"LOANS AUSTRALIA" (LA) - SECURITY

Keeping your personal and financial information private and secure is vitally important to "Loans Australia" (LA) and we would never consent to renting or selling any details or information you provide us. Your LA loan application information is protected so that only you have access to this personal information. All your data is protected, personal and confidential.

Privacy Policy - This Privacy Policy applies to the services offered on the www.loanaust.com web site offered by LA. Please read this Privacy Policy carefully before using the LA web site. Usage of the LA web site is conditional upon you agreeing to be bound by this privacy policy.  In summary, while you should read each provision in this Privacy Policy, you must note that by using the LA website:

You agree that if you submit your personal information to us, we may create a database record about you;

Your personal information is important to us.

LA is committed to safeguarding your personal privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.

Unless you directly give us consent to do otherwise, LA will only collect and use your personal information as set out below.

Our services - LA offers a variety of services on our web site related to our products, which might be of interest to you. These services may have specific conditions, which are explained at the time when you purchase those services, in addition to these general Terms and Conditions.

LEGAL TERMS AND CONDITIONS

This web site is provided by "Loans Australia (LA)". Your access to this website and your use of the services provided through it is subject to these legally binding terms and conditions. Please read them carefully.

1. Disclaimer of Warranty and Limitation of Liability

The information on this website is general information provided as a guide to the steps involved in borrowing money and buying and selling property. The information on this website is not legal, financial or real estate advice and is not suitably relied on by you as such advice. You should obtain professional legal, financial and real estate advice before applying for any loan or purchasing any property. LA excludes all liability for loss or damage suffered by you as a result of your reliance on the information on this website.

This website contains content and links to content provided and maintained by third parties ("Third Party Content"). LA makes no representation or warranty as to the accuracy or reliability of any of the Third Party content and excludes all liability for loss or damage suffered by you as a result of your reliance on the Third Party Content.

This website contains calculators which give various figures including estimates as to how much you may be able to borrow. You acknowledge and agree that:

a. the results shown by the calculators on this website are a guide only and actual figures may vary;

b. formal loan approval is subject to acceptance of a formal loan application submitted to the lender.

This website contains the details of the terms and conditions of various loans including the loans provided by our competitors. You acknowledge and agree that:

a. interest rates are subject to variation and that this information is only current as at the date of currency specified;

b. you should confirm the details of LA by calling our help line on 08 83384220;

c. you should confirm the details of our competitor's loans by contacting them.

To the maximum extent permitted by law, LA does not give any warranty in relation to the content, accuracy, source or any other aspect of the information contained on this website and any condition or warranty which would otherwise be implied in relation to your use of this website is hereby excluded. To the extent that LA liability cannot be legally excluded, LA liability will be limited to the provision of the service again or the cost of providing the service again.

In no event shall LA be liable for any loss of profits, savings, contracts, revenue, interest or goodwill or for any consequential, indirect, incidental, special or punitive loss, damage or expenses or loss or damage to data even if it has been advised of their possible existence.

2. Use of Website - You acknowledge that:

a. this website is designed to be used in conjunction with the following web browsers and that you may experience difficulties with use and access to this website unless you use such browsers:

b. Internet Explorer 5 or greater, Netscape 5 or greater.

c. the Internet is not error or fault free and that you may experience interruptions and difficulties accessing this website from time to time;

d. we may immediately and without notice suspend the operation of this website:

e. during any technical failure, modification or maintenance involving the website; or

f. if we, acting reasonably, deem it necessary to protect against fraudulent or illegal use or to otherwise protect us or our service providers from legal liability.

g. Registration and Passwords - We may provide you with a username, password, telephone number and other information to enable access to pages of this website.

h. You are aware that it may be possible for a third party to obtain your username and password by unauthorised means via your computer. It is your responsibility to take steps to prevent this from occurring, by means such as regularly changing your password and installing security software on your computer.

3. Misuse of this website - You must not:

a. hack into this website or our computer systems. Hacking means malicious damage or interference and includes, without limitation, mail bombing, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or website;

b. use robots or any other automated system to take information or data from this website.

4. Intellectual Property - You acknowledge and agree that the content (including without limitation the text, graphics, photographs, sound or other material presented on this website ("Content") is protected by copyright, trade mark, patents or other proprietary rights and laws. You are only permitted to use the Content as authorised by LA.

5. General - These terms and conditions are governed by the laws in force in the State of South Australia and each party hereto irrevocably submits to the exclusive jurisdiction of the Courts of that State.