Teamwork Finance's Terms and Conditions

Teamwork Finance Web Site Terms & Conditions

Access to this Site is subject to our Terms & Conditions.

Terms & Conditions

Before accessing our Site, you need to carefully read the following information. You are most welcome to visit our website including use of any of the services, but in so doing, you are bound by the terms & conditions outlined here. If you do not agree to abide by these Terms & Conditions, do not use the Site or download information from the Site.

1. Teamwork Finance Group
This website is the property of and provided by Teamwork Finance Financial Services Pty Ltd ABN 81 099 054 225 ("Teamwork Finance"). A reference to Teamwork Finance is a reference to Teamwork Finance Financial Services Pty Ltd and its related entities, collectively and individually.

Entities in the Teamwork Finance Group are not responsible or liable in respect of products or services provided by other entities within the Teamwork Finance Group and do not guarantee the obligations or liabilities of those entities.

2. Changes To These Terms & Conditions
Teamwork Finance reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms & Conditions in whole or in part, at any time. Changes to these Terms & Conditions will be effective when notice of such change is posted. Your continued use of the Site after any changes are posted will be considered acceptance of those changes.

3. Limited Licence
Subject to these Terms & Condition, Teamwork Finance grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and authorises you to view and download the information at this Site only for your personal, non-commercial use. You agree not to interrupt or attempt to interrupt the operation of the Site or our systems in any way.

4. General Information
The information appearing in this Site is for general information purposes only and does not constitute an offer or an intention to enter into a legally binding contract.

5. Advice
Teamwork Finance does not provide in this Site any investment, legal, financial or taxation advice as to the suitability of any products and services for your particular needs. For such advice you should seek such guidance from a suitably qualified person or agent.

6. Non-Australian Residents
The products and services described in this Site are not available in countries or to residents of countries, where it is unlawful to provide the information included in this Site or where it is unlawful to offer the products and services described in this Site. The availability of some products and services may be limited to Australian residents only and may be limited to residents of certain States or Territories of Australia only.

The information presented in this Site has been provided in accordance with Australian laws and may not satisfy the laws of other countries. If you access this Site from a location outside of the Commonwealth of Australia, you are responsible for compliance with all local laws.

7. Liability
While all reasonable care has been taken in producing the information in this website, Teamwork Finance does not guarantee the accuracy of any such information and it should not be relied upon as being accurate or complete. We recommend that you discuss any products or services you may be interested in with Teamwork Finance, before you act on any information contained in this Site. You acknowledge that any reliance on any information shall be at your sole risk.

Subject to any liability implied by law, which cannot be excluded, Teamwork Finance is not responsible for any direct or indirect loss, damage, cost or expense incurred, arising out of or in connection with information on this Site, or the use of, or the inability to use, the content, and functions of the Site. The information on the Site is provided "as is" without any representation or warranty, express or implied, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose.

8. Cookies
A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. We have no access to or control over these cookies.

9. Sharing
We will share aggregated demographic information with our partners, advertisers and sponsors. This is not usually linked to any personal information that can identify any individual person. If we use an outside company to ship orders / process emails and registrations, and a credit card processing company to bill users for goods and services, these companies do not retain, share, store or use personally identifiable information for any secondary purposes. We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

10. Links
This web site contains links to other sites. Please be aware that we Teamwork Finance are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site. Newsletter If a user wishes to subscribe to our newsletter, we ask for contact information such as name and email address.

11. Security
This website takes every precaution to protect our users' information. When users submit sensitive information via the website, your information is protected both online and off-line. When our registration/order form asks users to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our payment form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just 'surfing'. While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers' information is protected.

12. Client Access
We send all new members a welcoming email to verify password and username. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications.

13. Changes To This Web Site
Any or all information within this Site can be withdrawn or varied, including the availability of any features of the Site, without notice or liability. Teamwork Finance may also impose limits on certain features and services or restrict your access to any or all parts of the Site, without notice or liability. Teamwork Finance may terminate the authorisation, rights and license given above and, upon such termination; you shall immediately destroy all information.

14. Security
Where you wish to send us any information over the Internet, Teamwork Finance is concerned about the security of any such information and takes reasonable measures to ensure it is kept secure. However, Teamwork Finance will not be responsible for any unauthorised access to that information. If you are not comfortable sending any information over the Internet, please contact us for assistance.

15. System Requirements
For maximum performance we recommend that you use either Internet Explorer 5.0+ or Netscape Navigator v4.7+ on WindowsNT, Windows95 and above. The Site is optimised for viewing at a resolution of 1024x768 with 32 bit (16,000,000+) colours.

16. Copyright
The content of this Site is owned by Teamwork Finance and is protected by copyright, trademark, patents and or other proprietary rights and laws. You may download and print a single copy for use as a reference for non-commercial purposes only. No part of this Site may be reproduced, adapted or transmitted without the written consent of Teamwork Finance.

17. Trademarks
Teamwork Finance and Teamwork Finance Financial Services logos are registered trademarks of Teamwork Finance.

18. Technical Problems
If you have any technical problems with this Site, please email

19. Feedback
If you have any comments or suggestions about our Site please email

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