Terms & Conditions of use

Please read these terms and conditions with care – by viewing any of Intellichoice's websites, and/or using any of Intellichoice's online services, you agree to be bound by the following terms and conditions ('Terms'). If you do not accept any of these terms, please discontinue your access to the Intellichoice site and online services. We may at any time revise these terms by updating this version. By using Intellichoice's website(s) and/or online services, you agree to be bound by any such revisions. Please therefore visit this web page periodically to determine any changes to these terms.

Copyright & Trademark

Unless otherwise expressly stated, all copyrights, trademarks, trade names, logos, service marks and other intellectual property or proprietary rights in the contents (including, but not limited to, all information, text, sound, music, software, photographs, videos, graphics, data, messages and materials) on Intellichoice's websites are the property of Intellichoice Financial Services Pty Ltd., its affiliates and/or third party licensors. You may view and use these contents for personal and non-commercial purposes only.

These contents may not be reproduced, distributed, transmitted, published, displayed, broadcast, stored, adapted, licensed, altered, hyperlinked or otherwise used in any manner or by any means without Intellichoice's prior written consent. You may not, without Intellichoice's prior written consent, insert a hyperlink to Intellichoice's websites (or any part thereof) on any other website or "mirror" or frame any content contained on Intellichoice's websites on any other server or website.

No license or right is granted to you and your access to Intellichoice's website (s) and/or use of Intellichoice's online services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use the trademarks, trade names, logos or service marks appearing on such websites without Intellichoice's prior written consent. You may not, without Intellichoice's prior written consent, use any of such trademarks, trade names, logos or service marks as a hyperlink to any Intellichoice's website or any other website.

Disclaimer
All contents contained in or accessed through Intellichoice's websites and/or online services are provided on an "as is" and "as available" basis and you agree that you use them at your sole risk. We expressly disclaim all warranties of any kind, whether express or implied, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose and non-infringement, to the fullest extent allowed by law.

Without prejudice to the foregoing, we make no warranty as to the accuracy, reliability or quality of any content obtained through Intellichoice's websites and/or online services or any defects therein will be corrected and that such content and access to them are error free and uninterrupted or available at all times.

Changes or updates to the content of this site may occur without notice.

You agree that:
1. All content transmitted or made available via Intellichoice's websites and/or online services, are the sole responsibility of the person from which such content originated;
2. Intellichoice will not be liable in any way for any third party content, products or services which you may access, use or acquire via Intellichoice's website and/or online services;
3. You are solely responsible for all content that you transmit or make available via Intellichoice's websites, online services or on any website;
4. Intellichoice does not control any third party content, products or services which you may access, use or acquire through Intellichoice's websites and/or online services. Further, Intellichoice do not endorse or guarantee the accuracy, reliability, integrity, legality or quality of such content, products or services;
5. By using Intellichoice's websites and/or online services, you may be exposed to third party content that may be defamatory, offensive, indecent, objectionable or illegal;
6. Intellichoice may, at its discretion, remove or modify any content (which you transmit or make available via Intellichoice's website and/or online services or on any website) that may be defamatory, offensive, indecent, objectionable or illegal or may have infringed any party's intellectual property rights without notice to you;
7. Intellichoice may, at its discretion, deny access to or remove any third party content, products or services that may be defamatory, offensive, indecent or objectionable or illegal or may have infringed any party's intellectual property rights, without notice to you; and
8. Without prejudice or paragraph (7) above, Intellichoice may, at its discretion, remove, modify, suspend or terminate any third party content, products or services which you may access, use or acquire via Intellichoice's website and/or online services without notice to you, and Intellichoice will not be liable to you or any third party under any of paragraphs (1) to (7) above.
9. In addition, Intellichoice will not be liable in any way if you encounter any problems with the goods and services that you obtain from the advertisers or any third parties on Intellichoice's websites or through Intellichoice's online services. Intellichoice assumes no liability or responsibility for the acts or defaults of such advertisers or third parties or for any non-delivery, non-performance or defects in any such goods and services.

