Your access to the Site is subject to the Ask4Finance Privacy Statement, notices, disclaimers and any other relevant content published on this Site. If you use any of the services identified on the Site for which additional or alternative terms and conditions are referred to, by accessing, viewing or otherwise using those services, you agree also to be bound by and comply with those relevant terms and conditions.
To the extent possible we choose to carry out all transactions by means of electronic communication in accordance with the Electronic Transactions Act 1999 (Cth) and any regulations. You consent to using electronic means to form, or agree to, or bind you to, legal obligations. Therefore, where you indicate through electronic means your consent to Us acting for you, or you agreement to, or acceptance of, terms and conditions, offers and other documents, you will be taken to have agreed to, or signed, them.
You agree that any where We are required, by law or otherwise, to provide you with any documentation you consent to the provision of that document electronically through the links on this website or any other means We choose to use. Paper documents may no longer be given to you and you must regularly check your email, text messages and Ask4Finance Website for the documents. You may withdraw your consent to the giving of documents by electronic communication at any time by emailing us at email@example.com. We suggest that you print a copy of the document, or file it electronically, for future reference.
To access Ask4Finance’s services you will also need to agree to receive notices, information and other disclosures in electronic form. We carry out all transactions by means of electronic communication in accordance with the Electronic Transactions Act 1999 (Cth) and any regulations.
You also consent to receive notices, information and other disclosures in electronic form We choose to use through the links on this Site or any other means.
The Site contains information and features that you can use to obtain your credit score and any other features or content we may add in the future (the Services).
Eligibility to Use Ask4Finance’s Services
To be eligible to use Our services via the Site you must either an Australian citizen or Australian permanent resident and be18 years of age or older (Eligibility Criteria). We may vary the Eligibility Criteria from time to time. By using the Service or the Site, you represent and warrant that you are 18 or older and have an Australian driver’s licence or Australian passport. We may delete your profile and any content or information that you have posted on the Site and/or prohibit you from using or accessing the Site without limitation if We believe that you do not comply with the Eligibility Criteria.
Obtaining your credit score
This Service permits you, through Ask4Finance, to obtain your credit score from Veda Information Services and Solutions Limited (Veda) once every 12 months, and no more often than that. You appoint us as your access seeker for the purposes of the Privacy Act 1988 (Cth), and the Privacy (Credit Reporting) Code 2014, to request Veda to provide you with your credit score (known as a Veda Score) using our Website. We may communicate your Personal Information and the fact that you have appointed us to Veda in order to obtain your Veda Score.
You acknowledge and understand that Veda does not permit Us to provide you with any personal information or credit reporting information about you other than your Veda Score. If you wish to obtain your credit report or other credit reporting information from Veda, then you must contact Veda direct.
We are acting as an access seeker in accordance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014 and not as the agent for or intermediary of any credit provider. Any information provided on the Website by Ask4Finance, or any other credit provider, is by way of advertising and is for you to read or use on a voluntary basis only. No information which We obtain for you will be available to Ask4Finance, or any other credit provider unless you provide it to them yourself.
Collection of Information
You authorise Us to collect and access your information from time to time for the purpose of providing Our services to you. If you have any questions regarding the collection and access to your personal information, please contact us by emailing us at firstname.lastname@example.org
We may collect personal information such as your Veda Score from someone other than yourself when providing Our services.
a) access your personal information held by Us and seek the correction of such information; and
b) complain about a breach of the Australian Privacy Principles or a registered Australian Privacy Principles Code (if any) that binds Us, and how We will deal with such a complaint.
You agree that we may disclose your personal information to credit reporting agencies, such as Veda, as part of providing Our services or as required by law. We will not retain your personal information other than to confirm your identity, keep a record that we have been authorised by you to act as your access seeker or to confirm that you have not used the Service within 12 months of your previous use.
We will not sell, transfer or disclose your personal information to any credit provider, credit reporting or rating agency, advertiser or any person who is unrelated to the provision of Our services with you without your consent.
Site Content, Brands and Trademarks
You acknowledge and agree that We own all rights to the Site and all the content displayed on the Site, including, but not limited to, the Ask4Finance logo, domain names, images, buttons, text, data, articles, design, source code, software, photos, images and other information (collectively the Site Content). The Site services, Site Content, trademarks, service marks, trade names, images and logos are proprietary to or used with permission by Ask4Finance.
You agree that Site Content may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without Our express prior written consent. You may not modify, transform, participate in the sale or transfer of, or create derivative or modified works based on any Site Content, in whole or in part.
Nothing on the Site should be construed as granting, by implication or otherwise, any license or right to use any of the Site Content or trademarks displayed on the Site, including by linking or framing, or in any networked computer environment for any purpose, is prohibited without our prior written permission. We prohibit the use of any of the Ask4Finance trademarks as part of a link to or from any site unless establishment of such a link is approved in writing by us in advance.
No Advice Service
Any information We provide is of a general and information nature only. We do not provide legal, tax, financial, financial planning or investment advice or any form of advice regarding the suitability, or appropriateness of any of Our services or of obtaining credit from any person. The services We offer do not take into account your personal financial situation or your personal investment objectives. You should consult a financial adviser, legal adviser, tax professional and any other professional adviser regarding your specific financial situation.
Monitoring of Site Content
You acknowledge and agree that We have the right to monitor the Site and/or Site Content and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site, or to protect itself or other users of the Site. We have no obligation to monitor content on the Site or to protect users of the Site.
