Terms of Use


Terms of Use

Terms of Use – Equity Resource Pty Ltd and MasterMortgageBrokerSydney.com.au
Equity Resource Pty Ltd (ABN 27 095 227 553) in Baulkham Hills, Sydney, Australia

Equity Resource Pty Ltd (ABN 27 095 227 553) in Baulkham Hills, Sydney, Australia (Equity Resource) owns this internet web site with the domain name www.MasterMortgageBrokerSydney.com.au Your access to this internet site is subject to these terms and conditions, the Privacy Policy, notices, disclaimers and any other terms and conditions or other statements contained on this internet site (referred to collectively as Terms of Use).

By using this internet site you agree to be subject to the Terms of Use.
The information on this internet site is subject to change without notice and, accordingly, Equity Resource recommends that you make direct contact with Equity Resource staff before acting upon information on this internet site.

The information on this internet site is directed and available to residents of Australia mainly, and is not an offer or solicitation for acquiring finance, real property, financial products or any other investment or services outside Australia. While Equity Resource provides the information on this internet site in good faith, it accepts no responsibility for the accuracy, completeness or timeliness of the information.

Legal Relations, Regulations and Dispute Resolution
Equity Resource is a member of Mortgage Finance Association of Australia (MFAA) and Finsure Finance & Insurance (Finsure)and Patron Financial Advice (PFA). Equity Resource follows the MFAA Code of Conduct and the Professional Standards of PFA and Finsure. Please ask Equity Resource or any of the other named entities for a copy of the respective Code of Conduct.

Equity Resource intends that there is no legal obligation on your part, and no liability to you, until you sign a written contract with Equity Resource (subject to any liability which by law cannot be excluded).

Equity Resource is an Authorised Credit Representative under Finsure as a Mortgage Broker and an Authorised Representative of Patron Financial Advice (AFSL 307379) as a Financial Planner in the relevant jurisdictions in Australia.

Equity Resource does not provide specific tax or legal advice nor is it a licensed real estate agent, conveyancer, valuer or other financial services provider.

Equity Resource does not act as agent for any person on a real estate transaction or for the introduction, or arranging for the introduction, of a prospective purchaser of land.

Equity Resource does not collect rents payable in respect of any lease of land or otherwise provide services for managing leased or owned land. Equity Resource does not accept deposits for expressions of interest in land or other property or contracts for their purchase.

Equity Resource provides investment property strategic advice in relation to direct real property investment and, when selected, related mortgage portfolio management or financial planning services.

Equity Resource strongly recommends you obtain appropriate property, legal and tax advice from licensed advisers or agents before making any decision to acquire or to deal with any investment.

If Equity Resource refers or introduces you to one or more advisers, that referral or introduction is without liability to you and is only on the basis of assisting you with information about potential service providers.

You remain wholly responsible for selecting, engaging and monitoring the services of any adviser to you. Any fees payable by the service provider to Equity Resource for referring you to them will be disclosed to you.

If you have a complaint or dispute about the services or conduct of Equity Resource (including its staff), please first contact that staff member. If the matter cannot be resolved to your satisfaction, please put all relevant details in writing and send that to the Managing Director of Equity Resource.

We will acknowledge receipt of your letter as soon as possible and try to discuss with you within 21 days (subject to your availability and the information you provide) how to resolve your dispute.

If it cannot be resolved satisfactorily within that time, we will provide the general reasons for that outcome and whether we believe the complaint or dispute is one to which the Dispute Resolution Service (DRS) of the MFAA will apply and information as to the availability of, and how to refer a dispute to, the DRS.

If the DRS does not apply or is unable to achieve a satisfactory conclusion we will inform you of any Alternative Dispute Resolution Scheme that we are a member of and may be available to investigate the complaint or dispute.

For complaints relating to Financial Planning advice we will follow the complaints resolution process as published in the Financial Services Guide.

Internet links
This internet site may contain links to other internet sites operated by persons which do not belong to or are not associates of Equity Resource. These links have been provided solely for you to obtain further information about other relevant opportunities, information and entities in the market.

Equity Resource has no control over the information on those internet sites or the products or services mentioned on them, and therefore makes no representations or assurances regarding the accuracy or suitability of the information, services, or products described on them.

You are advised to make your own enquiries in relation to third parties described or linked on this internet site. Inclusion of a link to a third party site should not be construed as that party’s endorsement of this internet site.

By linking to sites operated by third parties, Equity Resource is not authorising the reproduction of any material on such sites, since such material may be the subject of another person’s intellectual property rights.

Copyright and Trademarks
The Equity Resource name as well as the Equity Resource Financial Planning name and the www.MasterMortgageBrokerSydney.com.au name and all its associated trademarks are trademarks of Equity Resource. Any other trademarks appearing on this internet site are the trademarks of the relevant owners.

