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Private Policy & Disclaimer

General Advice Disclaimer

The information on Firm Finance websites is general in nature and does not take into account your personal circumstances, financial needs or objectives.
Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial
situation and needs. In particular, you should seek independent leagal and financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring a financial product.

All products, facilities, rates, terms and conditions and availability herein may cease or change without written notice and no responsibility is assumed by the company (Firm Finance Pty Ltd), its directors, agents,managers, staff or empoyees to any other person for any damage (whether caused by negligence or not) arising from the use of the information contained herein.

Condition of use

Application of Conditions of Use

Firm Finance (ABN 22 071 086 274) operates this website, www.firmfinance.com.au

By accessing the Firm Finance Website, you agree to be bound by the Conditions of Use and any modifications of them.

Information and accuracy

Information provided on this Website:

·              -  is intended for Australian residents only and may not comply with non-Australian laws;

·              -  is of a general nature and does not take into account your individual circumstances, financial needs or objectives;

·              -  is not intended to be investment advice nor a recommendation or statement of opinion about any particular financial product. As a result, it

                  should not be relied upon in acquiring any product or  service offered by Firm Finance; and

·              -  is provided in good faith and derived from sources believed to be accurate and current at the date of publication.

Firm Finance does not guarantee the accuracy, adequacy or completeness of information on the Firm Finance Website or that is otherwise free from error, omission or other defect. Firm Finance reserves the right to change any information provided on Firm Finance Website without notice.

Firm Finance does not guarantee that your use of the Firm Finance Website will be uninterrupted, timely or secure.

Unless otherwise specified, all references to currency are to Australian dollars.

Firm Finance Product Information

Each Firm Finance product has its own unique features and risks (which include possible loss of money invested and fluctuating investment returns).You should always consider whether or not a particular Firm Finance product is appropriate for you, in particular you should:

·                -   understand the features and risks;

·                -   seek independent advice; and

·                -   read the relevant Product Disclosure Statement or other offer document relevant to the Firm Finance product,

When deciding whether to apply for, acquire or continue to hold that product, all such offers or documents are available by contacting Firm Finance directly.

Your conduct

You warrant that when accessing and using the Firm Finance Website you will not use it for any purpose that is unlawful or prohibited by these On-line

Conditions of Use or any other term, notice or disclaimer appearing on the Firm Finance Website. You also agree to not use the Firm Finance Website in any way that interferes with other users.

You agree to not breach or circumvent, or attempt to breach or circumvent, any security measures on the Firm Finance Website (including 'hacking') or attempt to obtain access to secure or member parts of the Firm Finance Website without authorisation.

Firm Finance retains the right to monitor your use of the Firm Finance Website and prevent further access at any time in its discretion.

Copyright and trade marks

The material on the Firm Finance Website is protected by copyright. You may only use this material for your own personal reference.
You must not otherwise use, reproduce, publish, modify, distribute, link, frame, transmit in any form or by any means, electronic or mechanical, for any purpose, any of the material on the Firm Finance Website, except with the prior written permission of Firm finance.

Trade marks used on Firm Finance Website are the property of Firm Finance or third parties with which Firm Finance has an association.

You must not use a trade mark used on the Firm Finance Website without the prior written consent of the owner of that trade mark.

Limitation of liability

You agree that your use of Firm Finance Website and reliance on any information contained on this website is entirely at your own risk.

To the extent permitted by law, Firm Finance excludes all liability for any loss or damage (including indirect or consequential loss or damage)
you or any other person suffers in connection with your use of Firm Finance Website, including your reliance on any information contained on Firm Finance Website.

Firm Finance's liability for breach of any warranty or condition implied by law that cannot be excluded is limited, at Firm finance's option, to:

·         in the case of services supplied or offered by Firm finance:

o         -   the re-supply of those services; or

o         -  the cost of having those services re-supplied.


Your personal information will be collected and used by Firm Finance in accordance with its Privacy Policy.

Governing Law

These On-line Conditions of Use and other terms, notices and disclaimers appearing on Firm Finance Website are governed by the law in force in the state of Victoria. You agree to the non-exclusive jurisdiction of the courts of Victoria, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these online conditions of use.


Firm Finance Commitment to Privacy and Responsible Use of Information

This privacy policy applies to information collected by Firm Finance and its related bodies corporate

At Firm finance, we understand your concerns about privacy and security of personal information. We are committed to protecting all personal information about you that we hold. This privacy policy describes how we manage your personal information and safeguard your privacy.

The National Privacy Principles

The National Privacy Principles “NPPs” strengthen protection of your privacy. Since 21 December 2001, most private sector organisations in Australia, have been required by law, to comply with the NPPs. Firm Finance has also been required to comply with the NPPs from that date.

Information collected

We only collect personal information that is necessary for us to perform our functions. The kind of personal information we collect and hold will depend upon the type of products and services you request from us. However, it may include:

·                -  Information you give us when you request a product or service from us. This information will include your name, address and contact details;

·                -  Financial information about you such as your financial position and information obtained from credit checks (but only if you have authorised us to carry out those checks);

·                -  Communications between us and your adviser;

·                -  If you have or had a product with us, transactional information about the use of that product; and

·                -  In a limited number of circumstances (such as in some superannuation products) your personal health information.

Using and Disclosing Your Personal Information

Any personal information that we collect about you will be used by us:

·                -  to assess your applications for products or services that we may provide; and

·                -  to provide you with the products or services.

We may also use your personal information to help us develop other products and services and to provide you with information about other products and services offered or distributed by us or our related partners.

Contracting out services and disclosures

We contract out some of our functions (such as legal documentation) to external service providers. We may disclose your personal information to these service providers but only so that they can provide the services that we have contracted out to them.

Your access to your personal information

In most cases, you can gain access to personal information that we hold about you. We will handle requests for access to your personal information in accordance with the NPPs.

Changes to our privacy policy

From time to time our privacy statement may change. We may notify you about changes to our privacy statement by posting an updated version on our website:  www.firmfinance.com.au

Contacting us

If you would like more information about how we manage your personal information, or you have any questions, or wish to complain about a breach of your privacy, please contact us on (03) 9620 4444, or write to us at the address set out below.

Firm Finance Pty Ltd

Suite 615, Level 6, 20 Queen Street

Melbourne VIC 3000



Level 2 / 124 Exhibition Street
Melbourne VIC 3000
Phone: +613 9654 9090
Fax: +613 9654 9098
Mobile: +61 418 553 009

Licence No 390620