Terms of Access

The use of this website ("Site") is subject to the following terms and conditions and all applicable laws. By accessing and browsing the Site, you accept these Terms of Access:

1. The information on this Site is provided in compliance with Australian law and is only intended for persons within Australia. This Site may not comply with the laws of countries other than Australia and is not directed at, and should not be relied upon by, persons in any other country.
2. Hanover Group Australia Holdings Pty Ltd (ACN 121 070 077) and each of its subsidiaries including Hanover Consumer Finance Pty Ltd (ACN 112 319 632) reserves all copyright in, and other intellectual property rights relating to, the Site and materials on this Site. No content or material on the Site may be reproduced, adapted, linked to, distributed or used in any way without HGA's prior written consent. However, you may print or download one copy of the materials or content on this Site on any single computer for your personal, non-commercial use, provided you keep intact all copyright and other proprietary notices.
3. This Site may include links to websites of companies within Hanover Group for your convenience. The terms and conditions governing the use of the website of each Hanover Group entity may differ and you should consult and carefully read the applicable terms and conditions before using the relevant website. Links to any other websites that are not affiliated with or related to the Hanover Group are provided for convenience only and do not represent any endorsement by us of the products or services offered by the site owner.
4. HGA reserves the right to prohibit links to this Site and you must remove or cease any link at HGA's request. If you create a link to this Site, you remain fully responsible for any consequences of that link, and you will protect us against all costs, losses and other liabilities arising from, or in connection with, that link.
5. While HGA has taken care to ensure that the content and material on the Site is free from error, it does not warrant its accuracy or completeness or that it is suitable for your intended use. Some of the information on this Site may provide general information about investment products. HGA is not a financial or investment adviser, solicitor, credit provider, accountant or financial planner. HGA does not provide you with legal, financial, investment or tax advice about any investment products as a result of your use of the services provided by HGA at this Site. HGA recommends that you take independent financial advice from a licensed investment adviser and legal advice from a solicitor before you enter into any loan agreements or make any investment decisions as a result of your use of the Site.
6. HGA does not warrant the accuracy or completeness of any information provided by an accredited introducer in relation to the services offered by HGA (including without limitation interest rates, security requirements and fees and charges). Any information provided in relation to such services is subject to change without notice.
7. The Trade Practices Act 1974, the Uniform Consumer Credit Code and similar State and Territory Legislation in Australia may confer rights and remedies on you in relation to the provision of goods or services which cannot be excluded, restricted or modified ("Non-excludable Rights"). HGA does not exclude any Non-excludable Rights but does exclude all other conditions and warranties implied by custom, law or statute. To the extent permitted by law, HGA is not liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever and does not accept any responsibility or liability arising from your use of this Site or your reliance on any information contained on, or accessed through, the Site.
8. This is not intended as investment advice. We recommend you obtain investment advice tailored to your specific circumstances before making important investment decisions. HGA does not accept any responsibility or liability arising from your use of this Site or your reliance on any information contained on, or accessed through, the Site.
9. Information transmitted over the Internet is inherently insecure. However, HGA takes your privacy seriously and, once it receives any personal information from you, it will hold that information in accordance with the HGA Privacy Policy.