Welcome to our website. This website is owned and operated by Pherrus Financial Services Pty Limited (ABN 87 151 252 612) its successors and assignees (we, our or us). It is available at: www.pherrus.com.au (Website) and may be available through other addresses or channels.
1. Information: The information, including statements, opinions and documents, contained in this Website (Information) is for general information purposes only. It does not take into account your specific needs, objectives or circumstances, and it is not advice. Any reliance you place on the Information is at your own risk. Before acting on any Information, we recommend that you consider whether it is appropriate for your circumstances, carry out your own research and seek professional advice, where necessary.
2. Amendment: The Information and Terms may be amended without notice from time to time at our sole discretion. Your use of our Website following any amendments indicates that you accept the amendments. You should check the Terms regularly to ensure you are aware of any changes, and only proceed to use the Website if you accept and will comply with the new Terms.
3. Your warranties: You warrant to us that you have the legal capacity to enter these Terms and form a contract, and that you have read and understood these Terms, before using the Website.
4. Licence to use the Website: We grant you a non-exclusive, royalty-free, revocable, worldwide, non-transferable right and licence to use the Website for your personal, non-commercial use, in accordance with these Terms. All other uses are prohibited without our prior written consent.
5. Prohibited conduct: You must not:
(a) Use the Website for any activities, or post or transmit any material from the Website:
- unless you hold all necessary rights, licences and consents to do so;
- that infringes the intellectual property or other rights of any person;
- that would cause you or us to breach any law, regulation, rule, code or other legal obligation;
- that defames, harasses, threatens, menaces, offends or restricts any person;
- that is or could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, blasphemous, in breach of confidence or in breach of privacy; or
- that would bring us, or the Website, into disrepute;
(b) Interfere with or inhibit any user from using the Website;
(c) Use the Website to send unsolicited email messages;
(d) Attempt to or tamper with, hinder or modify the Website, knowingly transmit viruses or other disabling features, or damage or interfere with the Website, including but not limited to the use of trojan horses, viruses, or piracy or programming routines that may damage or interfere with the Website; or
(e) Facilitate or assist another person to do any of the above acts.
6. Copyright and intellectual property rights: Our Website contains material which is owned by or licensed to us and is protected by Australian and international laws, including but not limited to the trademarks, trade names, software, content, design, images, graphics, appearance, layout and look of our Website. We own the copyright which subsists in all creative and literary works displayed on the Website.
You agree that, as between you and us, we own all intellectual property rights in the Website, and that nothing in these Terms constitutes a transfer of any intellectual property rights. Your use of the Website does not grant you a licence to, or act as a right to, use any of the intellectual property, whether registered or unregistered, displayed on the Website without the express written permission of the owner.
You must not breach any copyright or intellectual property rights connected with the Website. This includes but is not limited to:
(a) altering or modifying any of the code or the material on the Website;
(b) causing any of the material on the Website to be framed or embedded in another website;
(c) creating derivative works from the content of the Website; or
(d) using the Website for commercial purposes.
7. Republishing: You may republish, copy, distribute, transmit, or publicly display (in hard copy, soft copy or online) material on the Website on the following grounds:
(a) you must make no alterations to the material;
(b) you must attribute the material to our Website, including linking back to our Website where possible; and
(c) you must not do so in a way that could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, blasphemous, in breach of confidence or in breach of privacy, or that would bring us, or the Website, into disrepute.
8. Privacy: We are committed to protecting your privacy. We agree to comply with the legal requirements of the Australian Privacy Principles as set out in the Privacy Act 1988 (Cth) and any other applicable legislation or privacy guidelines.
9. Your content: If you choose to add any content on the Website, you:
(a) warrant to us that you have all necessary rights to post the content;
(b) grant us a perpetual, non-exclusive, royalty-free, irrevocable, worldwide and transferable right and licence to use that content in any way (including but not limited to, by reproducing, changing, and communicating the content to the public) and permit us to authorise any other person to do the same thing; and
(c) you consent to any act or omission which would otherwise constitute an infringement of your moral rights, and if you add any content in which any third party has moral rights, you must ensure that the third party consents in the same manner.
10. Third party information: The Website may contain third party information, including but not limited to user comments, guest articles and advertisements (Third Party Information). We do not control, recommend, endorse, sponsor or approve Third Party Information, including any information, products or services mentioned in Third Party Information. You should make your own investigations with respect to the suitability of Third Party Information for you.
11. Third party links and websites: This Website may contain links to websites owned by third parties (Third Party Websites). We do not control, recommend, endorse, sponsor or approve Third Party Websites, including any information, products or services mentioned on Third Party Websites. You should make your own investigations with respect to the suitability of Third Party Websites for you.
12. Reservation of rights: We reserve the right to amend or delete any and all of your content, Third Party Information and/or Third Party Websites, and to block any user, if we believe that there is a violation of these Terms, or for any other reason, at our sole discretion.
