Terms of use

This Website is operated by Newcastle Greater Mutual Group Ltd (NGM Group, we, us or our). NGM Group includes our retail banking brands, including Greater Bank and Newcastle Permanent.

These Terms of Use apply whenever you access or use this Website and any information, content, graphics or other materials made available on it (collectively, Materials).

These Terms of Use explain the conditions that apply when using the Website, including information about website content, links to third-party websites, cookies and other tracking technologies, and your rights and responsibilities when accessing our online services.

By accessing or using this Website, you agree to these Terms of Use. If you do not agree, please do not use the Website.

Additional Terms 

Additional terms may apply to certain products, services, applications or functionality offered through the Website. Where applicable, those terms will also apply and form part of your agreement with us.

Changes to these Terms of Use

We may update these Terms of Use from time to time. When we do, we will publish the updated version on the Website and update the "Last Updated" date.

Changes apply from the date they are published on the Website. If you continue to use the Website after the updated Terms of Use take effect, you agree to the updated Terms of Use.

General

If any part of these Terms of Use is found to be invalid, unlawful or unenforceable, that part will be read down or severed to the extent necessary, and the remainder will continue in full force and effect.

When using the Website, you must not:

• Use the Website for any unlawful purpose or in breach of any applicable law or regulation;
• Upload, transmit or distribute any virus, malware or other harmful code or material to or via the Website;
• Attempt to gain unauthorised access to the Website, any related systems or networks, or any user accounts;
• Use bots, scrapers, data mining tools or other automated means to access, monitor or extract information from the Website without our prior written consent;
• Interfere with, disrupt, test or circumvent the security, operation or availability of the Website or the servers or networks connected to it; 
• Impersonate any person or organisation, or misrepresent your identity or affiliation; or
• Engage in any activity that may damage, overload or impair the Website or our systems.

The Website may contain links to websites, services or content operated by third parties. Those third party websites are not controlled by us and are provided for your convenience only. We do not endorse, approve or accept responsibility for any third party website, or the content, products or services available through it.

Third party websites may have their own terms, conditions and privacy policies. You should review those terms before using those websites. If you choose to access a third party website, you do so at your own risk.

Before acquiring or continuing to hold a product offered through a third party website, you should review the relevant disclosure documents, terms and conditions and other information provided by the issuer or seller of that product.

We may receive a commission, referral fee or other payment from some third party providers where permitted by law.

Nothing in these Terms of Use excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded, including any rights under the Australian Consumer Law (Non Excludable Rights).

Subject to any Non-Excludable Rights:

• The Website and Materials are provided on an “as is” basis;  
• We do not provide any warranty, representation or guarantee regarding their availability, accuracy, completeness, reliability or suitability for any particular purpose; and 
• Subject to any Non-Excludable Rights, we are not liable for loss arising from:
  • Interruptions, outages, unauthorised access, harmful code or reliance on information made available through the Website; or
  • Any restriction, suspension or termination of access that is implemented in accordance with these Terms of Use.

Where our liability cannot be excluded by law, our liability is limited, to the maximum extent permitted by law, to the resupply of the relevant service or the cost of having that service supplied again.

Nothing in these Terms of Use limits any rights or protections that apply under the terms and conditions of a particular NGM Group product or service.

The information and Materials on this Website are provided for general information purposes only. Information on this Website may constitute general financial product advice and is not a personal recommendation.
 
Unless otherwise stated, information on this Website is of a general nature and does not take into account your objectives, financial situation or needs. You should consider whether any product or service is appropriate for your circumstances, and, where appropriate, seek independent professional advice before making a decision.

Information on this Website does not form part of the terms and conditions of any product or service and should be read together with any applicable terms and conditions and disclosure documents. 

Before acquiring, or deciding whether to continue to hold, a product or service, you should review the relevant terms and conditions and any applicable disclosure documents, including a Product Disclosure Statement (PDS) and Target Market Determination (TMD), where available. The relevant terms and conditions, Product Disclosure Statement (PDS) or other disclosure documents will identify the issuer or provider of the relevant product or service.

Product features, benefits, rates, fees, eligibility criteria and other information may change from time to time and may not always be immediately reflected on this Website.

Additional terms, conditions, fees, charges and eligibility criteria may apply to our products and services. Applications for credit remain subject to our lending and credit approval criteria.

Nothing in this section excludes or limits any rights or remedies you may have under the Australian Consumer Law or any other law that cannot be excluded.

This Website and the products and services described on it are intended for Australian residents only. We make no representation that the Website, its content, or any products or services referred to on it comply with the laws of any country outside Australia.

If you access the Website from outside Australia, you do so at your own risk and are responsible for complying with any applicable local laws.

