This web site and its contents ('Web Site') are owned and operated by George Brand Real Estate Pty Limited (ACN 002 030 560) ('George Brand'). The use of this Web Site is governed by the following terms and conditions, as amended from time to time (the 'Terms and Conditions'). These Terms and Conditions apply in favour of, and are enforceable by, George Brand and its partners and franchisees from time to time (the 'George Brand Group').
By using this Web Site you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them. If you do not agree with these Terms and Conditions you should immediately cease using the Web Site. The Web Site may be updated from time to time, including these Terms and Conditions. By continuing to use this Web Site after these Terms and Conditions have been updated, you acknowledge that you have read and understood the updated Terms and Conditions and agree to be bound by them.
General information only - non-advisory
The material on the Web Site is presented as general information only. It is not intended as legal, financial or real estate advice and must not be relied on as such. You should make your own inquiries and obtain independent professional advice tailored to your specific circumstances before making any legal, financial or real estate decisions.
The results from the finance calculators on the website are only estimates and intended to be a guide only. They cannot be relied upon when making an investment decision. In relation to the "loan repayments" calculator, the monthly repayment amounts featured for the loan specified do not take into account any fees which may be charged by the lender or any changes to the interest rate over time. Your lender will be able to provide you with specific information in relation to your repayment obligations and the terms and conditions that apply. In relation to the "how much can I borrow?" calculator, this is for illustrative purposes only and is based on the accuracy of information provided. It does not take into account all the information considered by a lender before granting approval for a loan and any loan applications will be subject to your lender's normal credit approval criteria. The "stamp duty" and "mortgage stamp duty" calculators are based on the rates of stamp duty and mortgage stamp duty applicable to the purchase of properties located in New South Wales as at 1 May 2011. These rates are subject to change and need to be independently verified.
Intellectual property and restrictions on use of content
Unless otherwise indicated, the copyright in the Web Site is owned by George Brand. The Web Site includes registered and unregistered trade marks that are owned by George Brand. Except for the direct purpose of viewing, printing, accessing or interacting with the Web Site for your own personal use or as otherwise indicated on the Web Site or these Terms and Conditions, you must not reproduce, modify, communicate to the public, adapt, transfer, distribute or store any of the contents of the Web Site, or incorporate any part of the Web Site into another web site without George Brand‘s consent.
Links to Third Party Sites
George Brand assumes no responsibility for the condition or content of third party web sites that may be linked to or accessed from the Web Site. George Brand excludes all liability for any loss, damage, claim, expense, cost (including legal costs) or liability whatsoever arising from or referable to the condition or content of third party web sites that may be linked to or accessed from the Web Site.
George Brand may collect, use and disclose personal information about you obtained by George Brand from your use of the Web Site. George Brand's management of this information is governed by the Privacy Statement.
Disclaimer and Limitation of Liability
The Web Site and its entire contents are provided on an "as is" basis. The George Brand Group does not warrant the completeness, accuracy, reliability or availability of the Web Site or its contents. All information is subject to change without notice. Subject to any responsibilities implied by law and that cannot be excluded, the George Brand Group excludes all liability for any loss, damage, claim, expense, cost (including legal costs) or liability whatsoever arising from or referable to the Web Site whether in contract, tort including negligence, statute or otherwise.
Any term, condition, representation or warranty implied into these Terms and Conditions by law or otherwise, and which cannot be excluded, is included in these Terms and Conditions. Liability of any member of the George Brand Group for a breach of a condition or warranty implied into these Terms and Conditions by law or otherwise, and which cannot be excluded, is limited to the extent possible, at that member's option, to the supplying of the relevant goods or services again or the payment of the cost of having the goods or services supplied again.
Changes and Termination
George Brand reserves the right to revise the content of, amend links from, or withdraw access to the Web Site at any time without notice or liability to you. Your ability to access the Web Site or to participate in any features of the Web Site, may be terminated at any time without notice, and without any liability to you. Any limitations on GeorgeBrand's liability will survive such termination.
A right relating to these Terms and Conditions may only be waived by George Brand in writing. These Terms and Conditions are governed by and construed in accordance with the laws of New South Wales, Australia. By using the Web Site you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales. If any provision of these Terms and Conditions are found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remaining provisions, which will continue in full force and effect. George brand's failure to exercise or enforce any rights or any provision of these Terms and Conditions will not constitute a waiver of such right or provision unless acknowledged and agreed to by George Brand in writing.