By accessing this Site, you are indicating your acknowledgement and acceptance of the Terms Of Use which are subject to change by our Company at any time in its discretion. Your use of this Site after such changes are implemented constitutes your acknowledgment and acceptance of the changes.

Access To This Site:

You must be Eighteen (18) Years or older to access this Web Site. If you are under Eighteen Years of Age, you are not permitted to access this Web Site for any reason. Due to the age restrictions for use of this Web Site, no information obtained by this Web Site, falls within the Child Online Privacy Act (COPA) and is not monitored as doing so.

To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete.

Restrictions On Use:

The material and content accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by our Company is the proprietary information of our Company or the party that provided the Content to our Company, and our Company or the party that provided the Content to our Company retains all right, title, and interest in the Content.

Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of our Company, or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use. Modification or use of the Content except as expressly provided in these Terms of Use violates our Company's intellectual property rights.

Hyper-Links:

This site may be hyper-linked to other sites which are not maintained by, or related to, our Company. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or our Company.

Our Company has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyper-links are to be accessed at the user's own risk, and our Company makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site.

Further, the inclusion of any hyper-link to a third-party site does not necessarily imply endorsement by our Company of that site.

Disclaimer:

You understand that our Company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties.

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data.

Our Company does not assume any responsibility or risk for your use of the Internet.

The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by our Company. Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment.

Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK.

The Content is provided "as is" and without warranties of any kind, either expressed or implied. Our Company disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, TITLE, OR NON-INFRINGEMENT.

Our Company does not warrant that the functions OR CONTENT contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components.

Our Company does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and our Company may make changes or improvements at any time. You and not our Company, assume the entire cost of all necessary servicing, repair or correction.

In the event of any loss or damage arising from the use of this Site or its content our Company makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content.

Trademarks:

Trademarks, service marks, and logos appearing in this site are the property of our Company or the party that provided the trademarks, service marks, and logos to our Company.

Our Company and any party that provided trademarks, service marks, and logos to Our Company retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.

Security:

Our Company reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing our Company to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

Miscellaneous:

These Terms of Use will be governed and interpreted pursuant to the laws of Queensland, Australia, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Queensland in connection with any dispute between you and our Company arising out of these Terms of Use or pertaining to the subject matter hereof.

The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts in Maroochydore, Queensland.

If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Our Company may revise these Terms of Use at any time by updating this posting.

Last updated: 14/3/05