1. General terms and conditions for all users

1.1 This website (“this website”) is owned and operated by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence number 233714 (“Westpac”). To the extent that general advice is provided on this website, it is provided by Westpac.

1.2 Your access to this website is subject to these terms and conditions, the Westpac Privacy Policy, notices, disclaimers any other terms and conditions or other
statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as “Terms of Use”). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.

1.3 Westpac may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of this website will constitute an acceptance of those modifications. Australian individuals and entities only

1.4  Unless otherwise stated expressly, products and services referred to on this website are only available in Australia. Important disclaimers

1.5  All information contained on this website is given in good faith and has been derived from sources believed to be accurate. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
1.6
Neither Westpac nor any of its directors, employees or associates guarantees the security of this website, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this website and does not accept any  liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and Competition and Consumer Act.

1.7 If you leave this site via a link contained within this website, and view content that is
not provided by Westpac:

(a) you do so at your own risk. The content to which you link may not have been
produced, checked for accuracy, or otherwise reviewed by Westpac. Westpac is not
responsible for damages or losses caused by any delays, defects or omissions that
may exist in the services, information or other content provided in such site, whether
actual, alleged, consequential or otherwise. Westpac makes no guarantees or
representations as to, and shall have no liability for, any electronic content delivered
by any third party; and

(b) links to other websites are provided for convenience only and do not represent any endorsement by Westpac of the products or services offered by the website owner.
1.8 The information on this site is based on current laws and their interpretation. The application of many laws depends upon individual circumstances. You should,  therefore, consider seeking professional advice on the legal implications. The information provided should be used as a guide only.

2. Copyright
Copyright in the information contained on this website is owned by Westpac. You may use this information for your own individual reference only. You may reproduce this information in hard copy solely for your individual use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.

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© 2019 Westpac

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714