Welcome to http://www.smartmortgages.com.au (the 'Website'). The Website (the 'Services').

The Website is operated by SMART MORTGAGE CORP PTY LTD (ABN 96 167 205 683). Access to and use of the Website, or any of its associated Products or Services, is provided by SMART MORTGAGE CORP PTY LTD. Please read these terms and conditions (the 'Terms') carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of Services, immediately.

SMART MORTGAGE CORP PTY LTD reserves the right to review and change any of the Terms by updating this page at its sole discretion. When SMART MORTGAGE CORP PTY LTD updates the Terms, it will use reasonable endeavours to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.

You accept the Terms by remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by SMART MORTGAGE CORP PTY LTD in the user interface.

The Website, the content and all of the related products of SMART MORTGAGE CORP PTY LTD are subject to copyright. The material on the Website is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the content and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Website, code, scripts, design elements and interactive features) or the content are owned or controlled for these purposes, and are reserved by SMART MORTGAGE CORP PTY LTD or its contributors.

All trademarks, service marks and trade names are owned, registered and/or licensed by SMART MORTGAGE CORP PTY LTD, who grants to you a worldwide, non-exclusive, royalty free, revocable license whilst you are a Member to: - use the Website pursuant to the Terms; - copy and store the Website and the material contained in the Website in your device's cache memory; and - print pages from the Website for your own personal and non-commercial use. SMART MORTGAGE CORP PTY LTD does not grant you any other rights whatsoever in relation to the Website or the content. All other rights are expressly reserved by SMART MORTGAGE CORP PTY LTD.

SMART MORTGAGE CORP PTY LTD retains all rights, title and interest in and to the Website and all related content. Nothing you do on or in relation to the Website will transfer any: - business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright, or - a right to use or exploit a business name, trading name, domain name, trade mark or industrial design, or - a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process), to you.

You may not, without the prior written permission of SMART MORTGAGE CORP PTY LTD and the permission of any other relevant rights owners: broadcast, republish, upload to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the content or third party content for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website which are freely available for re-use or are in the public domain.

SMART MORTGAGE CORP PTY LTD takes your privacy seriously and any information provided through your use of the Website and/or content are subject to SMART MORTGAGE CORP PTY LTD 's Privacy Policy, which is available on the Website.

Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.

Subject to this clause 5, and to the extent permitted by law: - all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded; and - SMART MORTGAGE CORP PTY LTD will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the content or these Terms (including as a result of not being able to use the content or the late supply of the content), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.

Use of the Website and the content is at your own risk. Everything on the Website and the content is provided to you "as is" and "as available" without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of SMART MORTGAGE CORP PTY LTD make any express or implied representation or warranty about the content or any products or content (including the products or content of SMART MORTGAGE CORP PTY LTD referred to on the Website. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following: - failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records; - the accuracy, suitability or currency of any information on the Website, the content, or any of its content related products (including third party material and advertisements on the Website); - costs incurred as a result of you using the Website, the content or any of the products of SMART MORTGAGE CORP PTY LTD; and - the content or operation in respect to links which are provided for your convenience.

SMART MORTGAGE CORP PTY LTD is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.

The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to us, or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that personal information that we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.

SMART MORTGAGE CORP PTY LTD 's total liability arising out of or in connection with the content or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the content to you.

You expressly understand and agree that SMART MORTGAGE CORP PTY LTD, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.

You acknowledge and agree that SMART MORTGAGE CORP PTY LTD holds no liability for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you as a result of providing Your Content to the Website.

If you want to terminate the Terms, you may do so by providing SMART MORTGAGE CORP PTY LTD with days' notice of your intention to terminate by sending notice of your intention to terminate to SMART MORTGAGE CORP PTY LTD via the 'Contact Us' link on our homepage.

SMART MORTGAGE CORP PTY LTD may at any time, terminate the Terms with you if: - you have breached any provision of the Terms or intend to breach any provision; - SMART MORTGAGE CORP PTY LTD is required to do so by law; - SMART MORTGAGE CORP PTY LTD is transitioning to no longer providing the Services to Members in the country in which you are resident or from which you use the service; or - the provision of the Services to you by SMART MORTGAGE CORP PTY LTD , is in the opinion of SMART MORTGAGE CORP PTY LTD, no longer commercially viable.

ubject to local applicable laws, SMART MORTGAGE CORP PTY LTD reserves the right to discontinue or cancel your membership at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Website or the Services without notice if you breach any provision of the Terms or any applicable law or if your conduct impacts SMART MORTGAGE CORP PTY LTD 's name or reputation or violates the rights of those of another party.

When the Terms come to an end, all of the legal rights, obligations and liabilities that you and SMART MORTGAGE CORP PTY LTD have benefitted from, been subject to (or which have accrued over time whilst the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation, and the provisions of this clause shall continue to apply to such rights, obligations and liabilities indefinitely.

You agree to indemnify SMART MORTGAGE CORP PTY LTD , its affiliates, employees, agents, contributors, third party content providers and licensors from and against: - all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with Your Content; - any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so; and/or - any breach of the Terms.

Compulsory: If a dispute arises out of or relates to the Terms, either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following clauses have been complied with (except where urgent interlocutory relief is sought).

Notice: A party to the Terms claiming a dispute ('Dispute') has arisen under the Terms, must give written notice to the other party detailing the nature of the dispute, the desired outcome and the action required to settle the Dispute.

Resolution: On receipt of that notice ('Notice') by that other party, the parties to the Terms ('Parties') must: - Within 30 days of the Notice endeavour in good faith to resolve the Dispute expeditiously by negotiation or such other means upon which they may mutually agree; - If for any reason whatsoever, 30 days after the date of the Notice, the Dispute has not been resolved, the Parties must either agree upon selection of a mediator or request that an appropriate mediator be appointed by the President of the Australian Mediation Association or his or her nominee; - The Parties are equally liable for the fees and reasonable expenses of a mediator and the cost of the venue of the mediation and without limiting the foregoing undertake to pay any amounts requested by the mediator as a pre-condition to the mediation commencing. The Parties must each pay their own costs associated with the mediation; - The mediation will be held in Queensland, Australia.

Confidential: All communications concerning negotiations made by the Parties arising out of and in connection with this dispute resolution clause are confidential and to the extent possible, must be treated as "without prejudice" negotiations for the purpose of applicable laws of evidence.

Termination of Mediation: If 3 months have elapsed after the start of a mediation of the Dispute and the Dispute has not been resolved, either Party may ask the mediator to terminate the mediation and the mediator must do so.

The Services offered by SMART MORTGAGE CORP PTY LTD is intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Website, you agree that the exclusive venue for resolving any dispute shall be in the courts of Queensland, Australia.

The Terms are governed by the laws of Queensland, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Terms and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of Queensland, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Terms shall be binding to the benefit of the parties hereto and their successors and assigns.

Both parties confirm and declare that the prov1s1ons of the Terms are fair and reasonable and both parties having taken the opportunity to obtain independent legal advice and declare the Terms are not against public policy on the grounds of inequality or bargaining power or general grounds of restraint of trade.

If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed and the rest of the Terms shall remain in force.