About these Terms
Please read the terms and conditions of use (“Terms”) set out
below carefully before using this Website (the "Site"). The use of
this Site is governed by these Terms.
If you have any questions regarding these
Terms, please contact us.
References to "you", "your" and "yours" are
references to the person(s) accessing the Site.
References to "we", "us" and "our" are
references to Wide Bay Australia Ltd ABN 40 087 652 060, Australian Financial Services and Australian Credit Licence No: 239686 (‘Wide Bay’) and its wholly owned subsidiaries,
agents and authorised representatives.
Acknowledgment and Acceptance of Terms
This Site is owned and operated by Wide Bay. By using this Site, whether
browsing or opening an application, you acknowledge that you have read and
understood these Terms and agree to be bound by them.
Unless otherwise stated or agreed with you, the information on this Site has
been prepared in accordance with Australian law for residents of Australia
and for the supply of products or services in Australia. To the extent that
it does not satisfy the laws of the country in which you reside or from which
you are accessing this Site or in respect of any exclusions contained in the
relevant product or service terms and conditions, it is not directed to you.
Trade Marks and Copyright
Unless otherwise indicated, copyright in all information and other materials
on this Site (including information and its arrangement) is owned by or licensed
to Wide Bay or has been reproduced with the consent of a business partner of
Wide Bay. All rights are reserved. Except as permitted under the Copyright
Act 1968 (Cth) or other applicable laws, this Site or any portion of the Site
may not be reproduced, adapted, distributed, displayed, transmitted or otherwise
exploited for any commercial purpose that is not expressly permitted by Wide
Bay. You may print, copy, download or temporarily store extracts from our Site
for your personal information or when you use products & services. You
must not alter anything. In particular you may not use a part of our Site on
any other website, or link any other website to our Site, without our prior
Nothing contained on this Site should be construed as granting
any licence or right of use of our logo or any trade mark displayed on the
Site without the express written consent of Wide Bay or the trademark owner.
No Offer or Advice
The information appearing on this website does not constitute an offer or
an intention to enter into a legally binding contract unless expressly stated
The material on this site contains general information about Wide
products or services and the products or services of other companies with which
we have formed a business relationship such as those for which we act as agent,
business partner, supplier or in which we are a shareholder (“Products & Services”).
The Products & Services are only available to approved applicants and,
in particular, all applications for credit are subject to normal credit approval
criteria. The information provided about Products & Services does
not form part of the terms and conditions of these Products & Services. All
Products & Services are subject to the terms and conditions, disclaimers
and disclosures of the applicable agreement governing their use. These Terms
are to be read by you together with such other terms and conditions, disclaimers
or product disclosure statements. In the event of any conflict - the terms
and conditions, disclaimers or product disclosure statement applicable to a
specific Product or Service shall prevail over these Terms.
This information is not based on any consideration of your personal objectives,
financial situation or needs. To decide if a Product or Service is right for
you please read the relevant terms and conditions, disclaimers or product disclosure
statement. These are available by contacting
recommend that if you do not understand them that you seek independent legal
or financial advice.
Disclaimer and Limitation of Liability
The use of the Site is at your sole risk. Subject to any liability implied
by law and which cannot be excluded, Wide Bay is not responsible for any loss,
damage, cost or expense incurred by you (including legal expenses) arising
out of or in connection with information on this Site (including any error,
omission or misrepresentation).
All information on this website (including these Terms) can be withdrawn
or changed without notice. You agree to review the Site regularly and your
continued access to, or use of, the Site following any changes will mean that
you agree to any changes (including any amended Terms).
While we have taken reasonable steps to ensure the accuracy, currency, availability
and completeness of the information contained on the Site, the information
is provided in good faith on an "as is", "as available" basis
and we do not make any representation or warranty of any kind, whether express
or implied, as to the reliability of the information contained on this Site.
While the information is believed to be accurate and current at the date the
information was placed on this Site - we do not guarantee the currency or accuracy
of the information. We do not accept any responsibility arising in any
way (including negligence) for errors in, or omissions from, the information
contained in this Site.
Independent verification is recommended prior to acting upon the information
supplied on this Site.
Details of Wide Bay’s policies regarding the privacy and security of
your personal information (including use of this website, emails, email forms
and interactive functions) are contained in our Privacy
Third Party Sites
Where we provide hypertext links to other locations on the Internet, we do
so for convenience and information purposes only.
We have not verified, and are not responsible for, the content, security or
privacy policies & practices of any other websites or pages linked to or
linking to this Site.
Unless expressly implied by us, the inclusion of any link does not imply
an endorsement, approval or recommendation of the linked website or its content
by Wide Bay and, subject to any applicable law which cannot be excluded, Wide
Bay makes no representation or warranty, expressly implied, regarding the quality,
merchantability or fitness for purpose of any products or services available
through a third party website. We make no representations or warranties regarding
the accuracy, functionality or performance of any third party functions or
software that may be used in connection with the Site. Following links to any
other websites or pages or using third party functions or software is entirely
at your own risk and we shall not be responsible or liable for any losses,
damages or expenses or in other way in connection with linking.
Links to downloadable software sites are for convenience only and we are
not responsible or liable for any difficulties or consequences associated with
downloading the software. Use of any downloaded software is governed by the
terms of the licence agreement, if any, which accompanies or is provided with
Availability & Security
While every endeavour is made to ensure the integrity and availability of
the Site - we do not represent or warrant that the Site will be available and
meet your requirements, that access will be uninterrupted, that there will
be no delays, failures, errors or omissions or loss of transmitted information,
that no viruses or other contaminating or destructive properties will be transmitted
or that no damage will occur to your computer system.
You have sole responsibility for adequate protection and back up of data
and/or equipment and to undertake reasonable and appropriate precautions to
scan for computer viruses or other destructive properties.
You agree not to attempt to transfer any material of any kind to this site
which contains a virus, malicious computer code or any harmful component and
not to otherwise attempt to alter the content of the Site. You agree that you
are wholly responsible for use of the Site by any person using your computer
and you agree to ensure that any such person complies with these Terms.
You agree to immediately notify Wide Bay of any unauthorised use of
your e-mail address to us or any other breach of security likely to compromise
our integrity or the integrity of your relationship with us or if you receive
or become aware of any ‘copycat’ websites, suspicious emails or
other ‘phishing’ communications purporting to be from us.
All figures displayed on this Site relating to fees, charges, interest and
any other amounts are in Australian dollars and are current at the time of
issue, but may change at any time.
These Terms and your access to the site may be terminated at any time by Wide
Bay without notice. All restrictions, disclaimers and limitations of liability
by Wide Bay will survive termination.
These Terms are governed by and are to be construed in accordance with the
laws of Australia. You agree to the non-exclusive jurisdiction of the courts
of Queensland, Australia and any courts which may hear appeals from those courts
in respect of any proceedings in connection with these Terms or this Site.
If any provision of these Terms is found to be invalid or unenforceable by
a Court of Law, such invalidity or unenforceability will not affect the remainder
of the Terms which will continue in full force and effect.
Wide Bay reserves any rights not expressly granted in these Terms.
By moving to any other part of this Site you agree that you have read, considered
check the contents of these Terms for amendments, and will carefully read any
of the terms, conditions and disclaimers provided at other parts of this Site.