Terms and conditions

TERMS OF USE

1. About this website

This is a website operated under the domain name avantfinancialservices.com (Avant Financial Services’ Website or Website). The Avant Financial Services’ Website is operated on behalf of Avant Doctors’ Finance Pty Ltd ACN 637 769 361, Australian Credit Licence 526049 and its related bodies corporate including Avant Doctors’ Finance Brokers Pty Ltd (ACN 640 406 784) (Avant Financial Services, we, us or our).

By using this Website you agree to these terms and conditions and Avant Financial Services’ Privacy Policy. In addition to the terms contained in this document, there may also be specific terms which form part of the terms and conditions and govern your use of and access to certain parts/sections of the Avant Financial Services’ Website. Since you are also bound by these additional terms, you should review them whenever they are accessible by you on the Avant Financial Services’ Website.

The financial and legal information on the Avant Financial Services’ Website is not comprehensive and is intended to provide a general outline only. You should not act on the basis of anything contained on the Avant Financial Services’ Website without first obtaining specific professional advice.

Avant Financial Services and/or its service provider may keep logs of your visit to this Website, which may include information about your server’s address, domain name, the date and time of your visit, the pages accessed, any documents downloaded, previous site visited and the type of browser used.

Avant Financial Services also collects personal information from you when you complete online applications for our products and services and/or transact with us online. If Avant Financial Services collects personal information through this Website it will inform you about the nature of information collected, for what purpose it is collected and how this information will be used and, if it is to be disclosed, to whom. Avant Financial Services may use cookies for the purpose of collecting information.

2. Enquiries and emails

To send an email to us via this Website, or to make an enquiry online, you will need to complete an email form available on this Website. Many of our online forms ask for a limited amount of personal information for contact purposes, such as an email address or telephone number. You have the choice of whether or not to provide additional personal information. Information provided to Avant Financial Services either directly or indirectly through these forms will be used by Avant Financial Services for the purpose advised to you at the time the information is collected, and to meet Avant Financial Services’ legal obligations.

3. Links to other websites

This Website may contain links to sites maintained by other organisations. A link from this site does not imply Avant Financial Services’ endorsement or agreement with the views of those sites. Avant Financial Services’ does not provide any warranty or take any responsibility for the accuracy, source or any other aspect of those sites.

4. Liability and indemnity

Avant Financial Services’ is not liable for any loss or damage, however caused (including through negligence), which may be directly or indirectly suffered by you or anyone else in connection with use of this Website or a linked site. To the maximum extent permitted by law, you agree to indemnify us, and hold us harmless, against any liability suffered or incurred by us arising from or in connection with your use of this Website or any breach of these terms or any applicable laws by you. This indemnity is a continuing obligation, independent from the other obligations under these terms, and continues after these terms end.  It is not necessary for us to suffer or incur any liability before enforcing a right of indemnity under these terms.

5. Copyright

Unless otherwise indicated, we own or licence all rights, title and interest (including intellectual property rights) in the content on this Website. Copyright in the material on the Avant Financial Services’ Website is owned or licensed by Avant Financial Services and unless otherwise specified, all material including data, pages, documents, online graphics, images and web pages, audio and video are protected by copyright, and may not be modified, reproduced, publicly displayed, performed, distributed or used for any public or commercial purposes without our explicit written permission.

6. No warranty and disclaimer

We give no assurance or warranty that information on this Website is current and take no responsibility for matters arising from changed circumstances or other information or material which may affect the accuracy or currency of information on this Website. We make no representations about the content and suitability of this information for any purpose. Avant Financial Services does not guarantee or warrant the Website will be uninterrupted, without delay, error-free, omission-free, or free of viruses. To the maximum extent permitted by law, Avant Financial Services will not be liable for any loss or damage which may arise as a result of the use of this Website, its content or reliance on the information on it. This includes, but is not limited to, the transmission of any computer virus.

7. Conduct

The Website may be used only for lawful purposes and it is prohibited to post on the Website any unlawful, harmful, threatening, abusive, harassing, defamatory, or obscene material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable law. You are prohibited from accessing or using this Website in any way that competes with our business or that tampers with or modifies it, knowingly transmits viruses or other disabling features, or damages or interferes with the Website, including (without limitation) via trojan horses, viruses or piracy.

8. Security

We make no representations or warranties about this Website, including (without limitation) that:

• access will be uninterrupted, error-free or free from viruses; or
• it will be secure.

Your use of this Website is at your own risk.

9. Variation and Termination

These terms and conditions may be updated from time to time. By continuing to use, access or browse this Website, you accept these terms and conditions as modified from time to time. These terms are effective until terminated by us, which we may do at any time without notice to you. In the event of termination, all restrictions imposed on you by these terms and limitations of liability set out in these terms will survive.

10. Severance

If a provision of these terms is held to be void, invalid, illegal or unenforceable, that provision must be read down as narrowly as necessary to allow it to be valid or enforceable. If it is not possible to read down a provision (in whole or in part), that provision (or that part of that provision) is severed from these terms without affecting the validity or enforceability of the remainder of that provision or the other provisions in these terms.

11. Jurisdiction

The use of this Website and these terms are governed by the laws of Victoria. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts operating in Victoria and any courts entitled to hear appeals from those courts and waive any right to object to proceedings being brought in those courts.

This Website may be accessed throughout Australia and overseas.  We make no representation that this Website complies with the laws (including intellectual property laws) of any country outside Australia.  If you access this Website from outside Australia, you are responsible for complying with the laws of the jurisdiction where you access this Website.

For any notices or queries in regards to these terms, please contact us on 1300 99 22 08 or write to us at afscontact@avant.org.au.

Last updated – August 2022