Terms of Use

This website is owned and operated by Manage Your Loans Pty Ltd ABN 34 652 442 790 (‘we’ ‘us’ and ‘our’).

1. Accepting these Terms of Use

By using our website, you confirm that you accept these Terms of Use and agree to be bound by them.

2. Our Website & Social Media Platforms

2.1 You must use our website and social media platforms in accordance with these Terms of Use, only for lawful purposes and only in a way that does not infringe the rights of anyone or restrict or inhibit anyone’s use of our website and social media platfroms.

2.2 The material on the Website is published by us and is intended for use in Australia. The Website is not intended for use outside Australia. We make no claim that the information contained on this Website is appropriate or may be downloaded legally outside Australia. If you access the Website from outside Australia, you do so at your own risk and you are responsible for compliance with the laws in your respective jurisdiction.

2.3 The Website is not intended for persons under the age of 18. If you are under 18, you should speak to your parents, your guardian, or a responsible adult and obtain their permission to use the Website.

2.4 You understand and agree that your use of our website is provided “as is” and “as available”. We do not represent or warrant that the operation of our website will be secure, confidential, uninterrupted, error-free, accurate, complete or current.

2.5 We update and carry out maintenance on our website regularly, at times we may have to suspend access, service or functionality on our website, without notice. We will not be liable if, for any reason, our website is not available at any time or for any period of time.

2.6 Our website contains links to third party sites, information and resources. We are not responsible for the Third Party websites or the information they contain, and can not guarantee that any Third Party websites will be uninterrupted, error-free, accurate, complete or current. We recommend that you review the respective terms of use on each of these websites

2.7 Any links to Third Parties does not represent our endorsement of such Third Party. We have no control over the Third Party content, and will not be liable for any loss or damage you suffer or incur when you access or use any Third Party websites or content.

3. Content

3.1 We own the intellectual property rights in the content of our website and social media platforms, including text, images and designs.

3.2 Subject to clause 3.3, you retain all the rights in and to the content that you submit or post on our website.

3.3 By submitting and posting your content on our website and social media platforms:

(a) you give us a perpetual, irrevocable, worldwide, royalty-free and non-exclusive licence to reproduce, publish, display and distribute your content;

(b) you consent to us disclosing your content and personal information with our suppliers; and

(c) you consent to us and our suppliers using your personal information to send you information about products and services that we feel may be of interest to you. You can unsubscribe from receiving this information at any time by emailing us at admin@manageyourloans.com.au.

4. General Advice Warning

4.1 The information presented on this website and our social media platforms is general in nature and does not take into account your personal goals, objectives and financial situation. It does not represent financial product advice. You should always seek independent legal and financial advice before making a decision in relation to a financial product. Read the Product Disclosure Statement (PDS) relevant to the product before making a decision. You should consider your own circumstances, needs and financial objectives before making a decision.

5. Cookies

5.1 We use ‘cookies’ to provide you with a better service and a more effective website.

5.2 A ‘cookie’ is a file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

5.3 We use cookies for different purposes such as:

(a) to allocate a unique number to your internet browsers;

(b) to customise our website for you;

(c) for statistical purposes;

(d) to identify if you have accessed a Third Party Website; and

(e) for security purposes.

6. IP Addresses

6.1 Your IP address is the unique identifier for your computer when you are using the internet. They’re used to identify the network you’re connected to and the device you’re using — allowing websites and other networks to route data to you, check your permissions, view your geolocation, and more.

6.2 It may collect your IP address for your interaction with various parts of our website.

7. Advertising and tracking

7.1 When you view our advertisements on a Third Party website or social media platforms, the advertising company may use ‘cookies’ or other techniques to collect information such as:

(a) the server your computer is logged onto;

(b) your browser type;

(c) the date and time of your visit; and

(d) the performance of their marketing efforts.

7.2 When you access our website after viewing our advertisements on a Third Party website or social media platform, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

7.3 This information may be used to provide consented marketing to you in the future. If you do not wish to receive the marketing material you can unsubscribe at any time.

8. Online applications

8.1 When you send an online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

8.2 You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

9. Security of information

9.1 The security of your information is very important to us. We regularly stay abreast of best practice security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

9.2 We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

9.3 If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

10. Disclosure to overseas entities

10.1 We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

11. Liability

11.1 Except where we are unable to exclude our liability by law, we will not be liable to you for any loss or damage, however it arises, whether in contract, statute of tort (including negligence), arising out of, or in connection with, your use of (including inability to use) our website.

11.2 We exclude liability for any loss of profit, loss or corruption of data, special, exemplary, punitive, incidental, indirect or consequential loss or damages suffered or incurred or arising in connection with our website, any services we have provided, or in connection with any act or omission by us (negligent or otherwise).

12. Review of terms of use

12.1 We reserve the right to change any or all of these terms or add new terms and conditions at any time. When we do so, we will make a new copy of these Terms of Use available on our website. Your continued use of our website will be deemed to constitute your acceptance of such changes.

12.2 If any part of these Terms of Use are void, unenforceable or illegal, they will be severed and the remainder of these Terms of Use will continue to have full force and effect.

12.3 Notices required to be given under these Terms of Use may be sent by email, by post or in the case of notices we give you, by making the information available on our website.

12.4 These Terms of Use are governed by and construed under the laws of New South Wales.

12.5 Any dispute or difference arising out of these Terms of Use will be submitted to arbitration in accordance with, and subject to, the Institute of Arbitrators and Mediators Australia Fast Track Arbitration Rules. The seat of arbitration will be Sydney, Australia. The language of the arbitration will be English. The number of arbitrators will be one.

13. Competitions and promotions

13.1 From time to time we may run competitions or promotions on our website or through our social media platforms. The terms and conditions for those competitions and promotions will be specified on the relevant part(s) of the website. By entering or participating in the relevant competition or promotion you agree to be bound by the relevant terms and conditions.

13.2 Notwithstanding any specific terms and conditions, we retains the right, at any time and without notice, to remove, alter or add to competitions or promotions on the website.

13.3 All competitions and promotions are only open to persons located in Australia and prizes will not be awarded to people who do not meet the entry requirements at the time of entry