Terms of Use and Privacy Policy
This domain name and website are owned and operated by NobleOak Life Limited ABN 85 087 648 708 ("NobleOak"). Your access to and use of the information, text, graphics, materials and services provided on the website ("Service") is conditional upon your acceptance of, and compliance with, these Terms of Use. For the purposes of the Terms of Use as the context may apply "us", "we", and "our" means NobleOak Life Limited and each of its subsidiary companies.
By accessing or using this website you acknowledge and agree to these Terms of Use and to the computer storage, processing and use of personal information in accordance with the provisions of the following Privacy Policy. If, after having read these Terms of Use and Privacy Policy, you do not accept them, you should log out from this website.
We reserve the right to vary these Terms of Use and the Privacy Policy at any time by publishing varied provisions on this website. You accept and agree that by doing this we have provided you with sufficient notice of the variation. Your continued use of the website following such variation will represent an agreement by you to be bound by the Terms of Use and Privacy Policy as amended. We encourage you to check this Terms of Use and Privacy Policy pages regularly for changes and updates.
1. Intellectual property notice
You acknowledge that copyright is reserved to us and all rights are reserved. We either own the intellectual property rights in the underlying HTML, text, images, audio clips, video, clips and other content material that appears on this website, or have obtained the permission of the owner of the intellectual property to use the content on this website.
You must not use or copy any material appearing on the website other than for the purposes contemplated by this website or in any promotional material for any product without our consent.
Where material not published by us appears on this website, you must not use or copy any such material without the consent of the original owner.
2. Professional advice may need to be obtained
You acknowledge that by us providing the information contained in this website, neither we nor our subsidiaries are:
(a) rendering any legal, accounting, financial or other professional advice or opinions on specific matters or facts;
(b) making a recommendation to take up particular financial services products.
The information on the website is general and may not take into account any persons' particular needs or circumstances. You should always consult a qualified adviser for advice on whether the information is appropriate to your particular objectives, financial situation and needs.
3. Use of information and Changes to or closure of the Service
The information presented on this website has been compiled from various sources. Please do not rely on the information contained within this website as personal advice. The description of the various products and services offered is provided solely for general purposes and may not intended to be a complete description of all the terms, conditions, exclusions applicable to the product or service.
We take reasonable steps to ensure that the information contained in this website is accurate and up-to-date. However the information presented on the website is subject to change without notice and its accuracy is not guaranteed. Please refer to the section headed "Our liability".
We reserve the right in our sole discretion to revise the content of amend links from, or withdraw access to the website, at any time without notice. Without limiting the operation of any other terms and conditions herein, we will not be held liable for loss or damage arising from the exercising of these rights. Any indemnities given by you and limitations on our liability will survive the closure of the website.
4. Our liability
Except as expressly stated in these Terms of Use, all warranties, representations or conditions relating to the Service, or the fitness of the Service for any particular purpose, or to the merchantability of the Service, or to any other aspect of the Service, or as to the information contained in the Service (whether express or implied and whether arising in contract, at common law or under statute) are to the maximum extent permitted by law expressly excluded.
You acknowledge that:
(a) Our liability or any of our directors or employees under any statutory right or any condition or warranty implied by any state Fair Trading Act, Competition & Consumer Act or ASIC Act, which cannot be excluded is, to the extent permitted by law, in the case of any services, limited to the supply of the services again or the payment of the cost of having the services supplied again.
(b) The Service is, to the extent permitted by law, provided "as is, as available", without any warranty of any kind, express or implied, including, without limitation, any warranty with respect to the quality, performance or functionality of the Service and that the Service will be uninterrupted or error free or that any defects will be corrected or that the server which stores and transmits content to you is free of viruses or other harmful components.
(c) Neither we nor our directors and employees can accept liability for any errors or omissions and make no representations as to the accuracy or completeness of any information contained in the website. The accuracy or completeness of any information contained in the website may change at any time.
(d) We, or our directors and employees, to the extent permitted by law, are not liable to you for any incidental, indirect, special, consequential or economic loss or damage (including loss of profits or opportunities and exemplary and punitive damages) whether arising from negligence or otherwise in relation to these Terms of Use or the failure or omission by us to comply with its obligations under these Terms of Use. Other than stated above, we will not be liable for the cost of procurement of substitute goods, services or technology and in no event will our liability to you exceed $100. To the extent permitted by law, you indemnify us, our directors and employees from and against all actions, claims, suits, demands, liabilities, costs or expenses arising out of or in any way connected to the use of the Service (or any part of it).
5. Links to other sites
This website may contain links to other sites independently maintained by others. However, as we do not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on these linked sites. The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained in those other sites. The third party website is solely responsible to you for any representations made by it on its own website. Before disclosing your personal information on any other website, we recommend that you examine the terms and conditions of use of those websites.
You acknowledge that you cannot make any hyperlinks to this site without our prior written consent.
6. Breach of conditions
If you breach any term or condition of these Terms of Use, we may suspend your access to the Service. We reserve the right to suspend your access to the Service or access to the Service generally due to technical or other problems associated with the Service.
Either party may also terminate this Agreement in that party's absolute discretion immediately on written notice to the other party.
7. Australian residents only
This website is for access and use by Australian residents only. Some of the Service may be limited in its application to specific States and/or Territories of Australia.
8. Privacy Policy
By accessing the website, certain information about users, such as internet protocol (IP) addresses, navigation through the site, software used and time spent, as well as other similar information, will be stored with us. These will not specifically identify users and the information will be used internally for website traffic analysis only.
9. Governing Law
The Terms of Use are governed by and to be construed in accordance with the laws of New South Wales. You irrevocably and unconditionally agree to submit to the exclusive jurisdiction of the courts of New South Wales. In the event that any provision of the Terms of Use is held to be invalid, illegal or unenforceable, that provision must to the extent of the invalidity, illegality or unenforceability be ignored and all the other provisions of the Terms of Use will remain in full force and effect. We make no representation that the content of the Service complies with the laws of any country outside Australia. All rights not expressly granted herein are reserved.
10. Contact us
The registered office of NobleOak Life Limited and its subsidiary companies is Level 1, 50 York Street, SYDNEY NSW 2000.