Materials provided to Australia & New Zealand Banking Issues:

Australia & New Zealand Banking Issues does not claim (copyright) ownership of the materials you provide to Australia & New Zealand Banking Issues (including feedback and suggestions). However, by providing any materials ("Submission") to Australia & New Zealand Banking Issues you grant Australia & New Zealand Banking Issues, it's affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their internet business (including, without limitation, Australia & New Zealand Banking Issues), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights to any supplier of Australia & New Zealand Banking Issues.

No compensation will be paid with respect to the use of your Submission, as provided herein. Australia & New Zealand Banking Issues is under no obligation to post or use any Submission you may provide and Australia & New Zealand Banking Issues may remove any Submission at any time in its sole discretion.

By Posting a Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. In addition to the warranty and representation set forth above, by Posting a Submission that contain images, photographs, pictures or that are otherwise graphical in whole or in part ("Pictures"), you warrant and represent that (a) you are the copyright owner of such Picture, or that the copyright owner of such Picture has granted you permission to use such Picture or any content and/or images contained in such Picture consistent with the manner and purpose of your use and as otherwise permitted by these Terms of Use and This Site, (b) you have the rights necessary to grant the licenses and sublicenses described in these Terms of Use, and (c) that each person depicted in such Picture, if any, has provided consent to the use of the Picture as set forth in these Terms of Use, including, by way of example, and not as a limitation, the distribution, public display and reproduction of such Picture. No compensation will be paid with respect to the use of your Picture

Software and content available through This Site:

All content and software (if any) that is made available to view and/or download in connection with This Site, excluding content and/or software that may be made available by end-users through a Communication Service, ("Software") is owned by and is the copyrighted work of Australia & New Zealand Banking Issues and/or its suppliers or a third party which shall be named with the (download) information and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

Information provided by Australia & New Zealand Banking Issues:

All information provided by Australia & New Zealand Banking Issues, be it in written, graphical or other form ("Information") is copyrighted by Australia & New Zealand Banking Issues with the exception of those parts noted. The copyright and trademarks of the information found in those parts of This Site belong to unknown or unnamed third parties. The Information displayed on the beforenamed parts of This Site is used without permission of the legal copyright and/or trademark owners. Redistribution of the beforenamed Information is illegal without consent of the legal copyright and/or trademark owner(s).

Liability disclaimer:

IN NO EVENT SHALL Australia & New Zealand Banking Issues AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF This Site, WITH THE DELAY OR INABILITY TO USE This Site OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH This Site, OR OTHERWISE ARISING OUT OF THE USE OF This Site, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Australia & New Zealand Banking Issues OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF This Site, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING This Site.

Language:

It is the express will of the parties that this agreement and all related documents have been drawn up in English.

Supply of E-mail Address

Subject to any responsibilities implied by law and which cannot be excluded, no member of Australia & New Zealand Banking Issues will supply, sell or disribute any E-mail address provided by you. The supply of either;

your private E-mail address;
your public E-mail address; to
an external source will not be tolerated.

Warranties

While we have made every effort to ensure that information is free from error, Australia & New Zealand Banking Issues does not warrant the accuracy, adequacy or completeness of Material on this web site. All information is subject to change without notice. Australia & New Zealand Banking Issues recommends that you seek independent advice before acting upon Material on this web site or Third Party Material. Australia & New Zealand Banking Issues does not guarantee that the Australia & New Zealand Banking Issues Web Site or Third Party Web Sites will be free from viruses, or that access to the Australia & New Zealand Banking Issues Web Site or Third Party Web Sites will be uninterrupted.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, no member of Australia & New Zealand Banking Issues is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on the Australia & New Zealand Banking Issues Web Site or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of any member of Australia & New Zealand Banking Issues 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 Australia & New Zealand Banking Issues's option, to:

the supply of the goods or services again;
the repair of the goods; or
the payment of the cost of having the goods or services supplied again or repaired.

Termination

These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the Australia & New Zealand Banking Issues Web Site) and your access to the Australia & New Zealand Banking Issues Web Site may be terminated at any time by Australia & New Zealand Banking Issues without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by Australia & New Zealand Banking Issues will survive termination, however, you will no longer be authorised to access the Australia & New Zealand Banking Issues Web Site.

Copyright and Trademark notices:
All contents of this site are: Copyright © 2006 - 2024 Australia & New Zealand Banking Issues and/or its suppliers, http://www.anz-banking.com/. All rights reserved.

Copyright in the Material on this Web Site is owned or licensed by Australia & New Zealand Banking Issues.

Except where necessary for viewing the Material on this web site on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Australia & New Zealand Banking Issues.

Linking to Australia & New Zealand Banking Issues Web Site

Please contact Australia & New Zealand Banking Issues if you would like to place a link to any part of the Australia & New Zealand Banking Issues Web Site.

Acceptance and Changes to Terms of Use

You acknowledge and accept that your use of the Australia & New Zealand Banking Issues Web Site indicates your acceptance of these Terms of Use and the Privacy and Security Statement.

These are the current Terms of Use. They replace any other terms of use for the Australia & New Zealand Banking Issues Web Site published on the Australia & New Zealand Banking Issues Web Site to date. Australia & New Zealand Banking Issues may at any time vary the Terms of Use by publishing the varied Terms of Use on the Australia & New Zealand Banking Issues Web Site. You accept that by doing this, Australia & New Zealand Banking Issues has provided you with sufficient notice of the variation.

Australia & New Zealand Banking Issues reserves any rights not expressly granted in these Terms of Use.