Terms of Use and Disclaimer

This internet website www.homeloandepot.com.au (“this website”) is owned and operated by
Boston Liberty Pty Ltd ACN 128407974 trading as Home Loan Depot (“Home Loan Depot”, “us”,
“our” or “we”). You must not access or use this Website unless you agree to be bound
by the terms and conditions as set out in the Terms of Use and Disclaimer, Home Loan Depot’s
Privacy Policy (which is available on this website) and any other terms and conditions,
disclaimers or notices contained on this website (collectively referred to as “the Terms and
Conditions”). If you do not agree to the Terms and Conditions you must not use, access or
browse this website. By accessing the information and materialon this website you agree to
be bound by the Terms and Conditions of this agreement.

Accuracy of Information
The information on this website is general in nature and does not take into account
anyone’s particular circumstances, needs and objectives. You should obtain
professional financial and legal advice before applying for any home loan or any other
financial product or service. In addition, before purchasing any real estate you should
seek similar professional advice.

Stock photos of individuals or groups of people may be used on this website, and may
not represent actual people endorsing the services or products on this website, or
represent people working for the company that owns and operates this website.

Home Loan Depot does not guarantee the accuracy, reliability or completeness of the information on this website. We provide no representations or warranties, express or implied, in relation to this information or to the functionality of this website. In addition,
we accept no responsibility for the accuracy of the information provided, and the use of such information is entirely at your own risk.

Financial Advice
The information on this website is general information only and is not intended to constitute any financial advice, legal advice, or product recommendation, and should not be relied upon as such. This information does not take into account anyone’s particular financial circumstances, needs, objectives or appropriateness for a particular purpose, nor does it claim to be comprehensive. Before making any financial decisions based on the information on this website, you should consider whether the information, products or services are appropriate for your needs. You should obtain professional financial and legal advice before applying for any home loan or any other financial product or service. In addition, you should consult with your financial advisor and solicitor before purchasing any real estate.

Any financial products or services that are advertised via this website, which may include the services such as those provided by a mortgage broker, mortgage consultant or any other financial services provider, is merely an invitation to exchange information so that we or the relevant mortgage broker, mortgage consultant, lender, etc. may determine if it is of mutual benefit for you to do business with us.

Disclaimer
To the full extent permitted by law, Home Loan Depot, its directors, employees, consultants, contractors, officers, agents, associates and where applicable, a third party provider such as a bank or financial services intermediary, exclude all liability (whether arising in contract, negligence, tort or otherwise) for loss or damage, including any direct, indirect, incidental, special, punitive or consequential loss or damage or expense arising out of the use or reliance on any information on this website or on any other hyperlinked website, third party pages or any site of which it forms a part, and including without any limitation, any loss of any profits, revenue, loss of data, goodwill, savings, contracts, whether or not caused by any negligent act or omission, even if we have been expressly advised of its possible existence. Any diagram, calculation or illustration on this website, are examples and are to be used for illustrative purposes only. We make no warranties about the reliability of this website, or that your use and access to this website will be uninterrupted or error free, or that the information on this website will be up to date. To the extent that the liability of Home Loan Depot cannot be excluded , the liability of Home Loan Depot will be limited to the resupply of the relevant information. You agree to indemnify and keep Home Loan Depot indemnified fully against all liabilities, claims, damages, costs and losses, which we may incur to a third party as a result of your breach of the provisions of the Terms and Conditions.

Our Privacy Policy
We respect the privacy of your personal information and understand that it is very important to you. We recognise the importance of protecting this information and therefore do so in accordance with the National Privacy Principles contained in the Privacy Act 1988 (Cth). For details on the collection, use, disclosure of your personal information by Home Loan Depot when you use this website, kindly read our Privacy Policy which is available on this website. In addition, our Privacy Policy also covers matters such as personal information security, access, quality, and accuracy. For access to our Privacy Policy CLICK HERE.

Links to third party sites
Websites other than our website are known as third party websites or other websites, and are owned, hosted and operated by third parties. Other websites may link to this website, and this website may link to other websites. You accept that some other websites that we link to can be located overseas and may not have in place equivalent privacy policies. Home Loan Depot provides hyperlinks (“links”) to other websites for your information, convenience and reference. We do not have any control over these websites and cannot be responsible for their content or functionality. Any links from our website to other websites do not imply any endorsement, recommendation or approval of those websites, or of any of the products or services offered by them, nor does it imply an association with the operators of those websites. Should you decide to follow hyperlinks to other websites, third party pages, or any other website of which it forms a part, it will be entirely at your own risk. Home Loan Depot accepts no liability in regard to the content of and information on other websites, nor do we provide any warranties as to content and functionality of any third party website pages, or of any other website of which it forms a part. You would need to make direct contact with these other websites in order to ascertain their terms of use and their privacy policy, and whether it is suitable for your needs.

You must first obtain our written permission to link by way of hyperlinks to our website.

Intellectual Property Rights
This website and the material and information contained in herein is protected by Australian Copyright, international treaties and other applicable copyright laws. Any of the material, information or concepts displayed on this website, including but not limited to logos and names, whether unregistered or registered, may only be used for your personal use, and may not be altered, modified, framed, distributed, reproduced, published, sold, or transmitted to any other person or entity ,without the express written consent of Home Loan Depot, which reserves all rights. The information may only be reproduced in hard copy for your personal use. The copyright of the information belongs to Home Loan Depot, to the extent that Home Loan Depot compiles information and displays this information in a unique form. A trademark, name or logo of a third party which appears on this site may not be infringed.

Cookies
Home Loan Deport does not use cookies to collect any information from you through this website.

Waiver
Any neglect or failure by Home Loan Depot to enforce any of the provisions of the Terms and Conditions shall not be construed or deemed to be a waiver of the rights of Home Loan Depot under the Terms and Conditions.

Governing Law
The Terms and Conditions of this agreement are governed by and are to be construed in accordance with the laws applicable in the State of New South Wales, Australia. You unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales in relation to any proceedings in connection with this website or the Terms and Conditions. If for any reason any term or provision of this agreement is rendered void or unenforceable in a court of law, then this agreement is to be read as if that particular term or provision had not been included, and the remainder of this agreement will continue in full force and effect.

Changes to these terms and conditions
We reserve the right to vary, amend, add, delete or make corrections to this website, including to any of the Terms and Conditions, at any time and without any notice by publishing the varied Terms and Conditions on this website. You accept that by doing this Home Loan Depot has provided you with sufficient notice of the variation and amendment. It is your responsibility to revisit this site to check if any terms and conditions have changed.