Terms & Conditions

Website Terms and Conditions

These Website Terms and Conditions govern the general use of G&H Financial Australia’s website and do not apply to the use of G&H Financial Products or Services (such as specific credit contracts or brokerage agreements) which are governed by their own specific Terms and Conditions.

1. Application, variation and suspension

1.1 These Website Terms and Conditions govern the website operated and provided by G&H Financial.

1.2 Any use of G&H Financial’s website by you constitutes acceptance of these Website Terms and Conditions.

1.3 G&H Financial may amend, vary or modify these Website Terms and Conditions at any time. Amendments will be effective upon posting of updated terms to https://gandhfinancial.com.au/. Your continued access after such posting constitutes your consent to be bound by the Website Terms and Conditions as varied. You may cease using G&H Financial’s website if you do not agree to the variation.

1.4 G&H Financial does not guarantee that this website will be free of disruption or error. The website may be unavailable from time to time, and occasional disruptions and outages may occur, including system failure or other events beyond the reasonable control of G&H Financial and its third-party providers.

1.5 From time to time, G&H Financial may need to temporarily suspend access to this website to perform scheduled or emergency maintenance, or where reasonably necessary to protect G&H Financial’s legitimate interests. G&H Financial will use reasonable efforts to fix faults and disruptions and where practical G&H Financial will give notice of scheduled maintenance by posting a notice on this website.

2. Privacy

2.1 By accessing or using this website or otherwise contacting G&H Financial, you agree and acknowledge that your personal information will be collected, used, disclosed and held in accordance with our Privacy Policy, which may be updated by G&H Financial from time to time.

3. Cookies

3.1 This website uses cookies and device identifiers to identify visitors to this website, gather statistical information, store user preferences, activity, and session information, improve security, enhance website functionality, improve services and show G&H Financial’s ads across the internet and devices. G&H Financial also uses web analytics and session recording technology (such as Google Analytics) provided by third party service providers. These services use cookies to assist us in understanding how visitors access and utilise our website.

3.2 You can opt-out of G&H Financial’s use of cookies in your browser at any time by setting your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this website may then be inaccessible or not function properly.

3.3 For more information on how G&H Financial uses cookies and device identifiers please see our Privacy Policy.

4. Disclaimer and Liability

4.1 While G&H Financial provides the website and its contents in good faith. The website is provided on an “as is” and “as available” basis, except as required by G&H Financial under the consumer guarantees in the Australian Consumer Law:

(a) G&H Financial disclaims all conditions, warranties, guarantees, rights and remedies, liabilities and other terms that may be implied by custom, statute or common law;

(b) G&H Financial does not warrant or guarantee the reliability, accuracy, timeliness, quality, suitability or availability of the website or the content, information or materials on this website or any websites linked to this website;

(c) The entire risk arising out of the use of this website and its content remains solely with the user, to the maximum extent permitted under applicable law, including the Australian Consumer Law;

(d) G&H Financial does not guarantee or warrant that this website will be uninterrupted or error-free or that this website or any files obtained from or through this website are free from harmful code, computer viruses or other defects;

(e) G&H Financial will not be liable for any damages, liability or losses arising out of your use of or reliance on this website or its content; and

(f) G&H Financial will not be liable for any loss or damage of any kind, whether direct, indirect, special, incidental, exemplary, punitive or consequential damages, including loss of revenue or profits, lost data, or property damage related to or in connection with your use of this website.

4.2 Any commentary or information on this website is produced by G&H Financial and is intended to give general information at the time of publication. The content does not constitute financial, legal, or taxation advice and should not be relied upon as such. As a Commercial & Asset Finance Brokerage, we recommend formal professional advice should be sought in any particular matters.

4.3 Information on this website regarding financial products and interest rates is indicative only and subject to change without notice based on lender criteria.

5. Intellectual Property

5.1 Intellectual property rights (including any copyright, trademark rights) in the content on this website vests in G&H Financial, subject to any third-party rights.

5.2 G&H Financial business name and the G&H Financial logo are trademarks of G&H Financial.

5.3 Nothing contained on this website is to be construed as granting a licence to use any content on this website. You may not use, reproduce or modify any content displayed on this website including G&H Financial’s logo or trademark/s without G&H Financial’s written consent.

5.4 You may not pass off content from this website as your own. This includes the practice of “Framing” this website within another website as well as copying and re-using parts of the website.

6. Linking to other Websites

6.1 This website may contain links to other websites (such as lenders or financial institutions). G&H Financial does not endorse or approve such websites, neither does it warrant, approve of, or accept any liability or responsibility for the use of any such websites. Access to these websites is at your own risk.

7. Guidelines for linking to this website

7.1 You are welcome to put links on your website pointing to the G&H Financial’s website. In such case we request that you adopt the following guidelines for linking:

(a) Links to G&H Financial’s site should usually be to the home page, i.e. https://gandhfinancial.com.au/.

(b) The correct name for the website is G&H Financial; and

(c) G&H Financial’s logo and its variants are subject to copyright. They may only be used with written permission from G&H Financial.

8. Governing Law

8.1 The laws of the State of New South Wales and the Commonwealth of Australia govern these website Terms and Conditions and any agreement formed under them. You and G&H Financial irrevocably and unconditionally submit to the non-exclusive jurisdiction of the Courts of the State of New South Wales, Australia.

9. Prohibited Activity

9.1 You are prohibited from doing any act that G&H Financial in its reasonable discretion, deems to be inappropriate or is prohibited by any laws, regulations or codes of any regulatory bodies:

(a) By use of this website, you are prohibited from doing any act that constitutes a breach of either the privacy policy or any other of the legal rights of individuals; and

(b) You are prohibited from using this website to defame G&H Financial, its officers, employees, or other individuals or acting in such a way that brings into disrepute the good name of G&H Financial.

9.2 You are prohibited from uploading files that contain viruses that may cause damage to G&H Financial’s property or the property of other individuals.

10. Termination

10.1 G&H Financial reserves the right to restrict or terminate your access to this website or any feature of the website at any time:

(a) Any indemnities you give and limitations on our liability will survive termination;

(b) Any termination of your access to this website will not affect any rights which have accrued to, or accrued by, you or us prior to termination; and

(c) G&H Financial may disclose any information we may have about a user in relation to an investigation, claim or allegation that your use of the website is in breach of these Terms and Conditions.

10.2 G&H Financial reserves a right to identify or bring legal action against any person who is breaching these Terms and Conditions, including obtaining injunctive relief.