Terms and Conditions of Use

YOUR USE OF THIS WEB SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE TERMS AND CONDITIONS OF USE.

This Web site, including all of its features and content (the “Web Site”) is a service made available by Foresight Publishing Pty Ltd and all content, information and software provided on and through this Web Site (“Content”) may be used solely under the following terms and conditions (“Terms of Use”).

Web Site Limited License

As a user of this Web Site you are granted a nonexclusive, nontransferable, revocable, limited license to access and use this Web Site and Content in accordance with these Terms of Use. Provider may terminate this license at any time for any reason.

Limitations on Use

The Content on this Web Site is for your personal use only and not for commercial exploitation. Notwithstanding the foregoing, to the extent this Web Site provides electronic commerce, such buying opportunities may be made available for group as well as personal purchasing, so long as you are authorised to make purchases on behalf of such group.

You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense, or create derivative works from this Web Site or the Content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage, individual identities or users. You may not use any robot, spider, other automatic software or device, or manual process to monitor or copy our Web Site or the Content without Foresight Publishing's prior written permission. You may not copy, modify, reproduce, republish, distribute, display, or transmit for commercial, non-profit or public purposes all or any portion of this Web Site, except to the extent permitted above. Any unauthorised use of Retail Banking Review content is prohibited.

Limit of users for single-user site license subscriptions

Your subscription is limited to 2 users per subscription. This means you can log in from two different computers (eg work and home), or two different browsers on the same computer (eg Internet Explorer and Firefox).

Under no circumstances are simultaneous logins permitted.

Not Legal Advice

Content is not intended to and does not constitute legal advice and no attorney-client relationship is formed, nor is anything submitted to this Web Site treated as confidential. The accuracy, completeness, adequacy or currency of the Content is not warranted or guaranteed. Your use of information on this Web Site or materials linked from this Web Site is at your own risk.

Intellectual Property Rights

Except as expressly provided in these Terms of Use, nothing contained herein shall be construed as conferring any license or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights. You agree that the Content and Web Site are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws.

Linking to this Web Site

You may provide links only to the homepage of this Web Site, provided you do not remove or obscure, by framing or otherwise, any portion of the homepage, including its advertisements, the terms of use, the copyright notice, or other notices on this Site and you discontinue providing links to this Web Site if requested by Foresight Publishing.

License of Your Content to Provider

By uploading content to or submitting any materials for use on this Web Site, you grant (or warrant that the owner of such rights has expressly granted) Foresight Publishing a perpetual, worldwide, royalty-free, irrevocable, non-exclusive right and license, with right to sublicense, to use, reproduce, modify, adapt, publish, publicly perform, publicly display, digitally display and digitally perform translate, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed throughout the universe. You agree that you shall have no recourse against Foresight Publishing for any alleged or actual infringement or misappropriation of any proprietary right in your communications to us.

No Solicitation

You shall not distribute on or through this Web Site any content or material containing any advertising, solicitation for goods, services or funds or solicitation for others to become members of any enterprise or organisation without the express written permission of Foresight Publishing. Notwithstanding the foregoing, in any interactive areas of this Web Site, where appropriate you a) may list along with your name, address and email address, your own web site’s URL and b) may recommend third party Web sites, goods or services so long as you have no financial interest in and receive no direct or indirect benefit from such recommended Web site, product or service or its recommendation. In no event may any person or entity solicit anyone with data retrieved from this Web Site.

Advertisers

This Web Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on this Web Site is accurate and complies with applicable laws. Foresight Publishing will not be responsible for the illegality of or any error or inaccuracy in advertisers’ or sponsors’ materials or for the acts or omissions of advertisers and sponsors.

Registration

Certain sections of this Web Site require you to register. If registration is requested, you agree to provide Foresight Publishing with accurate and complete registration information. It is your responsibility to inform Foresight Publishing of any changes to that information. Each registration is for a single individual only, unless specifically designated otherwise on the registration page.Foresight Publishing does not permit a) anyone other than you to use the sections requiring registration by using your name or password; or b) access through a single name being made available to multiple users on a network or otherwise. You are responsible for preventing such unauthorised use. If you believe there has been unauthorised use, you must notify Foresight Publishing immediately by contacting Foresight Publishing on (07) 3342 7723.

Errors and Corrections

Foresight Publishing does not represent or warrant that this Web Site will be error-free, free of viruses or other harmful components, or that defects will be corrected or that it will always be accessible. Foresight Publishing does not warrant or represent that the information available on or through this Web Site will be correct, accurate, timely, or otherwise reliable. Foresight Publishing may make improvements and/or changes to its features, functionality or Content at any time.

Third Party Content

Third party content may appear on this Web Site or may be accessible via links from this Web Site. Foresight Publishing shall not be responsible for and assume no liability for any infringement, mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third party content appearing on this Web Site. You understand that the information and opinions in the third party content is neither endorsed by nor does it reflect the belief of Foresight Publishing.

DISCLAIMER

This web site is provided on an "as is, as available" basis. Foresight Publishing expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose and non-infringement. Foresight Publishing disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind resulting from, arising out of or any way related to (a) any errors in or omissions from this web site and the content, including but not limited to technical inaccuracies and typographical errors, (b) any third party web sites or content therein directly or indirectly accessed through links in this web site, including but not limited to any errors in or omissions therefrom, (c) the unavailability of this web site or any portion thereof, (d) your use of this web site, or (e) your use of any equipment or software in connection with this web site.

LIMITATION OF LIABILITY

Foresight Publishing shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting from your use of this web site. Foresight Publishing shall not be liable for any special, direct, indirect, incidental, or consequential damages of any kind whatsoever (including, without limitation, attorneys' fees) in any way due to, resulting from, or arising in connection with the use of or inability to use this web site or the content. To the extent the foregoing limitation of liability is prohibited, provider’s sole obligation to you for damages shall be limited to $100.00.

Indemnification

You agree to indemnify, defend and hold harmless Foresight Publishing, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Web Site from and against all losses, expenses, damages and costs, including reasonable lawyer fees, resulting from any violation of these Terms of Use by you.

Third Party Rights. The provisions of the above paragraphs Disclaimer, Limitation of Liability and Indemnification are for the benefit of Foresight Publishing and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Web Site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

Unlawful Activity

Foresight Publishing reserves the right to investigate complaints or reported violations of our Terms of Use and to take any action we deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, posted materials, IP addresses and traffic information.

Remedies for Violations

Foresight Publishing reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to this Web Site

Cookies

Our website utilises ‘Cookies'. Cookies are small pieces of information that are stored on your computer (for example your online viewing preferences) which has no personal information stored in it and is only used to identify your computer to our servers when you visit our websites.