Disclaimer and terms of use

The information provided on this website is General Information Only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this information you should consider the appropriateness of the information, having regard to your own objectives, financial situation and needs. If any products are detailed on this website, you should obtain a Product Disclosure Statement relating to the products and consider its contents before making any decisions.  

Menzies Financial Group, Menzies Commercial and Super Loans, Menzies Financial Planning and PATRON Financial Advice disclaim all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on this site. The user must accept sole responsibility associated with the use of the material on this site, irrespective of the purpose for which such use or results are applied. The information on this website is no substitute for financial advice.

1. Introduction and Acceptance of Terms of Use. Menzies Financial Group offers you a wide range of content and information about its products and services ("Materials") via this web site. By using this web site, you are agreeing to accept and comply with the terms and conditions of use as stated below ("Terms of Use"), which Menzies Financial Group may update at any time without notice. You should visit this page periodically to review the then-current Terms of Use. Please note that Menzies Financial Group may, at its sole discretion, terminate your access to this web site at any time without notice.

2. Limited Right to Use. This web site is owned and operated by Menzies Financial Group. Unless otherwise specified, all Materials on this web site are the property of Menzies Financial Group and are protected by the copyright laws of Australia and throughout the world by the applicable copyright laws. You may view, print and/or download one copy of the Materials from this web site on any single computer solely for your personal, informational, non-commercial use, provided you keep intact all copyright and other proprietary notices. No Materials published by Menzies Financial Group on this web site, in whole or in part, may be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from Menzies Financial Group. The use of any such Materials on any other web site or networked computer environment or for any other purpose is strictly prohibited and such unauthorised use may violate copyright, trademark and other similar laws.

3. Access to Password Protected or Secured Areas. Access to and use of password protected or secured areas of this web site is restricted to authorised users only. You are solely responsible for maintaining the confidentiality of any username and password that you choose or is chosen by your web administrator on your behalf, to access this web site as well as any activity that occurs under your username/password. You will not misuse or share your username or password, misrepresent your identity or your affiliation with an entity, impersonate any person or entity, or misstate the origin of any Materials you are exposed to through this web site.

4. Monitoring. Although Menzies Financial Group is not obligated to do so, it will have the right to review your communications on this web site to determine whether you comply with our Terms of Use.

5. Links to Other Sites. The linked sites are not under the control of Menzies Financial Group and Menzies Financial Group is not responsible for the content of any linked site or any link contained in a linked site. Menzies Financial Group reserves the right to terminate any link at any time. Menzies Financial Group may provide links from this web site to other sites as a convenience to you and in no way should this be interpreted as an endorsement of any company, content or products to which it links. If you decide to access any of the third party sites linked to this web site, you do this entirely at your own risk. Menzies Financial Group disclaims any and all warranties, express or implied, to any such linked sites, including but not limited to any terms to the accuracy, ownership, validity or legality of any content of a linked site.

6. Trademarks. The trademarks, service marks and logos of Menzies Financial Group and others used in this web site ("Trademarks") are the property of Menzies Financial Group and their respective owners. You have no right to use any such Trademarks, and nothing contained in this web site or the Terms of Use grants any right to use (by implication, waiver, or otherwise) any Trademarks without the prior written permission of Menzies Financial Group or the respective owner.

7. Indemnity. You agree to indemnify, defend and hold Menzies Financial Group harmless from and against any and all third party claims, liabilities, damages, losses or expenses (including reasonable attorney's fees and costs) arising out of, based on or in connection with your access and/or use of this web site.

8. Limitation of Liability. In no event shall Menzies Financial Group or its suppliers be liable for any direct, indirect, special, incidental or consequential damages including, without limitation, lost profits or revenues, costs of replacement goods, loss or damage to data arising out of the use or inability to use this web site or any linked site, damages resulting from use of or reliance on the information or materials presented on this web site, whether based on warranty, contract, tort or any other legal theory even if Menzies Financial Group or its suppliers have been advised of the possibility of such damages.

9. Disclaimer. Menzies Financial Group assumes no responsibility for accuracy, correctness, timeliness, or content of the Materials provided on this web site. You should not assume that the Materials on this web site are continuously updated or otherwise contain current information. Menzies Financial Group is not responsible for supplying content or materials from the web site that have expired or have been removed. The materials provided at this web site are provided "As is" and any warranty (express or implied), condition or other term of any kind, including without limitation, any warranty of merchantability, fitness for a particular purpose, non-infringement or title is hereby excluded.

11. Applicable Laws. These Terms of Use are governed by the law in force in the State of New South Wales , Australia , and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms of Use.

12. General. If you have any questions regarding the Terms of Use, please contact Menzies Financial Group via our Contact Us page.