City Pacific Finance
The citypacfinance.com.au website and database (and any other components of those things that are necessary for the citypacfinance.com.au website to remain fully functional ("the Website") is owned and operated by City Pacific Finance (Aust) Pty Ltd ACN 103 172 890 (referred to us "we", "us" and "our") on the World Wide Web ("WWW").
The material on the Website is copyright © 2005 to us, and we own the trademark "City Pacific Finance". We reserve all intellectual property rights, including, but not limited to, copyright in material and/or services provided by the Website. The material provided on the Website may not, without our prior written consent, be:
We reserve the right to change these Terms of Access as we see fit and without notice or justification to you. By accessing the Website you are agreeing to these Terms of Access.
You may not use the Website, or the material contained on it, for any unlawful purpose. This includes:
The above are unlawful in any jurisdiction and are specifically prohibited by these Terms of Access. Notwithstanding the above restrictions on use of the material on the Website, you may download material from the Website for your personal non-commercial use provided you do not remove any copyright and trade mark notices contained on the material.
You may not modify or copy:
The Website contains links to sites on the WWW owned and operated by third parties and which are not under our control. In relation to other sites on the WWW which are linked to the Website, we:
By uploading any material which is intellectual property including, but not limited to, copyrighted works, trade marks and service marks (the "intellectual property") on to the Website, you are granting us a perpetual, non-exclusive and payment-free licence throughout the world to:
We may gather and process the information:
We will not give the above information to others without your express permission, and we will not authorise others to offer you goods and services using the information acquired through (a) and (b) above without your express written permission.
We may remove any material and/or information included on the Website, including but not limited to links to other sites on the WWW, at any time without giving any explanation or justification for removing the material and/or information.
We may terminate access to the Website at any time without giving any explanation or justification for the termination of access, and we are not liable for any costs, losses or damages of any kind arising as a consequence of terminating access to the Website.
We have no liability for any costs, losses or damages of any kind, which you may incur, arising whether directly or indirectly. This applies in relation to or in connection with any material and/or information supplied in respect of advertising on the Website; and as a consequence of removing any material and/or information from the Website.
You will at all times indemnify and keep us indemnified from and against any loss (including reasonable legal costs and expenses) or liability incurred by us arising from any claim, demand, suit, action or proceeding by any person against us where such loss or liability arose out of, in connection with or in respect of any breach of these Terms of Access by you; and publication of or distribution of the material and/or information supplied by you.
If any part of these Terms of Access is found to be void, unlawful, or unenforceable then that part will be deemed to be severable from the balance of these Terms of Access and the severed part will not affect the validity and enforceability of any remaining provisions.
These Terms of Access will be governed by and interpreted in accordance with the laws of the State of Queensland, Australia without giving effect to any principles of conflicts of laws. You agree to the jurisdiction of the courts of the State of Queensland, Australia to determine any dispute arising out of these Terms of Access.
Should interest rates be illustrated within the website it is important to understand that they are indicative only, are correct at time of writing and may be amended by the lender without prior notice (E.O.E). Terms, conditions and minimum loan amounts apply. Full terms and conditions will be provided in the loan offer. Applications for finance are subject to the lending institutions normal credit approval. This website does not constitute a loan offer or confirmation that the interest rate or product will be offered. This is not an advertisement. We will provide full details of the Comparison Rate prior to you making an application for finance. Care should be taken if using a comparison rate as it is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. We are assisting you with your loan arrangements only and no other aspect of your financial situation is being reviewed. Legal advice should be sought in respect of the purchase of property. You should also seek the advice of your accountant if you require the debt to be tax deductible to ensure that the structuring of the loan falls within current Australian Tax Office guidelines. You should consider insurance to protect your financial situation in the event of illness, injury or death as the loss of an income may affect your ability to repay the debt.
