Conditions Of Use


Advantedge* operates this website, These Conditions of Use, together with any other terms, notices or disclaimers contained elsewhere on this website, govern the information on, use of and access to this website. By accessing this website, you agree to be bound by these Conditions of Use and any modifications of them.

Information and accuracy

Information provided on this website is:

of a general nature and does not take into account individual circumstances, financial needs or objectives;
not intended to be investment advice nor a recommendation or statement of opinion about any particular financial product or class of financial products. As a result, it should not be relied upon in acquiring any product or service offered by Advantedge or any other party; and
is provided in good faith and derived from sources believed to be accurate and current at the date of publication. Advantedge does not guarantee the accuracy, adequacy or completeness of information on this website or that this information is otherwise free from error, omission or other defect. Advantedge reserves the right to change any information provided on this website without notice.
Advantedge does not guarantee that your use of this website will be uninterrupted, timely or secure.

Advantedge Product Information

Some products and services referred to on this website are issued or provided by persons other than Advantedge, are provided through third-party distributors. The product issuer or distributor is usually identified in the relevant product disclosure statement, prospectus or other disclosure document.

Each Advantedge product has its own unique features and risks, which include fluctuating interest rates on variable rate loan products. You should always consider whether or not a particular Advantedge product or service is appropriate for you, in particular you should:
understand the features and risks;
seek independent advice (eg accountant, lawyer); and
read the relevant product disclosure statement, prospectus or other offer document relevant to the Advantedge product.
Any reference to past interest rates, performance or costs of a product or service is intended for general illustrative purposes only and is not an indicator of future interest rates, performance or costs for that product.

Unless otherwise specified, all references to currency are to Australian dollars.

In relation to any securities or other financial instruments issued or managed by Advantedge or any of their related entities (including subsidiaries of the Advantedge Financial Services Pty Ltd such as Garrisons Pty Ltd and Associated Planners Limited), no guarantee is provided concerning the repayment of capital to investors, nor the performance or returns of any products (whether referred to on this website of not), unless specifically stated in the terms of issue and conditions associated with those products or other relevant disclosure documents.

Offers of products

This website is for information purposes only and information on it does not constitute an offer of any Advantedge loan product or other product or service and is not part of the pre-contractual disclosures required by the Consumer Credit Code (Code) or any other law.

Offers for these products and services and details about these products and services are contained in the relevant disclosure documents which you can obtain from ADVANTEDGE’s accredited preferred lenders. If a loan that is regulated by the Code is intended to be made, the prospective borrower will be provided a formal loan offer with all of the requisite pre-contractual disclosures, which comply with the Code. All loans are subject to prior approval and compliance with relevant terms and conditions. Fees and charges may apply for this documentation. You can obtain this documentation from Advantedge’s accredited preferred lenders.

Applications for Advantedge products must be made only using the appropriate application form applicable to the current product disclosure statement or other disclosure document relevant to the product and/or via Advantedge’s electronic application system by borrowers who satisfy the relevant terms and conditions for applying for the product.

Your conduct

You must not:
use the website for any purpose that is unlawful or prohibited by these On-line Conditions of Use or any other term, notice or disclaimer appearing on this website;
use this website in any way that interferes with other users; and
attempt to or actually breach or circumvent any security measures on this website (including 'hacking') or attempt to obtain access to secure or member only parts of this website without authorisation.
Advantedge retain the right to monitor your use of this website and prevent further access at any time at its discretion.

Copyright and trade marks

The material on this website is protected by copyright. You may only use this material for your own personal reference. You must not otherwise use, reproduce, publish, modify, distribute, link, frame, transmit in any form or by any means, electronic or mechanical, for any purpose, any of the material on this website, except with the prior written permission of Advantedge.

Trade marks used on this website are the property of Advantedge or other associated parties, including other subsidiaries of the Advantedge Financial Services Pty Ltd. You must not use a trade mark used on this website without the prior written consent of the owner of that trade mark.

Links to third party websites

This website may contain hyperlinks and other pointers to websites operated by third parties. These linked websites are not under Advantedge’s control. Advantedge does not guarantee and is not responsible for the contents of any linked website or any hyperlink contained in a linked website. Advantedge provides these hyperlinks as a convenience only, and the inclusion of any link does not imply any endorsement of the linked website by Advantedge. You access any such third party website entirely at your own risk.

Limitation of liability

Your use of this website and reliance on any information contained on the website, is entirely at your own risk. To the extent permitted by law, Advantedge excludes all liability for any loss or damage (including indirect or consequential loss or damage) you or any other person suffers in connection with your use of this website, including your reliance on any information contained on this website. Advantedge’s liability for breach of any warranty or condition implied by law that cannot be excluded is limited, at Advantedge’s option, to (as the case may be):
re-supply or replacement of those goods or services;
providing the cost of having those goods or services re-supplied, replaced or repaired; or
in the case of goods, repair the goods.

Your personal information will be collected and used by Advantedge in accordance with their Privacy Policy. Please click here to access the Advantedge Privacy Policy.

Governing Law

These On-line Conditions of Use and other terms, notices and disclaimers appearing on this website are governed by the law in force in the state of New South Wales, Australia.
*Advantedge includes the following entities:
Advantedge Financial Services Holdings Pty Ltd (ABN 57 095 300 502)
Advantedge Financial Services Pty Ltd (ABN 36 130 012 930)