13. Delays and outages: We are not responsible for any delays or interruptions to the Website. We will use commercially reasonable efforts to minimise delays and interruptions. We cannot warrant that the Website will be available at all times or at any given time. We may at any time and without notice to you, discontinue the Website in whole or in part. We are not responsible for any loss, cost, damage or liability that may result from our discontinuance of the Website.
14. Limitation of liability: To the extent permitted by law, we exclude all liability for any loss, damage, costs or expense, whether direct, indirect, incidental, special and/or consequential including loss of profits, suffered by you or any third party, or claims made against you or any third party which result from any use of or access to, or any inability to use or access, the Website.
To the extent permitted by law, we exclude all representations, guarantees, warranties or terms (whether express or implied) other than those expressly set out in these Terms, and the Australian Consumer Law (ACL) in the Competition and Consumer Act 2010 (Cth) to the extent applicable.
15. Refund Policy: If you obtain our services and you experience a major problem with the service, we may at our option: (a) refund the cost of the services; (b) resupply the services; or (c) arrange to repair the outcome of the services. We may at our discretion offer a refund to the cost of our services if you experience a minor problem with our service and we are unable to repair the problem within a reasonable period of time. If you experience a problem with our service, please contact us using our details at the bottom of these terms.
16. Disclaimer: The Website is provided to you without warranties, express or implied, including but not limited to implied warranties of merchantability and/or fitness for a particular purpose. We do not warrant that the functions contained in any material on the Website or your access to the Website will be error free, that any defects will be corrected, that the Website or the server which stores and transmits material to you are free of viruses or any other harmful components, or that the Website will operate on a continuous basis or be available at any time.
While we endeavour to keep the Website and Information up to date and correct, we make no representations, warranties or guarantee, express or implied, about:
(a) the completeness, accuracy, reliability, suitability or availability of any Information, images, products, services, or related graphics contained on the Website for any purpose;
(b) Third Party Information; or
(c) Third Party Websites.
You read, use, and act on information contained on the Website, Third Party Information and/or Third Party Websites, strictly at your own risk.
17. Indemnity: By using the Website, you agree to defend and fully indemnify and hold us (and our officers, directors, employees, contractors, successors, assigns and agents) harmless from and against all claims, actions, suits, demands, damages, liabilities, costs or expenses (including legal costs and expenses on a full indemnity basis), including in tort, contract or negligence, arising out of or connected to:
(a) your use of or access to the Website;
(b) any breach by you of these Terms; or
(c) any wilful, unlawful or negligent act or omission by you.
This defence and indemnification obligation will survive these Terms and your use of the Website. These Terms, and any rights and licences granted hereunder, may not be transferred or assigned by you, but may be assigned by us without restriction.
18. Breach: You may only use the Website for lawful purposes and in a manner consistent with the nature and purpose of the Website. By using the Website, you agree that the exclusions and limitations of liability set out in these Terms are reasonable. If you do not think they are reasonable you must not use the Website. We reserve the right to remove any and all content found to be in breach of intellectual property rights, including without limitation copyright, or which in our opinion is deemed inappropriate and/or illegal. If you breach these Terms, we reserve the right to block you from the Website and to enforce our rights against you. If we do not act in relation to a breach of these Terms by you, this does not waive our rights to act with respect to subsequent or similar breaches of these Terms by you. All rights not expressly granted in these Terms are reserved.
19. Exclusion of competitors: You are prohibited from using the Website, including the Information, in any way that competes with our business. If you breach this term, we will hold you responsible for any loss that we may sustain, and hold you accountable for any profits that you may make from non-permitted use. We reserve the right to exclude any person from using the Website and Information, at our sole discretion.
20. Enforceability: If any provision of these Terms is found to be illegal, invalid or unenforceable by a court of law, then the provision will not apply in that jurisdiction and is deemed not to have been included in these Terms in that jurisdiction. This will not affect the remainder of these Terms, which continue in full force and effect.
21. Further assurances: Each party must, at its own expense, do everything reasonably necessary to give full effect to these Terms and the events contemplated by them.
22. Termination: These Terms are effective until terminated by us, which we may do at any time and without notice to you. In the event of termination, all restrictions imposed on you by these Terms and limitations of liability set out in the Terms will survive.
23. Disputes: You agree to use your best endeavours to use mediation and negotiation to resolve any dispute arising out of or relating to these Terms, prior to resorting to an external dispute resolution process. Please notify us in writing of any dispute you may have.
24. Jurisdiction: Your use of the Website and any dispute arising out of your use of it is subject to the laws of New South Wales and the Commonwealth of Australia. These Terms are governed by the laws of New South Wales and the Commonwealth of Australia and subject to the exclusive jurisdiction of the courts operating in New South Wales. The Website may be accessed throughout Australia and overseas. We make no representation that the Website complies with the laws (including intellectual property laws) of any country outside Australia. If you access the Website from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the Website.
For questions and notices, please contact us at:
Pherrus Financial Services Pty Limited (ABN 87 151 252 612)
Suite 3.13, 29-31 Lexington Drive
Bella Vista NSW 2153
Phone: 02 9099 9109
Last update: 01 June 2016
LegalVision ILP Pty Ltd owns the copyright in this document and use without permission is prohibited.