Site Terms of Use

Introduction
1. These terms and conditions govern your use of our websites.
2. By using any of our websites, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our websites.
3. If you register with any of our websites, submit any material to our websites or use any of our website services, we will ask you to expressly agree to these terms and conditions.
4. You must be at least 18 years of age to use our websites; by using our websites or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
Credit
1. This document was adapted from a template provided by Docular (https://docular.net).
Copyright notice
1. Copyright (c) 2022 FactNexus Pty Ltd.
2. Subject to the express provisions of these terms and conditions:
  1. we, together with our licensors, own and control all the copyright and other intellectual property rights in our websites and the material on our websites; and
  2. all the copyright and other intellectual property rights in our websites and the material on our websites are reserved.
Permission to use website
1. You may:
  1. view pages from our websites in a web browser;
  2. download pages from our websites for caching in a web browser;
  3. use our websites' services by means of a web browser,
  subject to the other provisions of these terms and conditions.
2. Except as expressly permitted by Section 4.1 or the other provisions of these terms and conditions, you must not download any material from our websites or save any such material to your computer.
3. You may only use our websites for your own personal and business purposes; you must not use our websites for any other purposes.
4. Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our websites.
5. Unless you own or control the relevant rights in the material, you must not:
  1. republish material from our websites (including republication on another website);
  2. sell, rent or sub-license material from our websites;
  3. show any material from our websites in public;
  4. exploit material from our websites for a commercial purpose; or
  5. redistribute material from our websites.
6. Notwithstanding Section 4.5, you may redistribute our newsletters in print and electronic form to any person.
7. We reserve the right to suspend or restrict access to our website, to areas of our websites and/or to functionality upon our websites. We may, for example, suspend access to the websites during server maintenance or when we update the websites. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on the websites.
Misuse of websites
1. You must not:
  1. use our websites in any way or take any action that causes, or may cause, damage to the websites or impairment of the performance, availability, accessibility, integrity or security of the websites;
  2. use our websites in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity;
  3. hack or otherwise tamper with our websites;
  4. probe, scan or test the vulnerability of our websites without our permission;
  5. circumvent any authentication or security systems or processes on or relating to our websites;
  6. use our websites to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
  7. impose an unreasonably large load on our websites resources (including bandwidth, storage capacity and processing capacity);
  8. decrypt or decipher any communications sent by or to our websites without our permission;
  9. conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our websites without our express written consent;
  10. access or otherwise interact with our websites using any robot, spider or other automated means, except for the purpose of search engine indexing;
  11. use our websites except by means of our public interfaces;
  12. violate the directives set out in the robots.txt file for our websites;
  13. use data collected from our websites for any direct marketing activity (including without limitation email marketing, SMS marketing, telemarketing and direct mailing); or
  14. do anything that interferes with the normal use of our websites.
2. You must not use data collected from our websites to contact individuals, companies or other persons or entities.
3. You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.
Registration and accounts
1. You may register for an account with our websites by completing and submitting the account registration form on our website, and clicking on the verification link in the email that the websites will send to you.
2. You must not allow any other person to use your account to access the websites.
3. You must notify us in writing immediately if you become aware of any unauthorised use of your account.
4. You must not use any other person's account to access the websites, unless you have that person's express permission to do so.
User login details
1. If you register for an account with any of our websites, you will be asked to choose a user ID and password.
2. Your user ID must not be liable to mislead and must comply with the content rules set out in Section 10; you must not use your account or user ID for or in connection with the impersonation of any person.
3. You must keep your password confidential.
4. You must notify us in writing immediately if you become aware of any disclosure of your password.
5. You are responsible for any activity on our websites arising out of any failure to keep your password confidential, and may be held liable for any losses arising out of such a failure.
Cancellation and suspension of account
1. 8.1 We may:
  1. suspend your account;
  2. cancel your account; and/or
  3. edit your account details,
2. at any time in our sole discretion with or without notice to you.
3. We will usually cancel an account if it remains unused for a continuous period of 18 months.
4. You may cancel your account on any of our websites using your account control panel on the website.
Our rights to use your content
1. In these terms and conditions, "your content" means all works and materials (including without limitation text, graphics, images, audio material, video material, audio-visual material, scripts, software and files) that you submit to us or our websites for storage or publication on, processing by, or transmission via, our websites.
2. You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future media.
3. You grant to us the right to sub-license the rights licensed under Section 9.2.
4. You grant to us the right to bring an action for infringement of the rights licensed under Section 9.2.
5. You hereby waive all your moral rights in your content to the maximum extent permitted by applicable law; and you warrant and represent that all other moral rights in your content have been waived to the maximum extent permitted by applicable law.
