“Content”

means the textual, visual or audio content that is encountered as part of your experience on Our Website. It may include, among other things: text, images, sounds, videos and animations. It includes content Posted by you.

"Post"

means display, exhibit, publish, distribute, transmit and/or disclose information, details and/or other material on Our Website, and the phrases "Posted" and "Posting" shall be interpreted accordingly.

“Service”

means all of the services offered for sale through Our Website by a Provider.

“Provider”

means a person who we refer you to who offers a Service.

“Our Website”

means any website of ours, and includes all web pages controlled by us.

“User”

means any person other than you who uses or visits the website for any purpose.

"you” “yours” etc,

means you, the party to this agreement.

1. Mortgage Info is neither a buyer nor provider of Services offered for sale. We are neither a principal nor agent in a buying transaction.
2. Mortgage Info is a marketplace. We are agents of a Provider only to the extent of use of Our Website as a platform for sale of his Service, and the provision of information to you.
3. We welcome any comment or complaint about a Provider, which you make through Our Website. We may act upon a complaint in our discretion, for the benefit of the body of Mortgage Info website users.
4. We are not responsible for supply of any Service you order or for the cancellation and refund procedure should you decide to cancel a Service for any reason.
5. These terms and conditions regulate the business relationship between you and us. By using Our Website free of charge, you agree to be bound by them.
6. We provide a marketplace for the supply of Services and information. We are in no way responsible for:
   
   
   1. your locating and ordering a Service;
   2. your choice of a Service;
   3. any aspect of the provision of the Service;
   4. refund payment for any Service;
   5. any complaint about any Service.
7. In any dispute with a Provider, you should deal only with the Provider. We have neither legal obligation nor detailed information about the Services.
8.  We may change this agreement in any way at any time. The version applicable to your contract is the version which was Posted on Our Website at the time that the contract was made.

1. When you visit Our Website, you accept responsibility for any action done by any person using your name, account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner.
2. You agree that you have provided accurate, up to date, and complete information about yourself. We are not responsible for any error made as a result of such information being inaccurate.
3. You agree to notify us of any changes in your information immediately it occurs. If you do not do so, we may terminate your account.

1. Unless it is clear to the contrary, you may assume that every sale is made by the Provider in the course of his business.
2. Services may be offered for sale subject to any discount or promotion arranged between Mortgage Info and the Provider.
3. Subject to discounts and promotions, Services are offered for sale at a fixed price. GST may be due and will be either included in the price or shown separately.
4. Services will be provided at the times and places specified in the website or otherwise in terms and conditions of each Provider.
5. Neither we nor the Provider can be responsible for action by any governmental authority. We do not know and are not responsible for duties, taxes, delays or impounding of any item.
6. Every sale will be subject to the laws applicable but there shall not be implied any right which is neither a legal right nor set down in these terms and conditions.
7. For security purposes (yours and ours) we will not permit more than a maximum number of transactions with you in a given period of time.
8.  To make future use of Our Website easier and faster for you, we will retain the personal and delivery information you give to us. For detailed about disclosure of personal information please see our privacy notice.

To give you the utmost confidence in the Mortgage Info buying experience, we offer you an after sales guarantee:

1. If the Provider fails within a reasonable time, to supply a Service for which you have enquired, or supplies a Service which is substantially different from what you ordered, we may refer you to a different Provider.
2. This guarantee is subject to the following conditions:
   
   
   1. the claim form must be completed truthfully and accurately;
   2. you must provide a street address to us in Australia;
   3. you are limited to a lifetime maximum of three claims and a maximum of one item in two years;
3. The guarantee set out in this paragraph is non contractual. We shall operate it at our sole discretion.

1. Our privacy policy is strong and precise. It complies fully with current privacy law which is at https://mortgage-info.com.au/privacy-policy/.
2. If you Post Content to any public area of Our Website it becomes available in the public domains. We have no control over who sees it or what anyone does with it.
3. Even if access to your text is behind a user registration it remains effectively in the public domain because someone has only to register and log in, to access it. You should therefore avoid Posting unnecessary confidential information.
4. We need the freedom to be able to publicise our Services and your own use of them. You therefore now irrevocably grant us the right and licence to edit, copy, publish, distribute, translate and otherwise use any Content that you place on Our Website, in public domains and in any medium. You represent and warrant that you are authorised to grant all such rights.
5. We will use that licence only for commercial purposes of the business of Our Website and will stop using it after a commercially reasonable period of time.
6. You agree to any act or omission which may otherwise infringe your right to be identified as the author and your right to object to derogatory treatment of your work as provided in the Copyright Act 1968.
7. You now irrevocably authorise us to publish feedback, comments and ratings about your activity through Our Website, even though it may be defamatory or critical.
8. Posting content of any sort does not change your ownership of the copyright in it. We have no claim over it and we will not protect your rights for you.
9. You understand that you are personally responsible for your breach of someone else’s intellectual property rights, defamation, or any law, which may occur as a result of any Content having been Posted by you;
10. You accept all risk and responsibility for determining whether any Content is in the public domain and not confidential.
11. Please notify us of any security breach or unauthorised use of your data.
12.  We do not solicit ideas or text for improvement of our Service, but if you do send to us material of any sort, you are deemed to have granted to us a licence to use it.

