1st Street (a trading name of 1st Street Pty Ltd ACN: 101 256 348) operates this website. 1st Street is the holder of Australian Credit License (ACL) number 414423. Your access to and reliance on our website is subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers any other terms and conditions or other statements contained on our website. Terms and Conditions of Use By accessing, viewing or otherwise using our website, you acknowledge and agree to be subject to these Terms and Conditions of Use, the Privacy Policy and any other notices, disclaimers and other terms and conditions or other statements contained on our websites as amended or modified from time to time. If you do not accept our Terms and Conditions of Use and the Privacy Policy you are not authorised to use our website. 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 or modify these Terms and Conditions of Use by publishing the changed version on our website. By accessing our website 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.

Information on this website

We have taken all reasonable care in producing this website but we cannot guarantee it has all the information you need to answer all of your questions. For information and assistance contact us on 1300 17 87 87. All product details, rates, terms, conditions and other information is subject to change at any time without notice. The information on this site is not intended to be financial, legal or any other advice or a product recommendation. For credit products, we provide information only, not recommendations. We do not suggest or recommend that you apply for any particular credit contract with any particular credit provider. Where general advice may be provided on financial products, we have not taken your financial circumstances, needs and objectives into account, and you should consider these things before making any decisions.

Commission

1st Street earns commission from the lender if your loan settles. You do not pay 1st Street any fees and charges for using this site. Please refer to our credit guide for more detail.

Warranties

While we have tried hard to make sure there are no mistakes in any of the information on our website, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it. Further, all information is subject to change without notice or that the information is suitable for your intended use. 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 website is at your own risk. You must ensure that that the process which 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.

Disclaimer 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 and 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 website or any modification, suspension or discontinuance of our website – whether in contract, tort 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 option, to: • the supply of the goods or services; • the repair of the goods or services; • the payment of the cost of having the goods or services supplied again or repaired;

Links to other sites

Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of the 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 the third party websites. 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. Our websites are provided for use by Australian residents only, and the products described in them are not directed at anyone in any country other than Australia. If you are not a 1st Street customer and are accessing our website outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside Australia will not be accepted from anyone who is not an existing 1st Street customer. The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia. The site may not comply with the laws of any other country.

Linking to our website

You must not link to our website without our prior written permission.

Copyright

Unless otherwise indicated, copyright in the information on this site is owned by 1st Street. If you wish to reproduce any of the information on this site, please contact us and obtain our permission before doing so.

Governing law and jurisdiction

These Terms of Use are governed by the laws of New South Wales, Australia, and you agree to submit to the non-exclusive jurisdiction of its courts in relation to any matters concerning these Terms of Use.