This Web site is provided by Genworth Financial Mortgage Insurance Pty Ltd, a wholly owned subsidiary of the US entity Genworth Financial Inc. By using the site or downloading materials from the site, you agree to abide by the terms and conditions set out in this notice. If you do not agree to abide by these terms and conditions do not use the site or download materials from the site.
Limited License: Subject to the terms and conditions set forth in this Agreement, Genworth grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way.
Genworth authorises you to view and download the information ["Materials") at this Web site ["Site") only for your personal, non-commercial use. This authorisation is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, Genworth does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.
Third Party Sites: As a convenience to you, Genworth may provide, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Genworth makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Genworth or this Site sponsors, endorses, is affiliated or associated with, or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo or copyright symbol of Genworth or any of its affiliates or subsidiaries.
Genworth Product Information: Except as specifically stated in these terms of use, the information contained on this Web Site:
is not an offer to sell or a solicitation to buy any security, insurance product or other product or service; and does not form part of the terms for Genworth supplying to you products and services. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. Information provided on the website does not constitute financial advice, and should not be relied upon as a substitute for professional financial advice. Where information provided on the website contains material provided by third parties, Genworth does not accept responsibility for the accuracy or completeness of any such material.
Information Provided By You: Unless you are applying online or using the online Service Centre, Genworth does not want you to, and you should not, send any confidential or proprietary information to Genworth via the Site. You agree that any such information or materials that you or individuals acting on your behalf provide to Genworth will not be considered confidential or proprietary. By providing any such information or materials to Genworth, you grant to Genworth an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that Genworth is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to Genworth. You further recognise that Genworth does not want you to, and you warrant that you shall not, provide any information or materials to Genworth that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
Exclusion and Limitation: to the extent permitted by law, all conditions, warranties and other terms implied by statute, custom or the common law are excluded from these terms of use. if any statute implies terms into these terms of use which cannot be lawfully excluded then those terms will apply and, to the extent permitted by law, the liability of Genworth for the breach of any such term will be limited, at the option of Genworth, to any one or more of the following:
in the case of goods, repair or replacement of the goods or payment for the cost of repair or replacement; in the case of services, resupply of the services or payment of the cost of the resupply.
Liability of Genworth and other members of the Genworth Group (whether that liability arises under contract, tort (including negligence) or statute) is limited to the amount paid by you, if any, for accessing this site. in no circumstances will Genworth, its subsidiaries, affiliates, or any party involved in creating, producing, or delivering this site be liable to you or to any entity for any loss or damage, however caused (including negligence), which may be directly or indirectly suffered in connection with the use of, or the inability to use, the content, materials and functions on this site or any linked site, even if Genworth or a Genworth authorized representative has been expressly advised of the possibility of such damages.
Genworth excludes liability (whether that liability arises under contract, tort (including negligence) or statute) for any incidental, consequential, special, or punitive damages (including, without limitation, any lost profits, loss of opportunity, loss of revenue, loss of anticipated savings, business interruption, loss of information or programs or other data on your information handling system) resulting from the use of, or the inability to use, the content, materials and functions on this web site or any linked web site, even if Genworth or a Genworth authorized representative has been expressly advised of the possibility of such damages.
Changes: Genworth reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes.
Genworth may terminate, change, suspend or discontinue any aspect of the Genworth Site, including the availability of any features of the Site, at any time. Genworth may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. Genworth may terminate the authorisation, rights and license given above and, upon such termination, you shall immediately destroy all Materials.
Trade Marks and Copyright: Genworth and all associated trademarks, services marks, trade names, logos, and icons are proprietary to Genworth or other members of the Genworth Group, unless otherwise noted. Nothing contained on the Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trade mark displayed on this Site without the written permission of Genworth or such third party that may own the trademarks displayed on this Site. Your use of the trademarks displayed on this Site, or any other content on this Site, except as provided herein, is strictly prohibited. Images displayed on this Site are either the property of, or used with permission by, Genworth. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
International Users and Choice of Law: This Site is controlled, operated and administered by Genworth from its offices within the Commonwealth of Australia. Genworth makes no representation that materials at this site are appropriate or available for use at other locations outside of the Commonwealth of Australia and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of Australian export laws and regulations. If you access this Site from locations outside of the Commonwealth of Australia, you are responsible for compliance with all local laws. These Terms and Conditions of use shall be governed by the laws of the State of New South Wales, Australia, without giving effect to its conflict of laws provisions.
This Agreement constitutes the entire agreement between Genworth and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within the period provided by any applicable statute of limitations. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.
Disclaimer: The materials may contain inaccuracies and typographical errors. Genworth does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. Genworth reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. Genworth may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.
Subject to any applicable provisions of the trade practices act 1974 (cth), which cannot be modified or excluded, this site, the information and materials on the site, and the software made available on the site, are provided "as is" without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose.
Any forecasts provided on this Web Site are predictive in character. Whilst every effort has been taken to ensure that the assumptions on which the forecasts are based are reasonable, the forecasts may be affected by incorrect assumption or by know or unknown risks and uncertainties. The ultimate outcomes may differ from the forecasts.
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