Website Terms and Conditions

  1. Introduction
    1. This website (www.reliefbusinessloans.com.au) (the RBL Website) is created and controlled by CNJ & CO PTY LTD (ACN 684 736 276) trading as Relief Business Loans (we, us or our).
    2. These terms and conditions of use (Terms of Use), together with our Privacy Policy, apply to your use of the information and referral services made available through the RBL Website. The term you or your refers to the person or organisation accessing, using or relying upon the RBL Website and the referral services offered, on or via, the RBL Website.
    3. Please read these Terms of Use carefully before accessing or using the referral services available through the RBL Website. Whenever you complete any forms on the RBL Website or otherwise access or use our referral services on the RBL Website you indicate that you have read, understood and accept these Terms of Use, together with our Privacy Policy, and that you agree to be bound by them. Please contact us at info@reliefbusinessloans.com.au if you have any questions in relation to the use of the RBL Website. If you do not wish to comply with the Terms of Use, you should not access or use the RBL Website, complete any forms or otherwise use our referral services offered, on or via, the website.
  2. The RBL Website
    1. The RBL Website is a portal or online financial information and referral platform for introducing potential borrowers to potential lenders who can provide the borrower with a range of financial products and services to meet their individual needs and circumstances.
    2. We are a mere online information and finance referral service. We do not offer or provide financial products or services, financial or lending advice, brokerage or credit lending services. Our role in providing you with access and use of the RBL Website is to be construed strictly in this context only.
  3. Information provided on the RBL Website
    1. The purpose of the RBL Website is to provide you with information about financial products and services offered by financial institutions, credit providers and lenders and to refer you to potential financial institutions, credit providers and lenders who can provide you with financial products and services. The information and material contained on the RBL Website does not take into account your individual needs, objectives or circumstances, and it does not constitute legal, financial, taxation, investment or other advice. Any reliance on, and use of, the information and material contained on the RBL Website is at your own risk.
    2. We do not warrant the accuracy or completeness of the information and material provided on, or via, the RBL Website and we are under no obligation to update this information or material nor notify you of any changes unless required by law. We assume no responsibility or liability for any such inaccuracies, errors or omissions, and we are not liable to you or anyone else for any use or reliance upon any information or material contained on, or via, the RBL Website.
    3. We do not recommend or endorse any lenders or financial services providers, AFS licensees, financial products and services or content appearing on, or via, the RBL Website, or any user generated content appearing on or via social media pages or other sites which are linked to the RBL Website, nor imply any association or affiliation with their owners or operators. Such third-party references or links are provided for your information and convenience only. Your linking to or from these sites, or use of, or reliance on, such sites, products or services is at your own risk. We have no control over the contents, quality, integrity of those third-party sites, products or services, and we accept no responsibility for them or for any loss or damage that may arise from your access to, and use of them (notwithstanding anything else contained herein or otherwise).
  4. Referral Services
    1. The RBL Website enables you to submit your contact details (such as your full name, company name, ABN, mobile number and email address) (Contact Details) and the type of loans, financial products or services you are seeking (Financial Information). for the purpose of introducing you to, or connecting you with, lenders, financial services providers or AFS licensees who may be able to provide you with financial information, products and/or services (Service Providers). You acknowledge and agree that one or more Service Providers may, at their absolute discretion, contact you directly by email, text message or phone.
    2. You consent to us, our Related Bodies Corporate (as defined in the Corporations Act 2001 (Cth)) or a Service Provider (as context permits) contacting you by text message, email or mobile phone for the purposes outlined in these Terms of Use until such time as you withdraw your consent.
    3. We will only use your Contact Details and Financial Information for lawful purposes contemplated under this Term of Use or otherwise permitted at law or pursuant to our Privacy Policy.
    4. You acknowledge that:
      1. once we provide your Contact Details and Financial Information to a Service Provider, we have no further role in the financial services or lending process and it is your sole responsibility to interact, communicate and transact with any Service Provider who contacts you directly. You are under no obligation to purchase or accept any financial services or products from a Service Provider who we have introduced you to; and
      2. by providing your Contact Details and Financial Information to a Service Provider, we do not endorse, guarantee or warrant the creditworthiness, reliability, legitimacy, repute, or credibility of any Service Provider nor the willingness of Service Providers to provide you with any financial services or financial products or otherwise transact with you.
    5. You warrant and represent that, in relation to any Personal Information comprising your Contact Details, Financial Information or other information disclosed to us on, or via, the RBL Website:
      1. it has been collected in accordance with the Privacy Act 1988 (Cth), Do Not Call Register Act 2006 (Cth) and the Spam Act 2003 (Cth) (as applicable);
      2. you have the authority to upload, post, publish or otherwise transmit such Contact Details, Financial Information or other information on, or via, the RBL Website; and
      3. you have obtained the informed consent of the individuals who are the subject of such Personal Information in order for us to use, disclose, store, transfer, process or handle it and otherwise share such Contact Details and Financial Information with Service Providers for the purposes outlined in these Terms of Use.
    6. Service Providers may pay us an introduction or referral fee or commission-based remuneration for referring you to the Service Provider. We do not charge you a fee to refer you to a Service Provider or to otherwise access and use the RBL Website.
  5. Access and use of the RBL Website
    1. We will not be liable to you or anyone else if for any reason the RBL Website is unavailable (wholly or partly) at any time or for any period.
    2. Access to the RBL Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the referral services or, information and content we provide on, or via, the RBL Website at any time without notice. From time to time, we may restrict access to some parts of the RBL Website (wholly or partly).