Intellichoice's websites may also include hyperlinks to websites which are owned or operated by third parties. Such third party websites are not under our control. Intellichoice cannot accept responsibility for the contents of or the consequences of accessing any such third party websites or any link contained in such websites. The hyperlinks found in Intellichoice's website shall not be construed as an endorsement or verification of such third party websites or the contents found therein by Intellichoice.

You agree that your access to and/or use of such third party websites is at your sole risk and subject to these terms and conditions of access and/or use of such third party websites.

Under no circumstances will Intellichoice be liable to you or any third party for any claims, damages, losses, expenses, costs or liabilities (including without limitation, any direct, indirect, punitive, special, incidental or consequential damages, loss or profits or loss of opportunity) arising from your access and/or use of any of Intellichoice's website or online services, even if Intellichoice has been informed about the possibility of such damages.

Some services offered on Intellichoice's websites are provided via a secure server. All orders placed and information provided by you are provided to us via the secure server software ("SSL"). The SSL encrypts all information provided by you before they are sent to us. Further, all personal data we collect is subject to our Privacy Policy as set herein.
By clicking on the "Submit", "I Accept" or similar buttons, you indicate your acceptance and confirmation of your order (s) and information provided to us and you shall be liable for any payment, if any, incurred by you arising out of such order (s) or information.

Privacy
Intellichoice takes the issue of your privacy seriously. Generally, you can visit our website without telling us who you are or revealing any information about yourself. However, there are services offered on our website whereby you may subscribe to by providing to us your personal information as requested.

Personal information refers to all and any information relating to you obtained by us in the course of and as a result of the provision of the services by us. Such personal information includes your name, mailing address, phone number and email address. We may use your personal information for the purposes of: planning, provisioning, and billing for services; managing bad debt and preventing fraud; facilitating interconnection and inter-operability between service providers; rendering assistance to law enforcement, governmental or regulatory agencies; or complying with any applicable laws or any order of court.

With your consent, we may also use your personal information for other lawful purposes, including without limitation, research; customer benefits and retention programme; to support your customer relationship with us.

Please do not send us any confidential or proprietary information via the Internet. Any information (including feedback, data, comments, suggestions, ideas or the like) that Intellichoice receives through its websites, other than your personal information, will be regarded as non-confidential. Intellichoice may from time to time conduct online surveys and request for information about your interests your views about specific matters in an effort to improve its services to you. You may choose not to respond. By sending to Intellichoice's non-personal information via our website or through any other electronic means, you grant to Intellichoice an unrestricted, irrevocable license to use, reproduce, display, modify, perform and distribute such non-personal information in any manner and for any purpose as Intellichoice shall deem fit.

Governing Law
By assessing Intellichoice's website and online services, you agree that such access and/or use, as well as these Terms shall be governed by, and construed in accordance with Australian laws and you agree to submit to the exclusive jurisdiction of the Australian courts.

General Terms
No failure or delay by Intellichoice to exercise or enforce any of its rights under these Terms will operate as a waiver of such rights nor will such failure or delay in way prejudice or affect its right at any time thereafter to act strictly in accordance with our rights under the Terms.

The use of Intellichoice's services is also subject to Intellichoice's Terms and Conditions for info-communications services and such other terms and conditions as may be agreed or accepted by you (collectively " Intellichoice's Terms and Conditions"). If there is any conflict or inconsistency between any of Intellichoice's Terms and Conditions and any of these Terms, such conflict or inconsistency will be resolved in a manner most favorable to Intellichoice. However, if such conflict or inconsistency cannot be so resolved, Intellichoice's Terms and Conditions will prevail over these Terms.

Intellichoice respects the intellectual property rights and privacy of others. If you believe that that your intellectual property rights have been violated or you have any queries regarding these Terms, please write to us at: PO Box 232, Wilston, QLD, Australia 4051