimum extent necessary
• Other provisions will remain in full force and effect

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published on our websites, constitute the entire agreement between you and us regarding use of our websites.

By using our websites, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions of Use. Please review these terms regularly as continued use of our websites constitutes acceptance of any changes.