This website is owned and operated by RM25CM Pty Ltd (ACN 076 461 857) (collectively, “Tobeinfront”, “we”, “us” or ‘our”) under the domain name www.tobeinfront.com.au (“the website”).
Access to the website and use of the services
Your access to and use of the information, materials and services provided on the website is conditional upon your acceptance and compliance with the terms, conditions, statements, notices, policies and disclaimers contained on this website (“Terms”).
Your continued use of the website means you accept these Terms. If you do not wish to be bound by these Terms you must
discontinue accessing, browsing and/or using the website.
Tobeinfront reserves the right to amend these Terms at any time. In such an event, we will provide notice by publishing the varied Terms on the website. You accept that by doing this, we have provided you with sufficient notice of the variation.
Description of Website Services and information provided
Tobeinfront is not a financial advisor and/or a mortgage broker. We do not provide any financial advice or mortgage broking services. The website and the services contained herein are designed to provide a technical link between you and a qualified and/or licensed financial advisor, mortgage broker or credit card provider. By submitting the required information in the relevant field, a financial advisor or mortgage broker from a range of participating financial services organisations (a “participating financial services organisation”) is connected with you on the basis of a post code allocation system and will contact you to help you with your financial needs.
Similarly, where you have selected to receive a service from one of our service providers, such as a real estate agent, your information will be passed on to the relevant service provider to enable delivery of the service you have selected to receive.
The participating financial services organisation and/or service provider is not employed by us. We do not sponsor, endorse, recommend or approve any financial services organisation and/or service provider, who offers services through the website.
Whilst we use all reasonable endeavours to ensure that participating financial services organisation and/or service providers are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating financial services organisation and/or service provider who offers services through this website is licensed, qualified, or able to perform the relevant services. We therefore strongly recommend that you take all necessary measures and precautions before you engage the participating financial services organisation and/or service provider to act on your behalf and/or seek to rely on any information provided by the participating financial services organisation and/or service provider.
We cannot and do not guarantee that we have a participating financial services organisation and/or service provider allocated to your specific area or postcode. Consequently, you agree and acknowledge that we may not be able to provide the service requested by you notwithstanding the submission of all required information on your part.
Intellectual Property Rights
The material contained on this website is protected by copyright. You may use the website only for your personal and non-commercial purposes.
Except to the extent permitted by relevant copyright legislation, you must not use, reproduce, modify, adapt, transmit, store, print, publish or distribute the material on the website, or create any other material using material on the website, without obtaining our prior written consent of Tobeinfront.
The trademarks appearing on the website (whether registered or unregistered) are primarily our trade marks or of those of our affiliates. Other trade marks which may be displayed on the website are trademarks of their respective owners. Such trademarks must not be used or modified in any way without our express written consent or the relevant affiliate or third party owner.
You agree that all the materials displayed on or available through the website, including without limitation any and all names, logos, data, information, text, graphics, advertisements and underlying software displayed on or available from the website are protected by copyright, trade mark and other intellectual property laws and are available for your personal use only.
The website, products, technology and processes contained in this website may be the subject of other intellectual property rights owned by Tobeinfront or by third parties. No licence is granted in respect of those intellectual property rights other than as set out in these Terms. Your use of the website must not in any way infringe the intellectual property rights of any person.
Third party website links
The website may contain links and pointers to other websites operated by third parties. Such links and pointers are provided for your information and convenience only. We make no representations about the accuracy or suitability of the information or links which may be provided on the website
Tobeinfront does not control these third party websites and cannot be responsible for the content or accuracy of the information or other material contained on these websites.
Unless otherwise expressly stated on the website, the provision of a link to an external website does not constitute an endorsement or approval of that website, its operator and/or any products or services offered on or through that website.
It is strongly recommended that you seek independent expert advice if you have any concerns regarding what services, products or solutions may be suitable for you.
Before using other websites, we strongly recommend you examine the terms and conditions governing the use of those websites as they may differ from the website. Similarly, before disclosing your personal information on any other website, we advise you to examine the privacy policies of those websites.
You agree that by accessing any third party linked website you do so at entirely at your own risk. Tobeinfront will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with, use or reliance on any goods or services available on or through any third party website.
Hyperlinks to the website are only permitted where prior written consent has been obtained.
Right to modification and change
We reserve the right to amend, modify, delete, amend and make changes and corrections to any part of the website at any time without notice.
Tobeinfront does not guarantee continued availability of any particular product or service advertised or referred to on the website.
Information does not represent professional advice
The information and material provided on or through the website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into a transaction or taking any particular course of action in connection with the information you receive from the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.
Timeliness of response
Where our service involves a financial expert or any other expert (“expert”) to contact you to assist you with your enquiry, we will use all reasonable endeavours to ensure that you are contacted by that expert within 2 business days from the time an on-line request is submitted on the website (“response time”). Notwithstanding this, we cannot and do not guarantee the response time of any or all of our participating experts.
If you are not contacted within the response time, please let us know. Our contact details are as follows:
No Guarantees as to the Service
The website may contain downloadable materials and links to external websites.
Tobeinfront is not responsible for, and has no control over, the content of downloadable materials or external websites.
You understand that we cannot and do not guarantee, warrant or represent that a file or software of any kind, or from any source, available for downloading through the website, will be free of infection or viruses, worms, Trojan horses or other code or defects that manifest contaminating or destructive properties.
Disclaimer and Limitation of Liability
The reports and statistical data provided by this website service (collectively “the information”) are derived from third party data collection companies and from information provided to us by financial institutions. Tobeinfront does not warrant the accuracy of the information and does not accept liability for reliance on such information. In addition, we do not accept liability for the acts or omissions of others including but not limited to, those who provide the data and statistical information used to compile the information.
Certain rights and remedies may be available under federal government legislation or similar legislation of other States or Territories and may not be permitted to be excluded, restricted or modified. Apart from those that cannot be excluded, Tobeinfront and its related entities exclude all conditions and warranties that may be implied by law. To the extent permitted by law, our liability for breach of any implied warranty or condition that cannot be excluded is restricted, at our option to: the re-supply of services or payment of the cost of re-supply of services; or the replacement or repair of goods or payment of the cost of replacement or repair.
When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.
You assume all risk and liability of your use of the World Wide Web, the Internet or any such third party networks, including any access to the website via such media.
The use of the website is governed by, construed and enforced in accordance with the laws of Australia and you irrevocably submit to the non-exclusive jurisdiction of the courts of Australia and their respective courts of appeal in that regard.
The website may be accessed throughout Australia and overseas. Tobeinfront makes no representations that the content of the website complies with the laws (including intellectual property laws) of any country outside Australia. If you access this 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.
If any part of these Terms is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.
Reservation of rights
Any rights not expressly granted to you herein are reserved by ToBeInFront.
Last updated in June 2011
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