These Terms of Use are governed by laws of the State of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and courts entitled to hear appeals from those courts.

We may restrict, suspend, block or terminate access to the Website or any related online service at any time where we reasonably consider it necessary, including:

• To protect the security, integrity or operation of our systems, services or customers;
• To prevent fraud, cyber threats, unauthorised activity or other security risks;
• To comply with legal, regulatory or sanctions obligations;
• To manage operational or risk-related issues; or
• Where we reasonably believe these Terms of Use have been breached.

This may include restricting access from particular countries, regions, networks, Internet Protocol (IP) addresses, devices or other sources that present an elevated risk.

We do not guarantee that the Website or our online services will be available at all times or in all locations. Access may be restricted, suspended or unavailable from time to time.

If your access is terminated, you must stop using the Website and any related online services.

Any provisions of these Terms of Use that are intended to continue after termination, including intellectual property rights, disclaimers, limitations of liability and any rights accrued before termination, will continue to apply.

Unless otherwise stated, all copyright, trade marks and other intellectual property rights in the Website and Materials are owned by, or licensed to NGM Group. Nothing in these Terms of Use grants you any ownership rights in, or licence to use, our trade marks, logos or branding.

You may view, download and print Materials from the Website for your personal, non-commercial use.

Except where permitted by law or with our prior written consent, you must not reproduce, modify, publish, distribute, transmit, sell, licence, frame, scrape, copy or otherwise exploit any part of the Website or Materials.

We use cookies, pixels and other tracking technologies across our websites and digital channels to help operate, secure and improve our services, understand how visitors use our websites, personalise content, and measure the effectiveness of our products, services and marketing activities. These technologies help us deliver a safe, reliable and relevant online experience.

Depending on the technology used, we may collect information such as: 

• Your IP address; 
• Device, browser and operating system information; 
• Website usage and navigation information;
• Pages viewed, links clicked and time spent on pages;
• Referring websites and traffic sources;
• Approximate geographic location derived from your device or network;
• Online identifiers and cookies; and 
• Information about how you interact with our websites, applications, products and services.

Some of this information may constitute personal information under privacy law.

Types of Technologies we use

We use different categories of cookies and tracking technologies for different purposes.

Essential technologies 
These technologies are necessary for the operation, security and functionality of our websites and digital services. They help us:

• Maintain website and online banking functionality; 
• Detect and prevent fraud, cyber threats and unauthorised activity;
• Manage network performance and security; and
• Support system administration and troubleshooting.

Without these technologies, some parts of our websites, apps or online services may not function correctly.

Functional technologies
These technologies help us provide enhanced functionality and a more personalised experience. They may remember preferences such as selected settings, recently viewed content or other choices made during previous visits.

If functional technologies are disabled, some website features or personalised services may not operate as intended.

Analytics technologies 
We use analytics technologies to understand how visitors use our websites and digital services. This information helps us:

• Assess website performance; 
• Identify technical issues and broken customer journeys;
• Improve navigation and usability;
• Understand content effectiveness; and
• Enhance customer experience.

Analytics information is typically aggregated or pseudonymised and is used to help us improve our digital channels and services.

Personalisation technologies 
We may use information about how visitors interact with our websites and digital services to deliver a more relevant and streamlined experience. This may include:

• Displaying content that is more relevant to your interests;
• Tailoring website experiences based on previous interactions; 
• Improving digital journeys and product information; and
• Conducting testing and optimisation of website content and functionality.

Personalisation activities are designed to improve the relevance and usability of our websites and services.

Marketing and advertising technologies 
We may use cookies, pixels and similar technologies to: 

• Measure the effectiveness of advertising campaigns;
• Understand the products and services customers are interested in; 
• Improve the relevance of advertising and marketing content; and
• Monitor the performance of marketing activities.

These technologies may be provided by us or by third-party advertising and marketing partners.

Third-party Technologies

We may engage third-party providers to assist with website analytics, personalisation, functionality, security and marketing activities.

These providers may collect information through cookies, pixels, web beacons and similar technologies either on our behalf or for their own measurement, reporting and service delivery purposes. Third-party providers may have their own privacy policies, cookie notices and terms of use. We encourage you to review those documents directly with the relevant provider.

Managing your Preferences

You can manage or disable cookies through your browser settings. Some browsers also allow you to delete existing cookies or control future cookie activity.

If you choose to block or disable certain cookies or tracking technologies, some features, functionality or personalised services may not operate correctly.

Further Information About Privacy

Our Privacy and Credit Reporting Policy explains how we collect, hold, use and disclose personal information, including your rights to access and correct personal information and how to make a privacy complaint.