We may monitor communications via the Site and may withdraw any communication services or facilities at any time. We reserve to right to restrict any activities on the Site that We deem to be in breach of this legal notice or any other Ask4Finance agreement or policy.
None of Ask4Finance, any of its affiliates, providers or their respective officers, directors, employees, agents, independent contractors or licensors (referred to collectively as the Ask4Finance Parties) guarantees the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of any of the content and Ask4Finance disclaims liability for errors or omissions in the content.
The Site and all of the content is provided “as is”, without any warranty, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement or title. The Site could contain technical inaccuracies or typographical errors.
Ask4Finance Parties do not warrant as to the results of your use of the content or that the Site is free of viruses or other harmful components. Use of this Site is at your own risk. This does not affect those warranties which cannot be excluded or restricted under the applicable laws.
We may discontinue or make changes in the content and the Site at any time without prior notice and without any liability. Any dated information is published as of its date only, and Ask4Finance Parties do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all Site offerings or transmissions without prior notice.
Third Party Sites
This Site may contain links to web sites controlled, owned, or operated by third-party entities, organisations or people (such as Veda) (the Third Party Sites). Links to Third Party Sites on the Site are provided solely for your convenience. If you use these links, you leave the Site. We have not reviewed all of these Third Party Sites and do not control and are not responsible for these websites or their content or availability. Ask4Finance therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the Third Party Sites linked to the Site, you do so entirely at your own risk.
Other Restricted Activities
When you use the Site or Our services you must not:
b. violate any law, statute, ordinance, or regulation;
c. act in a manner which is, or post, email, transmit or otherwise publish any comments, materials or content that are, offensive, discriminatory, unlawful, threatening, harassing, defamatory or libellous, false, inaccurate or misleading;
d. provide false, inaccurate or misleading information;
e. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to Us;
f. use an anonymous proxy or other technique to prevent Us from identifying your location or your IP address;
g. use Our services in a manner that results in or may result in complaints, disputes, claims, fees, fines, penalties and other liability to Us or you; and
h. pay for your transactions with what we reasonably believe to be potentially fraudulent funds or proceeds of crime.
Limitation of Liability
Ask4Finance Parties (whether or not involved in creating, producing, maintaining or delivering the Site), exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Site in any way or in connection with the use, inability to use or the results of use of the Site, any Third Party Site or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Site or your downloading of any material from the Site or any websites linked to the Site.
Nothing in this legal notice shall exclude or limit Ask4Finance’s liability for:
a. fraud; or
b. misrepresentation as to a fundamental matter; or
c. any liability which cannot be excluded or limited under applicable law.
If your use of materials from this Site results in the need for servicing, repair or correction of equipment or data, you assume any costs thereof.
Other Ask4Finance Agreements
Governing Law and Jurisdiction
How to Contact Us
Ask4Finance Electronic Communication Policy
The following is our policy and information about how Ask4Finance (as the context requires We, Our or Us) uses electronic communication to enter into credit contracts and/or communicate with you in accordance with the Electronic Transaction Act 1999 (Cth) (E-C Policy).
Please read this Electronic Communication Policy prior to using the Website.
1. Types of electronic communication
There are two types of electronic information We will transmit or send to you:
|Marketing||Information relating to obtaining your Veda Score or other credit information, advertisements or promotion of Ask4Finance services.||Emails containing information on new access seeker services or promotions;|
|Operational||Information relating to your servicing information including information regarding fees and charges and terms and conditions published by Ask4Finance.||Text messages notifying you of the progress of your request for information; orEmail notifying you of the status of your information request.Email notifying you of your Veda Score or other credit score and other information|
2. Methods of electronic communication
We will communicate any marketing, operational and/or information to you via the Website email, SMS and any other electronic communication utilised by Us.
We will not transmit or send an email or SMS requesting you verify or provide any account details, financial details, or login details or any website. Refer to ‘suspicious electronic communication’ below.
3. Your consent
You acknowledge and agree to give your consent to Ask4Finance contacting credit reporting bureau, such as Veda, and/or receive electronic information from Ask4Finance by way of our electronic communication methods when you use the Website or otherwise electronically interact with Ask4Finance.
You can contact Us at any time if you do not want to receive marketing electronic messages. Withdrawing your consent to receive marketing electronic messages does not withdraw your consent to receive operational electronic information.
4. How to opt out of receiving marketing communications
There are a number of ways you can opt out of receiving marketing communications:
|Type||How to opt-out|
|Email marketing||An unsubscribe option will be provided in each marketing email.|
|SMS marketing||An unsubscribe option will be provided in each marketing SMS.|
|All electronic marketing communications||An unsubscribe option will be provided in all electronic marketing communication. Alternatively you can email Us on email@example.com to be removed from further marketing.|
5. Suspicious electronic communication
Understanding our Electronic Communication Policy will assist you in identifying any suspicious or fraudulent electronic communication, for example attempts to acquire sensitive information, such as usernames, passwords and credit card details and/or false representation of Ask4Finance or any other organisation. If you suspect or experience any illegitimate electronic communication please contact us on firstname.lastname@example.org
Electronic communication means message transmitted and/or received by: email, short message service (SMS), multimedia message service (MMS) or instant messaging or WAP.
Email (electronic mail) means the act of sending a message or messages by electronic means to one or more recipients via a network.
Opt-out means remove permission to receive electronic communications.
SMS/Text message (short message service (SMS)) means sending short messages, to and from mobile phones.
Website means the Ask4Finance website located at www.Ask4Finance.com.au.