Newcastle Permanent website terms of use

Who operates this website?

This website is operated by Newcastle Permanent Building Society Ltd (ABN 96 087 651 992) in its own right and on behalf of its related bodies corporate (collectively "Newcastle Permanent") under the domain name "www.newcastlepermanent.com.au" ("Newcastle Permanent Website").

Binding terms

Your use of the information, graphics and materials (collectively "materials") on the Newcastle Permanent website is governed by these terms of use, the privacy statement and the security statement. By using or accessing the Newcastle Permanent website you agree to be bound by and accept these terms of use, the privacy policy and the security statement.

In addition to these terms of use, the privacy statement and the security statement, there may be additional terms from time to time displayed on the Newcastle Permanent website which govern your use of, and access to, certain sections of the website. You are also bound by those additional terms and you should review them wherever they are accessible by you on the Newcastle Permanent website.

Linked websites

The Newcastle Permanent website may contain links to other websites operated by third parties ("third party websites"). Newcastle Permanent does not endorse or approve the operators of third party websites, or the materials on third party websites ("third party material") or goods or services referred to in them ('third party products"), or any software downloads available from them, or authorise the reproduction of third party material.

All advertisements, inducements, offers to sell and statements relating to third party products on third party websites are the responsibility of and given by the third party website operator only, not Newcastle Permanent. Unless otherwise stated on the Newcastle Permanent website, Newcastle Permanent does not act on behalf of third party website operators in any capacity. Before considering whether to acquire or continue holding third party products you should endeavour to obtain any relevant Terms and Conditions or Product Disclosure Statements (PDS) from the issuer or seller of same.

Newcastle Permanent may receive payments from third party website operators in relation to goods or services supplied by same as a result of you linking to a third party website from the Newcastle Permanent website.

Newcastle Permanent shall determine at its sole and absolute discretion, consent or refusal for any entity to place a link to any part of the Newcastle Permanent website. You must not create a link to any part of the Newcastle Permanent website without our prior written consent.

Warranties

To the extent permitted by law, Newcastle Permanent makes no warranties or representations:

• regarding the quality, accuracy, completeness, merchantability or fitness for purpose of materials on the Newcastle Permanent website or of third party material or third party products; or
• that third party material or materials on the Newcastle Permanent website do not infringe the intellectual property rights of any person; or
• that third party material or materials on the Newcastle Permanent website are free from computer viruses; or
• that access to third party material or materials on the Newcastle Permanent website will be uninterrupted.

General information only

Materials on the Newcastle Permanent website may contain general information about our products and services. Unless otherwise stated in the Newcastle Permanent website, this information:

• does not constitute an offer or inducement for you to enter into a legally binding contract; and
• does not form part of the terms and conditions for your acquisition of Newcastle Permanent's products and services.

For further information about a particular product or service of Newcastle Permanent, please contact Newcastle Permanent direct. The materials on the Newcastle Permanent website do not take into account your particular objectives, financial situation or needs. Newcastle Permanent recommends that you seek independent advice before acting upon the materials on the website or third party material.

All applications for credit are subject to Newcastle Permanent's normal credit approval criteria applying from time to time.

Disclosure

Before you consider whether to acquire or continue holding a Newcastle Permanent product, you should consider the Terms and Conditions or PDS applicable to it, which can be obtained through the Newcastle Permanent website or direct from one of the offices of Newcastle Permanent.

The Terms and Conditions or PDS in each case confirm whether Newcastle Permanent (or any other entity) issues or sells the particular product to which the Terms and Conditions or PDS relates, and unless otherwise stated, Newcastle Permanent is the issuer or seller of any Newcastle Permanent product.

Jurisdiction

The Newcastle Permanent website is only for use by, and any products and services displayed or referred to in it are only available to, Australian residents, and may not comply with non-Australian laws. The law applicable to your use of the Newcastle Permanent website and to any disputes arising from your use of it, is the law of the State of New South Wales in Australia.

Disclaimer and liability limit

To the extent permitted by law, Newcastle Permanent is not liable to you for any loss, damage, liability, claim or expense (including but not limited to legal costs) whatsoever in connection with the materials on the Newcastle Permanent website or third party material.

To the extent permitted by law, any liability of Newcastle Permanent for a breach of a condition or warranty of any kind is limited at Newcastle Permanent's option, to:

• the supply of the goods or services again; or
• the repair of the goods; or
• the payment of the cost of having the goods or services supplied again or repaired.

Termination

These terms of use and the agreement constituted by your use of the Newcastle Permanent website and your access to the Newcastle Permanent website may be terminated at any time by Newcastle Permanent without notice. To the extent permitted by law, all disclaimers by and limitations of liability of Newcastle Permanent shall survive such termination. You will no longer be authorised to access the Newcastle Permanent website upon such termination.

Intellectual property

Copyright on the materials on the Newcastle Permanent website is owned or licensed by Newcastle Permanent. Except where necessary for viewing the materials on your browser, or as permitted under the Copyright Act 1968 of Australia or other compulsory law or these terms of use or the privacy statement or the security statement, none of the materials on the Newcastle Permanent website may be reproduced, adapted, uploaded or transferred to a third party, linked, framed, performed in public, distributed or transmitted in any form by any process without the written consent of Newcastle Permanent. The mark "Newcastle Permanent", and all associated trademarks and logos, are trademarks and logos of Newcastle Permanent.

Change

These current terms of use replace any other prior terms of use published on the Newcastle Permanent website. All materials on the Newcastle Permanent website are subject to change without notice.