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1. General terms and conditions for all users | |
| 1.1 | The www.westpac.com.au website ("this website") is owned by Westpac Banking Corporation ("Westpac"). It is operated by Westpac and other companies in the Westpac Group. To the extent that general advice is provided on this website, it is provided by one or more of the following entities, (all being members of the Westpac Group of companies of which Westpac Banking Corporation is the holding company), based on the circumstances and context in which the advice is given on this website:
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| 1.2 | If, where general advice is being given on this website, the circumstances or context do not clearly indicate which one or more of the above entities is giving the advice, the advice is taken to be given by Westpac Banking Corporation. |
| 1.3 | Your access to this website is subject to these terms and conditions, the Westpac Banking Corporation Privacy Statement, notices, disclaimers any other terms and conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as "Terms of Use"). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use. |
| 1.4 | Westpac may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of the website will constitute an acceptance of those modifications. |
| 1.5 | You agree that where Westpac or any other company in the Westpac Group is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference. |
| 1.6 | By accessing this website, you acknowledge receipt of the relevant Financial Services Guide. |
| Australian investors only | |
| 1.7 | Unless otherwise stated expressly, products and services referred to on this website are only available in Australia. |
| Disclosure documents | |
| 1.8 | Westpac Banking Corporation and other members of the Westpac Group currently offer products named on this website. The offers are identified in the disclosure documents (which include Product Disclosure Statements, where applicable). To invest, please complete the application form attached to or accompanying the relevant disclosure document, a copy of which can be obtained by accessing the document through the appropriate link and printing it or phoning 132 032. Investors should consider the disclosure document (including Product Disclosure Statement, where appropriate) in deciding whether to acquire, or to continue to hold, the product. |
| Important disclaimers | |
| 1.9 | All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and neither Westpac nor any other company in the Westpac Group have verified the information, which may not be complete or accurate for your purposes. Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such. |
| 1.10 | Neither Westpac nor any other company in the Westpac Group nor any of their directors, employees and associates guarantees the security of this website, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this website and does not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and Trade Practices Act. |
| 1.11 | Should you leave this site via a link contained within this website, and view content that is not provided by a company in the Westpac Group, including content in relation to the issue or sale of a financial product: (a) you do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by a company in the Westpac Group. No company in the Westpac Group is responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise. No company in the Westpac Group makes any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party; (b) links to other websites are provided for convenience only and do not represent any endorsement by Westpac of the products or services offered by the website owner; (c) you should endeavour to obtain the Product Disclosure Statement for the relevant product from the issuer or seller of the product as identified on the website to which you link; (d) you should consider the Product Disclosure Statement for the relevant product in deciding whether to acquire, or to continue to hold, the product. |
| 1.12 | Investments in the funds and trusts referred to on this website do not represent deposits with, or other liabilities of, Westpac Banking Corporation or any other company in the Westpac Group, and are subject to investment risk, including possible delays in repayment or loss of income and capital invested. Other than where the terms of the particular product expressly state otherwise, (for example, certain policies issued by Westpac Life Insurance Services Limited), no member of the Westpac Group stands behind the repayment of capital, or guarantees the investment performance of the funds and trusts referred to on this website. |
| 1.13 | In preparing the information contained on this website, Westpac has not taken into account your objectives, financial situation or needs. Before investing on the basis of the information contained on this website, you should consider (with or without the assistance of an adviser) whether the information in this website is appropriate to you in light of your particular objectives, financial situation and needs. You should obtain the disclosure document (including Product Disclosure Statement where applicable) relating to a product referred to on this website before making any decision about whether to acquire the product. |
| 1.14 | The information on this site is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon an investor's individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only. |
| 1.15 | In contributing information contained on this site and in providing their respective products and services through this site, and unless expressly stated otherwise, each company which is a member of the Westpac Group and is identified on this site is acting as principal and does not act as a representative of any other company in the Westpac Group. |
| 2. Copyright | |
| 2.1 | Copyright in the information contained on this website is owned by Westpac Banking Corporation (ABN 33 007 457 141). You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material. |
General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our ABN & RSE Numbers for Superannuation entities.
By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.
Copyright © 2009 Westpac Banking Corporation ABN 33 007 457 141