You must not use any trademarks that appear on this internet site without the written consent of the trademark owner.

All materials and information on this internet site including without limitation any logo, design, text, graphic and their arrangement (Content) are licensed to or owned by Equity Resource.

Unless we indicate otherwise you must not copy, distribute, republish, download, display, post or transmit the Content in any form or by any means including but not limited to electronic, mechanical or otherwise without our prior permission or the written permission of the copyright owner. You may access and use the Content and this internet site for your own personal use only.

Unless expressly permitted otherwise, you must not do anything to alter, modify or add to the Content.

You acknowledge and agree that if you contribute Content to this internet site, such Content will become our property and you hereby assign all rights, title and interests in and to such contributions to us.

We reserve the right to remove any Content from this internet site at any time, for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if we are concerned that you may have breached the immediately preceding sentence), or for no reason at all.

Any comments or materials sent to us through this internet site including feedback data, questions, comments and suggestions (collectively Feedback), will be deemed to be non-confidential. We have no obligation of any kind with respect to such Feedback and will be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation.

Further, we will be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatever, including but not limited to developing, manufacturing and marketing products and services incorporating such Feedback.

No personal financial services or property valuation advice provided to you
This internet site is not intended or designed for the purpose of providing personal financial services advice or property valuation advice.

Information provided does not take into account your particular goals and objectives, financial situation, risk profile or needs. Advice on this website is general advice only.

You should assess whether the information on this internet site is appropriate to your particular goals & objectives, financial situation, risk profile and needs. You should do this before making a decision on the basis of the information on this internet site.

You can either make this assessment yourself or seek the assistance of any licensed adviser, such as a financial planner or, in respect of real property, a licensed real estate agent or property valuer.

Unless otherwise expressly stated to the contrary, the information on this internet site is not a recommendation to invest in any particular property nor in financial products offered by Equity Resource or any other person.

Equity Resource does not assure or guarantee that we can obtain any particular loan or mortgage, the performance of any mortgage application we submit on your behalf is subject to the chosen lenders terms, conditions and policies.

Any investments such as property that we may recommend to you  are subject to investment and other risks which are outside the scope of these terms.

The risks could involve, for example, delays in liquidating assets, payment of adviser and agent fees, selling in markets with fewer willing buyers, failed settlements of contract sales, reduced tenancy, which can lead to loss of income or capital invested.

Software applications accessible from this internet site
Some of the software programs that may be downloaded via links from this internet site are products or services belonging to third parties. You use such third party software at your own risk. Such software is likely to be subject to licensing terms imposed by the owner or licensee of the software.

To the full extent permitted by law, Equity Resource excludes all liability in relation to using or downloading any software (third party or otherwise) that may be accessed from this internet site.

Equity Resource makes no representations and provides no warranties in relation to such software. In particular, to the full extent permitted by law, Equity Resource excludes all liability for any damage (including, without limitation, loss of data, interruption to business and loss of profits) resulting from viruses or any other consequence of using or downloading any software (third party or otherwise) accessible via this internet site.

Third party offers
This internet site may contain references to other special offers or promotions by persons who are not associates of Equity Resource. Subject to any applicable law which cannot be excluded, Equity Resource makes no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from these persons.

Your obtaining of goods or services from these persons is at your own risk. You indemnify Equity Resource against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in this internet site.

User conduct
You are responsible for all of your activity in connection with accessing this internet site. Any fraudulent, abusive, or otherwise illegal or objectionable activity may be grounds for termination of your access to this internet site. You may not post or transmit, or cause to be posted or transmitted, any communication or solicitation designed or intended to obtain personal data from any internet site user.

In accessing this internet site, you must not

• disrupt or interfere with this internet site, or any services, system resources, accounts, servers or networks connected to or accessible through this internet site or linked internet sites;

• disrupt or interfere with any other user’s enjoyment of this internet site or linked internet sites;

• use any robot, spider, other automatic device or manual process to monitor, copy or extract any internet pages on this internet site, or any of the Content, without our prior written permission;

• take any action that imposes an unreasonable or disproportionately large load on the infrastructure of this internet site;

• reverse engineer, reverse assemble or otherwise attempt to discover source code or other arithmetical formula in respect of the software underlying the infrastructure and processes associated with this internet site;

• use this internet site to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including material that are deemed threatening or obscene;

• engage in any kind of illegal, criminal or tortious activity through the use of this internet site, including infringement of any third party intellectual property rights (including without limitation copyright, trademarks, patent, trade secrets and confidential information), fraud, child pornography, trafficking in obscene material, violation of applicable export restrictions, drug dealing, gambling, harassment, stalking, spamming, hacking, sending of viruses or other harmful files, or illegal posting of computer passwords or computer code;

• attempt to obtain unauthorised access to this internet site or parts of this internet site that are not opened to public access; or

• post or transmit to or via.

