Terms & Conditions
1. Introduction and Acceptance of Terms
1.1. These Terms and Conditions ('Terms') govern your use of the website located at www.wity.au and any associated services, platforms, tools, or mobile applications (collectively, the 'Service').
1.2. The Service is operated by Wity Pty Ltd (ACN 624 943 559), trading as Wity ('we', 'us', 'our'). Wity is an Authorised Credit Representative (Credit Representative Number 508333) of NF84 Pty Ltd (Australian Credit Licence Number 531736).
1.3. Please read these Terms carefully. By using, browsing, and/or remaining on the website, you signify that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must cease using the Service immediately.
1.4. We reserve the right to review and change any of these Terms at our sole discretion by updating this page. Any changes take immediate effect from the date of their publication.
2. IMPORTANT: General Advice Warning
2.1. The information provided through the Service (including product details, interest rates, articles, guides, and calculators) is of a general nature only and does not comprise professional or personal financial advice.
2.2. In preparing the information on the Service, we have not taken into consideration your personal objectives, financial situation, or needs. The information does not constitute a recommendation or endorsement of any particular product or service.
2.3. Any quote, calculation, or comparison generated by tools on our website is for illustrative purposes only. Any estimated interest rate, repayment amount, or borrowing capacity is an estimate only and is not an offer of credit. The actual terms of any loan will depend on the lender's assessment of your application.
2.4. Before acting on any information, you should consider its appropriateness to your own circumstances. You must confirm all information (including rates and fees) directly with the relevant financial product provider before making any financial decisions. We strongly recommend that you obtain independent legal, financial, and taxation advice before making any financial decision.
3. Prohibited Use and User Obligations
3.1. As a user of the Service, you agree to comply with the following:
(a)
You will use the Service only for purposes that are permitted by these Terms and any applicable law or regulation in Australia.
(b)
You have the sole responsibility for protecting the confidentiality of your password and/or email address. You agree to immediately notify us of any unauthorised use of your login details.
(c)
Any information you provide to us will be accurate, correct, and up-to-date.
3.2. You must not use the Service in any way that causes, or may cause, damage to the Service or impairment of its availability or accessibility.
3.3. You acknowledge and agree that any automated use of the Service is prohibited. You may not (directly or through another party), without our prior written permission, use screen scraping, data mining techniques, or any other automated tools to extract, reproduce, or publish information from the Service.
3.4. You must not use the Service to copy, store, host, transmit, send, use, publish, or distribute any material that consists of (or is linked to) any spyware, computer virus, or other malicious computer software.
4. Intellectual Property
4.1. All materials displayed on the Service, including but not limited to text, graphics, logos, code, scripts, and design elements, are subject to copyright, trademark, or other intellectual property laws. Unless otherwise indicated, all rights in the Service are owned or controlled by us.
4.2. We grant you a non-transferable, non-exclusive, royalty-free, revocable licence to:
(a)
use the Service pursuant to these Terms;
(b)
store the website and material in your device's cache memory; and
(c)
copy and print pages from the Service for your own personal and non-commercial use.
4.3. We do not grant you any other rights whatsoever in relation to the Service. All other rights, title, and interest are expressly reserved by us.
4.4. Nothing you do on or in relation to the Service will transfer to you:
(a)
any business name, trading name, domain name, trademark, patent, registered design, or copyright; or
(b)
the right to use or exploit a business name, trading name, domain name, trademark, or industrial design.
5. Disclaimers and Limitation of Liability
5.1. Nothing in these Terms limits or excludes any guarantees, warranties, representations, or conditions implied or imposed by law, including the Australian Consumer Law, which by law may not be limited or excluded.
5.2. Subject to clause 5.1, and to the extent permitted by law:
(a)
all terms, guarantees, warranties, representations, or conditions which are not expressly stated in these Terms are excluded; and
(b)
we will not be liable for any special, indirect, or consequential loss or damage, loss of profit or opportunity, or damage to goodwill arising out of or in connection with the Service or these Terms.
5.3. Use of the Service is at your own risk. Everything on the Service is provided to you "as is" and "as available" without warranty or condition of any kind. We do not warrant that the Service will be free from error, interruption, or defects.
5.4. Our total liability arising out of or in connection with the Service or these Terms, however arising, will not exceed the resupply of the Service to you.
6. Termination
6.1. These Terms will continue to apply until terminated by either you or by us as set out below.
6.2. If you wish to terminate these Terms, you may do so by ceasing to use the Service and closing your account (where this option is available).
6.3. We may, at any time, terminate our agreement with you if:
(a)
you have breached any provision of these Terms;
(b)
we are required to do so by law; or
(c)
the provision of the Service to you is, in our opinion, no longer commercially viable.
6.4. We reserve the right to discontinue or cancel your access to the Service at any time and may suspend or deny access without notice if you breach these Terms or any applicable law.
7. Privacy
7.1. We take your privacy seriously. Any information provided through your use of the Service is subject to our Privacy Policy, which is available on our website. Our Privacy Policy is incorporated by reference into these Terms.
8. Governing Law and Jurisdiction
8.1. The Service is intended for use by residents of Australia. These Terms are governed by the laws of Queensland, Australia.
8.2. In the event of any dispute arising out of or in relation to the Service, you agree that the exclusive venue for resolving any dispute shall be in the courts of Queensland, Australia.
9. Severance
9.1. If any part of these Terms is found to be void or unenforceable by a court of competent jurisdiction, that part shall be severed, and the rest of the Terms shall remain in force.
