General terms and conditions for all users

1.1 The website is owned by Westpac Banking Corporation ("Westpac"). It is operated by Westpac and other companies in the Westpac Group.

1.2 Your access to this website is subject to these terms and conditions, the Westpac Banking Corporation Privacy Statement, notices, disclaimers any other terms and conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as "Terms of Use"). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.

1.3 Westpac may, at its sole discretion, vary or modify these Terms of Use without notice. Any subsequent access to, or use by you of the website will constitute an acceptance of those modifications.

Important disclaimers

1.4 All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and neither Westpac nor any other company in the Westpac Group have verified the information, which may not be complete or accurate for your purposes. Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.

1.5 Neither Westpac nor any other company in the Westpac Group nor any of their directors, employees and associates guarantees the security of this website, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this website and does not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website.

1.6 Should you leave this site via a link contained within this website, and view content that is not provided by a company in the Westpac Group, including content in relation to the issue or sale of a financial product:

a. you do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by a company in the Westpac Group. No company in the Westpac Group is responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise. No company in the Westpac Group makes any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party; and

b. links to other websites are provided for convenience only and do not represent any endorsement by Westpac of the products or services offered by the website owner;