These Website Terms of Use explain to you the terms and conditions that apply to the following website operated by and on behalf of Equity Mortgage Specialists Pty Ltd trading as Your Home Equity (ABN 57 649 344 212), Corporate Credit Representative of QED Services Pty Ltd trading as Pursuit Broker Services (ACN 147 272 295), Australian Credit Licence 387856 and its related bodies corporate.
Please read these Terms of Use, the Privacy Statement and the Credit Guide carefully before using this website. By accessing this website, you acknowledge that you have read the Terms of Use, the Privacy Statement and the Credit Guide and you agree to be bound by these terms and conditions, including as amended from time to time.
Location of use of this website
This website is provided for use by Australian residents only. All products and services referenced on this website are only available in Australia.
General Information
The content of this website is general information only and does not form part of the terms and conditions for any credit product. Your personal situation and needs have not been taken into account and we recommend you seek professional advice before making any decision in relation to a credit product. We do not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. The information on this website may change without notice. If you act on any information on this website, you do so at your own risk.
Nothing in this website constitutes an offer to enter into a legally binding contract or transaction. All applications for credit are subject to our eligibility criteria and will be assessed on an individual basis. All credit products are subject to their own specific terms and conditions, including fees, charges and interest rates, which are subject to change.
Calculators
Any calculator on this website generates an estimate only and does not constitute an offer of credit, a quote or loan approval. Calculators are based on the information you have input and do not take into account your full circumstances, product features, or fees that may be payable. You should not rely on our calculator to make a decision in relation to a credit product.
Copyright
The content of this website is protected by copyright.
Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this website may be otherwise reproduced, adapted, or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording or otherwise) without our specific written consent.
Links to third party sites
Our website may contain links to external websites operated by third parties. We provide such links for your convenience only and by accessing those external websites, you agree to any terms and conditions imposed by those third parties on the use of their websites. We do not endorse any material on an external website, and we do not provide any warranty or accept responsibility in relation to the security, accuracy, currency, reliability or correctness of the information on those sites. To the extent permitted by law, we are not responsible or liable in any way for your use of a third-party website or any product or service you obtain from such a website.
Limitation of liability
To the extent permitted by law, we exclude liability for any loss, damage, cost or expense, whether direct or indirect, arising out of or incurred in any way relating to the use of this website or any of its content whether in contract, tort (including negligence), statute or otherwise.
Our liability for any breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:
- the supply of the goods or services again;
- the repair of the goods; or
- the payment of the cost of having the goods or services supplied again or repaired.
Security
Whilst we will take reasonable steps to protect our website, we make no warranty that our website is secure, and that any data transmission will be uninterrupted and free from viruses, malware, misuse, loss or unauthorised access.
Cookies
When you use our website, we may collect personal information about you. We will collect information about you in accordance with our Privacy Statement.
In addition, we use cookies on our website. A cookie is a small text file placed on your device by our web page sever and which we can later access. You can change how your device responds to cookies, including by turning them off, in the options section of your internet browser.
We use cookies to help us improve our website and service offering. Cookies allow us to:
- Allocate a unique number to your internet browser;
- Determine if you have visited our website before; and
- Identify which pages you have visited.
We also use cookies for security, personalisation and statistical purposes.
Applicable law
The use of our website and the Terms of Use are governed by the laws of Western Australia.