    3. You are responsible for making all arrangements necessary for you to have access to the RBL Website. You are also responsible for ensuring that all persons who access the RBL Website through your internet connection or mobile telephone are aware of these Terms of Use, and that they comply with them.
    4. When accessing and using the RBL Website you must not misuse, disrupt, impair or undermine the security or integrity of the website or our computing systems or networks, or any computing systems or networks involved in maintaining the RBL Website, or gain unauthorised access to any systems or materials other than those you have been given express permission to access.
    5. You must not use this website to post, distribute or transmit any files that may damage any other person’s computing devices or software (including any virus, worm, Trojan, or other harmful software or component), content or material that may be offensive, or material or data in violation of any law.
  6. Liability and disclaimer
    1. The Internet is not a secure medium and communications to and from the RBL Website may be intercepted or altered in transit. We do not warrant and are not liable to you or any third person for any loss or damage arising out of, or in connection with, any virus, system failure or other technologically harmful material that may infect your computer equipment, systems, or data due to your access to, or use of, the RBL Website or any links to third party sites, and for the downloading of any material posted on the RBL Website or any third party site.
    2. The RBL Website, any information, content or material displayed on, or via, the RBL Website and our referral services are provided to you ‘as is’ and ‘as available’ without warranty conditions or guarantees as to their accuracy, completeness, timeliness, reliability, currency or fitness for purpose. It is your sole responsibility to determine that the RBL Website, information, content, referral services and Service Providers introduced to you on, or via, the RBL Website (and the financial products and services and financial advice provided by such Service Providers) meets your personal or business needs and is suitable for the purposes for which it is used.
    3. To the maximum extent permitted by law, we exclude all express or implied representations, conditions, statutory guarantees, warranties and provisions (whether based on statute, common law or otherwise), in connection with access to, and use of, the RBL Website, the referral services and the financial products and services and financial advice provided by Service Providers introduced to you on, or via, the RBL Website, or any information, content or material displayed on, or via, the RBL Website, any social medial pages and third party sites linked to it.
    4. Nothing contained in these Terms of Use excludes, restricts or modifies the application of any condition, warranty or other obligation, the exercise of any right or remedy, or the imposition of any liability under the Competition and Consumer Act 2010 (Cth) or any other national, State or Territory legislation where to do so is unlawful.
    5. Without limitation to the foregoing, you agree that in no event will our maximum aggregate liability exceed AUD $10. To the maximum extent permitted by law, we, our relates bodies corporate (as defined in the Corporations Act 2001 (Cth), directors, employees, contractors and agents will not be liable to you or anyone else for any for any liabilities, claims, suits, demands, costs and expenses (including legal costs), damage or injury (including personal injury), or any special, direct, indirect or consequential loss or damage, or contracts, loss of anticipated or actual profits, loss arising from business interruption, loss of anticipated or actual revenue, economic loss, loss of anticipated savings, loss of data, loss of use, loss of privacy, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, arising out of, or in connect with, the RBL Website, any social media pages and third party sites linked to it, the use or inability to use, or rely on, the RBL Website, any information, content or material displayed on, or via, the RBL Website, the referral services, the financial products and services and financial advice provided by Service Providers introduced to you on, or via, the RBL Website or these Terms of Use.
  7. Intellectual Property
    1. All information, text, materials, graphics, logos, button icons, video and audio clips, trade marks (whether registered or not), layout, control features, advertisements, arrangement, graphical user interface, look and feel, databases, images, links, and software published or otherwise contained on the RBL Website (Our Content) is our exclusive property. This website and Our Content is protected by copyright, trade mark and other intellectual property laws.
    2. You may download and print Our Content from the RBL Website for your own personal or internal business purposes only. You are not allowed to modify, adapt, copy, distribute, transmit, display, reproduce, publish, license, incorporate in other works (whether electronic or not), transfer, or sell any of Our Content found on or obtained from the RBL Website, or our social media sites, without our written consent.
  8. Links to or from other sites
    1. Links to other sites from the pages on the RBL Website are for your information and convenience only. In providing a link we do not endorse, and accept no responsibility for any material on, any site that is linked from, or that links to the RBL Website. Such sites may be controlled or produced by third parties. You must make your own decision to use such sites and to accept their terms of use and privacy and other policies.
    2. You must not create or maintain any link from another website to the RBL Website without our written consent. To request our written consent, please contact us via email at info@reliefbusinessloans.com.au.
  9. Amendments
    1. We reserve the right to change, update, or correct the Terms of Use or any information contained on the RBL Website at any time without notice by posting amended Terms of Use to the RBL Website. Your continued use of the RBL Website means that you accept and agree to the revised Terms of Use. If you do not accept these Terms of Use (as amended from time to time), you should stop accessing and using the RBL Website immediately.
  10. General
    1. Any failure or delay by us in enforcing any provision in these Terms of Use will not be construed as a waiver of any of our rights hereunder. No waiver is effective unless it is expressly stated by us to be a waiver and is communicated to you in writing.
    2. No agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created between you and us by these Terms of Use.
    3. If any court decides that any of the provisions of these Terms of Use are invalid, unlawful or unenforceable to any extent, that term will, to that extent only, be severed from the remaining terms. The rest of these Terms of Use will continue to be valid.
    4. These Terms of Use are governed by the laws of the state of Victoria, Australia and each party submits to the jurisdiction of the courts of the state of Victoria, Australia.
  11. Further information
    1. If you have any queries or would like further information about these Terms of Use, the RBL Website, the referral services or any Service Provider, please contact us at info@reliefbusinessloans.com.au.