In these Terms and Conditions of Use, the expressions we, us and our mean “All R Loans” and our subsidiaries and related businesses.

Terms and Conditions of Use
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time (together the Terms and Conditions of Use). If you do not accept our Terms and Conditions of Use you are not authorised to use our websites

These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our websites. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.

Calculators
Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice nor confirmation of loan approvals or guarantee thereof. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action.

Internet security risks
There may be security risks in sending information via the Internet. You should assess these potential risks when deciding whether to use our websites, mobile apps or online services.

Links to other websites
Our websites may contain links to other websites operated by third parties or content from third party operated sources. We do not endorse or approve of the operators of any third-party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third-party websites or the goods and services offered to you on any third-party websites. The content from and links to third party sources are provided for your convenience. We are not liable or responsible for the accuracy, upkeep or completeness of third-party content and links.

We may receive payments from operators or owners of third-party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.

Use by persons outside of Australia
Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, we reserve the right to refuse service at our discretion. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer or lending partner.

The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia.

No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.

We recommend that you seek independent advice before acting upon any of the information on our websites.

We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.

You acknowledge and agree that your use of our websites is at your own risk. You must ensure that the process you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system. We are not responsible for any damages that may be caused due to viruses or other website usage related risks, like but not limited to, phishing attempts by malicious software.

Limitation of liability
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, including negligence, statute or otherwise.

Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our discretion, to make an attempt to resupply or repair the performed service, or payment of the cost of having the services supplied again or repaired.

Copyright and trademarks
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.

You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trademarks owned by us (or our licensors). You must not use any of our trade marks in any way without our prior written consent.

Handling of complaints
If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001