If we issue you with a password that permits you to access certain parts of this internet site, you are solely responsible for any use of this internet site through such access, whether authorised or not.

You must comply with all applicable local, state, national and international laws and regulations that relate to your use of or activities on this internet site. We reserve the right to report potentially criminal activity to appropriate law enforcement agencies.

Disclaimer and limitation of liability
The Content and this internet site are provided “as is” and “as available”. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, or non-infringement.

We do not warrant that this internet site or the server that operates it is free from viruses or other corrupted materials or occasional outages or disruption to service which prevent you from accessing this internet site or that use of this internet site will be compatible with the hardware and software you are using to access it.

You assume the entire cost of all necessary servicing, repair, or correction. We do not warrant or make any representations regarding the use or the results of the use of the Content or this internet site in terms of their correctness, accuracy, currency, reliability, or otherwise. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you.

We may make any change to the Content without notice. We may also make improvements or changes in the services, information, products or programs described in the Content at any time without notice. For example, changes in circumstances after the date of publication may impact upon the accuracy of the Content.

This internet site may include information about home loans/mortgages and associated interest rates, fees and charges. The information made available about mortgages on this internet site does not necessarily reflect the final interest rate, fees and charges of the loan or that any particular loan is actually available at the time you might wish to apply for it.

Images and diagrams on this internet site are intended to be a visual aid only and do not necessarily accurately depict the object or performance described.

Your use of this internet site including all Content, data or software distributed by, downloaded or accessed from or through this internet site is at your own risk. Before taking or refraining from any action in reliance on the Content or this internet site, you must make and rely on your own enquiries in relation to, and in evaluation of, the Content including any information, predictions, opinions and statements contained in this internet site.

To the maximum extent permitted by law, Equity Resource will not be liable in any way for any loss or damage suffered by you through use or access to this internet site, or Equity Resource’s failure to provide this internet site. Our liability for negligence, breach of duty or contract or contravention of any law as a result of our failure to provide this internet site or any part of it, or for any problems with this internet site, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to re-supplying this internet site or any part of it to you, or to paying for the re-supply of this internet site or any part of it to you.

Nothing in these terms and conditions is intended to exclude, restrict or modify rights which you may have under the Trade Practices Act or any other legislation which may not be excluded, restricted or modified by agreement.

Privacy
Equity Resource treats personal data with respect and integrity. Our Privacy Policy is applicable to this internet site and explains how personal data will be treated as you access and interact with this internet site.

Indemnity
You agree forever to indemnify and hold us (and our related bodies corporate and their respective directors, officers, employees, agents, advisers and contractors) harmless from any claim, action, demand, loss or damages, liabilities and expenses (including but not limited to legal costs and defence or settlement costs) of whatever kind, whether direct, indirect or consequential, reasonably foreseeable or not, made or incurred by any third party arising out of or relating to your conduct (including transmitting any defamatory, derogatory or offensive statements or material to any person), your use of this internet site, your reliance on any part of it or the Content, your breach of these Terms of Use or your breach of any rights of third parties.

Termination and suspension
We may, without notice and in our sole and absolute discretion, discontinue, suspend or terminate any service offered by or through this internet site as well as this internet site at any time. For example, if your server is involved in any attack on any computer system, either with or without your knowledge or complicity, that server may be blocked or its access to this internet site may be shut down or restricted while the problem is being investigated or fixed. All provisions of these Terms of Use which by their nature should survive termination will survive termination, including, without limitation, ownership provisions, disclaimers, indemnities and limitations of liability.

Severability
If any part of these Terms of Use is deemed to be unlawful void or for any reason unenforceable then that provision may be severed from these Terms of Use and it will not affect the validity and enforceability of the remaining provisions. This clause has no effect if the severance alters the basic nature of the Terms of Use or is contrary to public policy.

Waiver
No waiver by us of our rights under these Terms of Use will be deemed to be a waiver of any other term or provision and will be limited to a single waiver limited to the specific circumstances under which such waiver was granted.

General conditions
These Terms of Use are governed by the law in force in the State of New South Wales, Australia and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms of Use.

These Terms of Use can be modified at any time by Equity Resource and you agree to continue to be bound by these Terms of Use as modified. We will make these changes by publishing revised Terms of Use on this internet site – we will not separately notify you of these changes.
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If you have any questions at all about our website, please don’t hesitate to contact us by using this link:

Contact Us

Equity Resource Pty
P O Box 8056
Baulkham Hills BC
NSW 2155
Australia

(t) 02 8861 1689
(f) 02 8861 1717
(e) info@equityresource.com.au

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