We invite you to Post Content to Our Website in several ways and for different purposes. We have to regulate your use of Our Website to protect our business and our staff, to protect other Users of Our Website and to comply with the law. These provisions apply to all Users of Our Website.

We do not undertake to moderate or check every item Posted, but we do protect our business vigorously. If we believe Content Posted breaches the law, we shall co-operate fully with the law enforcement authorities in whatever ways we can.

You agree that you will not use or allow anyone else to use Our Website to Post Content or undertake any activity which is or may:

1. be unlawful, or tend to incite another person to commit a crime;
2. consist in commercial audio, video or music files;
3. be obscene, offensive, threatening, violent, malicious or defamatory;
4. be sexually explicit or pornographic;
5. be likely to deceive any person or be used to impersonate any person, or to misrepresent your identity, age or affiliation with any person;
6. use a Posting to solicit responses unconnected with the purpose of Our Website or the terms proposed by this agreement;
7. request or collect passwords or other personal information from another user without his permission, nor Post any unnecessary personal information about yourself;
8. be used to sell any goods or services or for any other commercial use not intended by us, for yourself or for any other person. Examples are: sending private messages with a commercial purpose, or collecting information with the intention of passing it to a third party for his commercial use;
9. include anything other than words (i.e. you will not include any symbols or photographs) except for a photograph of yourself in your profile in such place as we designate;
10. facilitate the provision of unauthorised copies of another person's copyright work;
11. link to any of the material specified in this paragraph;
12. use distribution lists that include people who have not given specific permission to be included in such distribution process;
13.  send age-inappropriate communications or Content to anyone under the age of 18.

In connection with the restrictions set out below, we may refuse or edit or remove a Posting which does not comply with these terms.

In addition to the restrictions set out above, a Posting must not contain:

1. hyperlinks, other than those specifically authorised by us;
2. keywords or words repeated, which are irrelevant to the Content Posted.
3. the name, logo or trademark of any organisation other than yours.
4. inaccurate, false, or misleading information.

1. For the avoidance of doubt, this paragraph is addressed to any person who visits Our Website for any purpose.
2. We are under no obligation to monitor or record the activity of any User of Our Website for any purpose, nor do we assume any responsibility to monitor or police Internet-related activities. However, we may do so without notice to you and without giving you a reason.
3. If you are offended by any Content, the following procedure applies:
4. Your claim or complaint must be submitted to us in the form available on Our Website, or contain the same information as that requested in our form. It must be sent to us by post or email.
   
   
   1. we shall remove the offending Content as soon as we are reasonably able;
   2. after we receive notice of a claim or complaint, we shall investigate so far as we alone decide;
   3. we may re-instate the Content about which you have complained or we may not.
5. In respect of any complaint made by you or any person on your behalf, whether using our form of complaint or not, you now irrevocably grant to us a licence to publish the complaint and all ensuing correspondence and communication, without limit.
6. You now agree that if any complaint is made by you frivolously or vexatiously you will repay us the cost of our investigation including legal fees, if any.

If you violate Our Website we shall take legal action against you.

You now agree that you will not, and will not allow any other person to:

1. modify, copy, or cause damage or unintended effect to any portion of Our Website, or any software used within it.
2. link to Our Website in any way that would cause the appearance or presentation of Our Website to be different from what would be seen by a User who accessed Our Website by typing the URL into a standard browser;
3. download any part of Our Website, without our express written consent;
4. collect or use any product listings, descriptions, or prices;
5. collect or use any information obtained from or about Our Website or the Content except as intended by this agreement;
6. aggregate, copy or duplicate in any manner any of the Content or information available from Our Website, other than as permitted by this agreement or as is reasonably necessary for your use of the Services;
7. share with a third party any login credentials to Our Website;
8. Despite the above terms, we now grant a licence to you to:
   
   
   1. create a hyperlink to Our Website for the purpose of promoting an interest common to both of us. You can do this without specific permission. This licence is conditional upon your not portraying us or any product or service in a false, misleading, derogatory, or otherwise offensive manner. You may not use any logo or other proprietary graphic or trademark of ours as part of the link without our express written consent.
   2. you may copy the text of any page for your personal use in connection with the purpose of Our Website or a Service we provide.

1. All Content on Our Website, for example page text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of either us or our affiliates or suppliers of Services for sale. It is all protected by international copyright laws.
2. You may not copy, or in any way exploit any of the content, except as is expressly permitted in this agreement or with our written consent. For the sake of good order you should note that copyright exists in compilations and graphic images, shapes and styles, as well as in raw text.