Please read the terms and conditions of use set out below carefully before using this Website (the "Site"). The use of this Site and any transactions conducted on it is governed by these terms and conditions ("Terms").
"Everyday Money" is a brand of Woolworths Group Limited ABN 88 000 014 675 ("Woolworths") which is also used under licence by providers of Everyday Money products and services. Woolworths and other providers of Everyday Money products and services are referred to as "Everyday Money providers". Macquarie Bank (ABN 46 008 583 542, Australian Credit Licence 237502) AIA Australia Limited (ABN 79 0004 837 861 AFSL No. 230043) and Australia and New Zealand Banking Group Limited ACN 005 357 522 AFSL 234527 ("ANZ") are Everyday Money providers
If you have any questions regarding these Terms, please call Everyday Money on 1300 10 1234 for more information.
References to "you", "your" and "yours" are references to the person(s) accessing the Site.
References to "we", "us" and "our" are references to Everyday Money providers.
This Site is operated by Woolworths except the Everyday Money Credit Card Online Services site which is operated by Macquarie. All Everyday Money products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.
By using this Site, whether browsing or opening an application, you acknowledge that you have read and understood the Terms and agree to be bound by them.The information and other material provided in the pages of the Site (including the Terms) may be changed at any time without notice by updating this posting. 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).
The material on this Site contains general information about Everyday Money products and services. Unless expressly stated otherwise this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for such products and services. All applications for credit are subject to normal credit approval criteria.
The information is not intended to be taken as financial advice and does not take into account any customer's individual requirements and circumstances.
By using this Site, whether browsing, opening an application or applying for a product, you agree that we may deliver documents, including but not limited to product disclosure statements and financial services guides by making them available on this Site.
The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only so far as the law permits.
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on the Site, 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. The information is believed to be accurate and current at the date the information was placed on this Site. We do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this Site.
The use of the Site is at your sole risk. We shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on the Site or accessed through the Site, even if we have been advised of the possibility of such damage.
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, it is not directed to you.
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.
We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.
The Trade Practice Act 1974 (Cth), the Australian Securities and Investment Commission Act 1989 (Cth) and similar State and Territory legislation in Australia may confer rights and remedies on you in relation to the provision of services by us which cannot be excluded, restricted or modified ("non-excludable rights"). We do not exclude any of these non-excludable rights, but do exclude all other conditions and warranties implied by custom, law or statute.
Our liability for breach of any non-excludable rights is limited, at our option , to the supply of the services again, or the payment of the cost of having the services supplied again.
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 of any other websites or pages linked to or linking to this Site. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked website or its content by us and, subject to any applicable law which cannot be excluded, we make no representation or warranty, expressly or impliedly, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party website. Following links to any other websites or pages 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.
Unless otherwise indicated, copyright in all information and other materials on this Site (including information and its arrangement) is owned by or licensed to Everyday Money providers or their related companies. 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 us. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and 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 any trade mark displayed on the Site without our express written consent.
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 must keep secure at all times any password or PIN that we issue to you in connection with your use of this Site. You agree to immediately notify the Everyday Money Customer Contact Centre of any unauthorised use of your e-mail address, password, PIN or Personal Access Code or any other breach of security by calling 1300 10 1234.
Everyday Money providers have policies regarding their management of personal information. In addition, each of them must take reasonable steps to let people know, generally, what sort of personal information each of them holds, for what purposes and how each of them collects, holds, uses and discloses that information. If you would like a copy of any such policies, or wish to know more about the personal information management practices of an Everyday Money provider, you may contact their respective privacy officers, directly. Contact details are at their websites (for example www.woolworths.com.au;www.macquarie.com.au;www.aia.com.au/AIAAustralia/ and www.anz.com.au) or you may telephone those companies.
Application forms for Everyday Money products and services contain terms and conditions regarding personal information relevant to Everyday Money. Because those terms and conditions provide for certain consents, if you agree to them they will impact on how Everyday Money providers use and disclose your personal information. You can view the application form terms and conditions on-line at everydaymoney.com.au or obtain a copy of the application form by contacting the Everyday Money Call Centre on 1300 10 1234 or by writing to the Everyday Money Privacy Officer at:
The Privacy Officer, Everyday Money
GPO Box 4535
Sydney NSW 2001
Phone: 1300 10 1234
When an Everyday Money provider collects personal information from or about you, it is required to give you certain information relevant to that information. A privacy disclosure statement has been prepared for this purpose. A copy of it is at here. You can also obtain a copy by contacting the Everyday Money Call Centre or Privacy Officer whose details are above.
We may also in connection with the above and the provision of the Site transfer your data to countries which may not provide the same level of legal protection for personal data as within Australia. However, all personal data wherever it is held by us our related companies or by our sub-contractors or agents will be afforded protection against any authorised or accidental disclosure, access or deletion.
By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.
No data transmission over the Internet can be guaranteed as totally secure. Whilst we strive to protect such information, we do not warrant and cannot ensure the security of any information which you transmit to us. Accordingly, any information which you transmit to us is transmitted at your own risk.
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 us without notice. All restrictions, disclaimers and limitations of liability by us will survive termination.
These Terms are governed by and are to be construed in accordance with the laws of New South Wales, Australia. You agree to the non-exclusive jurisdiction of the courts of New South Wales, 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.
We reserve 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 and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this Site.