6. You may edit your content to the extent permitted using the editing functionality made available on our websites.
7. Without prejudice to our other rights under these terms and conditions, if you breach any provision of these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may delete, unpublish or edit any or all of your content.
Rules about your content
1. You warrant and represent that your content will comply with these terms and conditions.
2. Your content must not be illegal or unlawful, must not infringe any person's legal rights, and must not be capable of giving rise to legal action against any person n each case in any jurisdiction and under any applicable law.
3. Your content, and the use of your content by us in accordance with these terms and conditions, must not:
  1. be libellous or maliciously false;
  2. be obscene or indecent;
  3. infringe any copyright, moral right, database right, trade mark right, design right, right in passing off or other intellectual property right;
  4. infringe any right of confidence, right of privacy or right under data protection legislation;
  5. constitute negligent advice or contain any negligent statement;
  6. constitute an incitement to commit a crime, instructions for the commission of a crime or the promotion of criminal activity;
  7. be in contempt of any court or in breach of any court order;
  8. be in breach of racial or religious hatred or discrimination legislation;
  9. be blasphemous;
  10. be in breach of official secrets legislation;
  11. be in breach of any contractual obligation owed to any person;
  12. be untrue, false, inaccurate or misleading;
  13. consist of or contain any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage;
  14. constitute spam;
  15. be offensive, deceptive, fraudulent, threatening, abusive, harassing, anti-social, menacing, hateful, discriminatory or inflammatory.
Limited warranties
1. We do not warrant or represent:
  1. the completeness or accuracy of the information published on our websites;
  2. that the material on the websites is up to date;
  3. that the websites will operate without fault; or
  4. that the websites or any service on the websites will remain available.
2. We reserve the right to discontinue or alter any or all of our websitesservices, and to stop publishing any of our website,s at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
3. To the maximum extent permitted by applicable law and subject to Section 12.1, we exclude all representations and warranties relating to the subject matter of these terms and conditions, our websites and the use of our websites.
Limitations and exclusions of liability
1. Nothing in these terms and conditions will:
  1. limit or exclude any liability for death or personal injury resulting from negligence;
  2. limit or exclude any liability for fraud or fraudulent misrepresentation;
  3. limit any liabilities in any way that is not permitted under applicable law; or
  4. exclude any liabilities that may not be excluded under applicable law.
2. The limitations and exclusions of liability set out in this Section 12 and elsewhere in these terms and conditions:
  1. are subject to Section 12.1; and
  2. govern all liabilities arising under these terms and conditions or relating to the subject matter of these terms and conditions, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty, except to the extent expressly provided otherwise in these terms and conditions.
3. To the extent that our websites and the information and services on our websites are provided free of charge, we will not be liable for any loss or damage of any nature.
4. We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
5. We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
6. We will not be liable to you in respect of any loss or corruption of any data, database or software.
7. We will not be liable to you in respect of any special, indirect or consequential loss or damage.
8. You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the websites or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
Breaches of these terms and conditions
1. Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
  1. send you one or more formal warnings;
  2. temporarily suspend your access to our websites;
  3. permanently prohibit you from accessing our websites;
  4. block computers using your IP address from accessing our websites;
  5. contact any or all of your internet service providers and request that they block your access to our websites;
  6. commence legal action against you, whether for breach of contract or otherwise; and/or
  7. suspend or delete your account on our websites.
2. Where we suspend or prohibit or block your access to our websites or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).
Variation
1. We may revise these terms and conditions from time to time.
2. The revised terms and conditions shall apply to the use of our websites from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions.
3. If you have given your express agreement to these terms and conditions, we will ask for your express agreement to any revision of these terms and conditions; and if you do not give your express agreement to the revised terms and conditions within such period as we may specify, we will disable or delete your account on the website, and you must stop using the website.
Assignment
1. You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
2. You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
Severability
1. If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
2. If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Third party rights
1. A contract under these terms and conditions is for our benefit and your benefit, and is not intended to benefit or be enforceable by any third party.
2. The exercise of the parties' rights under a contract under these terms and conditions is not subject to the consent of any third party.
Entire agreement
1. Subject to Section 12.1, these terms and conditions together with our privacy policy, shall constitute the entire agreement between you and us in relation to your use of our websites and shall supersede all previous agreements between you and us in relation to your use of our websites.
Law and jurisdiction
1. These terms and conditions shall be governed by and construed in accordance with Australian law.
2. Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of the state of New South Wales, Australia.
Our details
1. This website is owned and operated by FactNexus Pty Ltd.
2. We are a registered Australian Corporation with ABN: 46 086 885 092 and our registered office is at Suite 703, Level 7, The Trust Building, 155 King Street Sydney NSW 2000.