The website is governed by these terms

Please read the terms and conditions of use ("Terms") set out below carefully before using this Website (the "Site"). The use of this Site is governed by these Terms.

If you have any questions regarding these Terms, please contact us.

References to "you", "your" and "yours" are references to the person(s) accessing the Site.

References to "we", "us" and "our" are references to Auswide Bank Ltd ABN 40 087 652 060, Australian Financial Services and Australian Credit Licence No: 239686 ('Auswide') and its wholly owned subsidiaries, agents and authorised representatives.

This Site is owned and operated by Auswide . By using this Site, whether browsing or opening an application, you acknowledge that you have read and understood these Terms and agree to be bound by them.

Unless otherwise stated or agreed with you, the information on this Site has been prepared in accordance with Australian law for residents of Australia and for the supply of products or services in Australia. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this Site or in respect of any exclusions contained in the relevant product or service terms and conditions, it is not directed to you.

Unless otherwise indicated, copyright in all information and other materials on this Site (including information and its arrangement) is owned by or licensed to Auswide or has been reproduced with the consent of a business partner of Auswide . All rights are reserved. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, this Site or any portion of the Site may not be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purpose that is not expressly permitted by Auswide . You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use products & services. You must not alter anything. In particular you may not use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Nothing contained on this Site should be construed as granting any licence or right of use of our logo or any trade mark displayed on the Site without the express written consent of Auswide or the trademark owner.

The information appearing on this website does not constitute an offer or an intention to enter into a legally binding contract unless expressly stated otherwise.

The material on this site contains general information about Auswide 's products or services and the products or services of other companies with which we have formed a business relationship such as those for which we act as agent, business partner, supplier or in which we are a shareholder ("Products & Services").

The Products & Services are only available to approved applicants and, in particular, all applications for credit are subject to normal credit approval criteria. The information provided about Products & Services does not form part of the terms and conditions of these Products & Services. All Products & Services are subject to the terms and conditions, disclaimers and disclosures of the applicable agreement governing their use. These Terms are to be read by you together with such other terms and conditions, disclaimers or product disclosure statements. In the event of any conflict - the terms and conditions, disclaimers or product disclosure statement applicable to a specific Product or Service shall prevail over these Terms.

This information is not based on any consideration of your personal objectives, financial situation or needs. To decide if a Product or Service is right for you please read the relevant terms and conditions, disclaimers or product disclosure statement. These are available by contacting us. We recommend that if you do not understand them that you seek independent legal or financial advice.

The use of the Site is at your sole risk. Subject to any liability implied by law and which cannot be excluded, Auswide is not responsible for any loss, damage, cost or expense incurred by you (including legal expenses) arising out of or in connection with information on this Site (including any error, omission or misrepresentation).

All information on this website (including these Terms) can be withdrawn or changed without notice. You agree to review the Site regularly and your continued access to, or use of, the Site following any changes will mean that you agree to any changes (including any amended Terms).

While we have taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on the Site, the information is provided in good faith on an "as is", "as available" basis and we do not make any representation or warranty of any kind, whether express or implied, as to the reliability of the information contained on this Site. While the information is believed to be accurate and current at the date the information was placed on this Site - we do not guarantee the currency or accuracy of the information. We do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this Site.

Independent verification is recommended prior to acting upon the information supplied on this Site.

Details of Auswide 's policies regarding the privacy and security of your personal information (including use of this website, emails, email forms and interactive functions) are contained in our Privacy Policy.

By agreeing to these Terms you agree to be bound by our Privacy Policy.

Where we provide hypertext links to other locations on the Internet, we do so for convenience and information purposes only.

We have not verified, and are not responsible for, the content, security or privacy policies & practices of any other websites or pages linked to or linking to this Site.

Unless expressly implied by us, the inclusion of any link does not imply an endorsement, approval or recommendation of the linked website or its content by Auswide and, subject to any applicable law which cannot be excluded, Auswide makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party website. We make no representations or warranties regarding the accuracy, functionality or performance of any third party functions or software that may be used in connection with the Site. Following links to any other websites or pages or using third party functions or software is entirely at your own risk and we shall not be responsible or liable for any losses, damages or expenses or in other way in connection with linking.

Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

By clicking on one of the Social Media Share icons provided on our website you will be taken to websites:, etc. These sites are third party websites and are not affiliated with us. These websites may offer a different privacy policy and level of security.

While we take full responsibility for the content we post on these sites, we are not responsible for and we do not endorse, guarantee or control content, availability, viewpoints and advertising that are offered or expressed on them.

It's important that you stay secure online. Never share any personal or confidential details through public messages like Facebook comments. We'll never ask you to publicly share any personal or confidential details. We will never post your confidential personal information on a social media website.

For details about our social media community guidelines, please visit the our individual social media pages on Facebook and LinkedIn

For details about our social media privacy policies please visit our Privacy Policy.

While every endeavour is made to ensure the integrity and availability of the Site - we do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.

You have sole responsibility for adequate protection and back up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

You agree not to attempt to transfer any material of any kind to this site which contains a virus, malicious computer code or any harmful component and not to otherwise attempt to alter the content of the Site. You agree that you are wholly responsible for use of the Site by any person using your computer and you agree to ensure that any such person complies with these Terms.

You agree to immediately notify Auswide of any unauthorised use of your e-mail address to us or any other breach of security likely to compromise our integrity or the integrity of your relationship with us or if you receive or become aware of any 'copycat' websites, suspicious emails or other 'phishing' communications purporting to be from us.

All figures displayed on this Site relating to fees, charges, interest and any other amounts are in Australian dollars and are current at the time of issue, but may change at any time.

These Terms and your access to the site may be terminated at any time by Auswide without notice. All restrictions, disclaimers and limitations of liability by Auswide will survive termination.

These Terms are governed by and are to be construed in accordance with the laws of Australia. You agree to the non-exclusive jurisdiction of the courts of Queensland, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms or this Site. If any provision of these Terms is found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.

Auswide reserves any rights not expressly granted in these Terms.

By moving to any other part of this Site you agree that you have read, considered and understood these Terms of Use and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read any of the terms, conditions and disclaimers provided at other parts of this Site.

This information on our 'Website Terms of Use' page is current 23rd July 2013 but may change. Our 'Website Terms of Use' page may be reviewed from time to time in line with changes in law, technology and market practice.