Acknowledgement and Acceptance of Terms

This Website (referred to in these Terms as the "Website") is owned and operated by Cuscal Limited (ABN 95 087 822 455) ("Cuscal").

Your access to, use of, linking to the Website, downloading information or PDF files on the Website (collectively, your Access) is conditional on your acceptance and compliance without alteration of the Terms set out on this page, and elsewhere on the Website. By continuing to access the Website you are agreeing to the Terms.

Cuscal reserves the right to amend the Terms at any time, without further notice to you. These Terms or any modifications thereto constitute an agreement between you and Cuscal.

Intellectual Property Rights
You may use this Website only for your personal and non-commercial purposes. Except to the extent permitted by relevant copyright legislation, you must not use, copy, modify, transmit, store, publish or distribute the material on this Website, or create any other material using material on this website, without obtaining the prior written permission of Cuscal.

Trade marks (whether registered or unregistered) and logos must not be used or modified in any way without obtaining the prior written consent of Cuscal.

The Website, products, technology and processes contained in this Website may be the subject of other intellectual property rights owned by Cuscal or by third parties. No licence is granted in respect of those intellectual property rights other than as set out in these Terms. Your use of this Website must not in any way infringe the intellectual property rights of any person.

The material on the Website is copyright © Cuscal.

Advice Disclaimer
Any advice provided on this website has been provided without any consideration of your objectives, financial situation or needs. Before acting on any advice provided on this website, you should consider its appropriateness to your circumstances and you should obtain and read a copy of any associated disclosure documents before acquiring any products (this includes Product Disclosure Statements, Financial Services Guides, Terms and Conditions, or other documents as applicable to different products).

External Sites
This Website may contain links to web sites of third parties ("third party sites"). Cuscal is not required to maintain or update the links.

Links to third party sites should not be construed as any endorsement, approval, recommendation or preference by Cuscal of the owners or operators of the third party sites, or for any information, products or services referred to on the third party sites unless expressly indicated on this Website.

Cuscal makes no warranties and accepts no liability in relation to material contained on third party sites.

No data transmission over the internet can be guaranteed as totally secure. Whilst we strive to protect such information we do not warrant and cannot ensure the security of any information which you transmit to us or of any information provided on the Website. Accordingly any information which you transmit to us is transmitted at your own risk. Nevertheless, once we receive your transmission we will take reasonable steps to preserve the security of your information.

This Website currently does not use cookies although cookies could be used in the future and are currently used on some linked sites. Cookies are a standard for storing small pieces of non-personal data to assist in delivering services and managing user requests. Hence please enable the use of cookies on your browser.

Warranties and Limitation of Liability
Cuscal provides general information in this Website (including booklets, statistics and articles) for public access. The information is not specifically written to any one purpose or group of people and must not be relied upon without seeking independent legal, accounting or business advice. All information on this Website is subject to change without notice. Whilst every care has been taken in the preparation of materials and information posted onto this Website, Cuscal does not warrant expressly or impliedly the accuracy or fit for purpose of any information contained herein and Cuscal disclaims and the reader expressly releases Cuscal from any liability whatsoever and howsoever incurred by the reader as a consequence of his or her reliance on information contained in this site.

Without limiting the above, except where to do so would cause any part of these Terms to be illegal, void or unenforceable, Cuscal:

  • Excludes all conditions, statutory guarantees  and warranties implied into these Terms;
  • To the fullest extent permitted by applicable law, is not liable to you or anyone else for any loss or damage, however caused, which may be directly or indirectly suffered in connection with the use of this Website; and
  • Excludes liability (whether that liability arises under contract, tort (including negligence) or statute) for any special, indirect or consequential loss or damage (including without limitation loss of revenue and loss of, or damage to, data) suffered or incurred in connection with this Website.

Cuscal undertakes to comply with the terms of its Privacy Policy. Visitors to the website are encouraged to read this policy.

These Terms are governed by the laws in force in New South Wales, Australia and you submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts which may hear appeals from those courts in connection with any proceedings in connection with these Terms or this Website.