Terms and Conditions

Important notice and disclaimer

BY ACCESSING OR USING THIS WEBSITE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

• You are accessing this website and its content entirely at your own risk
• No legal relationship, fiduciary duty, or duty of care is created between you and machineloans.com.au
• You waive all rights to take legal action against machineloans.com.au for any loss or damage arising from your use of this website
• You will seek independent professional advice before making any financial decisions

Introduction

Welcome to machineloans.com.au ("we," "our," or "us"). These Terms and Conditions ("Terms") constitute a legally binding agreement. If you do not agree with any part of these Terms, you must immediately cease using our website.

Waiver of liability and indemnity

1. Complete waiver of liability

1.1. To the fullest extent permitted by law, you expressly agree that your use of this website and any information obtained from it is entirely at your own risk. You expressly waive and release machineloans.com.au from any and all liability, claims, causes of action, and damages (whether known or unknown, foreseen or unforeseen) arising from:

• Your use of the website
• Any decisions made based on information from the website
• Any financial losses or damages
• Any errors, omissions, or inaccuracies in the information provided
• Any reliance placed on calculators, tools, or other features
• Any technical issues or website unavailability

1.2. This waiver applies to all damages of any kind, including but not limited to:

• Direct damages
• Indirect damages
• Consequential damages
• Special damages
• Punitive damages
• Lost profits
• Lost revenue
• Lost opportunities
• Personal injury
• Emotional distress
• Financial loss

2. Indemnification

You agree to defend, indemnify, and hold harmless machineloans.com.au, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgements, awards, losses, costs, expenses, or fees (including reasonable solicitor's fees) arising out of or relating to:

• Your use of the website
• Your violation of these Terms
• Your reliance on any information obtained from the website
• Any financial decisions you make based on website content

Scope and nature of services

3. No professional relationship

3.1. You explicitly acknowledge and agree that:

• No professional relationship of any kind is created by using this website
• We are not your financial advisers, brokers, agents, or fiduciaries
• We do not hold an Australian Credit Licence (ACL)
• We have no duty to provide accurate or updated information
• We have no obligation to verify any information provided
• We have no responsibility to notify you of any changes or updates

3.2. You explicitly agree that you will not rely on this website or its content as:

• Financial advice
• Investment advice
• Credit guidance
• Professional recommendations
• Personal financial planning
• Legal advice

4. Educational and entertainment purposes only

4.1. All content, tools, calculators, and information on this website are provided strictly for educational and entertainment purposes only. You expressly acknowledge that:

• All information is general in nature
• No information is tailored to your circumstances
• Calculators and tools are for illustrative purposes only
• Rates and figures shown may be outdated or inaccurate
• Results from tools and calculators are not guarantees or predictions

4.2. You must not rely on any information from this website to make financial decisions without first obtaining independent professional advice.

Privacy and security

5. Data protection

5.1. We collect and handle personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth).

5.2. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

6. Security

6.1. While we implement reasonable security measures, we cannot guarantee the security of information transmitted through our website.

6.2. You are responsible for maintaining the confidentiality of any login credentials provided to you.

Website use

7. Intellectual property

7.1. All content on this website, including text, graphics, logos, images, and software, is the property of machineloans.com.au or its content suppliers and is protected by Australian copyright laws.

7.2. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

8. Prohibited conduct

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with or disrupt the website's operation
• Submit false or misleading information
• Impersonate any person or entity

Enhanced liability and disclaimers

9. Absolute limitation of liability

9.1. Under no circumstances shall machineloans.com.au be liable for any damages or losses whatsoever, including but not limited to:

• Financial losses of any kind
• Lost profits or opportunities
• Business interruption
• Loss of business information
• Personal injury
• Property damage
• Emotional distress
• Any other pecuniary or non-pecuniary loss

9.2. This limitation applies regardless of:

• The basis of the claim
• Whether we were advised of the possibility of such damages
• Whether such damages were foreseeable
• Whether the limited remedies provided herein fail of their essential purpose

9.3. You expressly agree that your sole remedy for any issues arising from use of this website is to discontinue using the website.

10. Third-party links and services

10.1. Our website may contain links to third-party websites or services that are not owned or controlled by us.

10.2. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Changes and termination

11. Modifications

11.1. We reserve the right to modify these Terms at any time without prior notice.

11.2. Continued use of the website following any changes constitutes acceptance of the modified Terms.

12. Termination

12.1. We may terminate or suspend access to our website immediately, without prior notice, for any reason whatsoever.

Governing law

13. Jurisdiction

13.1. These Terms are governed by the laws of New South Wales, Australia.

13.2. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

Acknowledgment

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms, including all disclaimers and limitations of liability. You expressly agree that the limitations of liability set forth above are fundamental elements of the basis of the bargain between you and machineloans.com.au.