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Terms and conditions of this website

1. General terms and conditions for all users

1.1 The website ( "this website") is owned by Westpac Banking Corporation ( "Westpac"). It is operated by Westpac and other companies in the Westpac Group. To the extent that general advice is provided on this website, it is provided by one or more of the following entities, (all being members of the Westpac Group of companies of which Westpac Banking Corporation is the holding company), based on the circumstances and context in which the advice is given on this website:

  • Westpac Banking Corporation ABN 33 007 457 141
  • Westpac Financial Services Limited ABN 20 000 241 127
  • Westpac Securities Limited ABN 39 087 924 221
  • BT Funds Management Limited ABN 63 002 916 458
  • BT Funds Management No. 2 Limited ABN 22 000 727 659
  • BT Securities Limited ABN 84 000 720 114
  • Westpac Funds Management Limited ABN 28 085 352 405
  • Westpac Securities Administration Limited ABN 77 000 049 472
  • BT Portfolio Services Ltd ABN 73 095 055 208
  • Investment Portfolio Services Pty Ltd ABN 54 086 266 202

1.2 If, where general advice is being given on this website, the circumstances or context do not clearly indicate which one or more of the above entities is giving the advice, the advice is taken to be given by Westpac Banking Corporation.

1.3 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.

1.4 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.

1.5 You agree that where Westpac or any other company in the Westpac Group is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference.

1.6 By accessing this website, you acknowledge receipt of the relevant Financial Services Guide.

Australian investors only

1.7 Unless otherwise stated expressly, products and services referred to on this website are only available in Australia.

Disclosure documents

1.8 Westpac Banking Corporation and other members of the Westpac Group currently offer products named on this website. The offers are identified in the disclosure documents (which include Product Disclosure Statements, where applicable). To invest, please complete the application form attached to or accompanying the relevant disclosure document, a copy of which can be obtained by accessing the document through the appropriate link and printing it or phoning 132 032. Investors should consider the disclosure document (including Product Disclosure Statement, where appropriate) in deciding whether to acquire, or to continue to hold, the product.

Important disclaimers

1.9 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.

1.10 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. This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and Competition and Consumer Act.

1.11 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;

(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;

(c) you should endeavour to obtain the Product Disclosure Statement for the relevant product from the issuer or seller of the product as identified on the website to which you link;

(d) you should consider the Product Disclosure Statement for the relevant product in deciding whether to acquire, or to continue to hold, the product.

1.12 Investments in the funds and trusts referred to on this website do not represent deposits with, or other liabilities of, Westpac or any other company in the Westpac Group, and are subject to investment risk, including possible delays in repayment or loss of income and capital invested. Other than where the terms of the particular product expressly state otherwise, no member of the Westpac Group stands behind the repayment of capital, or guarantees the investment performance of the funds and trusts referred to on this website.

1.13 In preparing the information contained on this website, Westpac has not taken into account your objectives, financial situation or needs. Before investing on the basis of the information contained on this website, you should consider (with or without the assistance of an adviser) whether the information in this website is appropriate to you in light of your particular objectives, financial situation and needs. You should obtain the disclosure document (including Product Disclosure Statement where applicable) relating to a product referred to on this website before making any decision about whether to acquire the product.

1.14 The information on this site is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon an investor's individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.

1.15 In contributing information contained on this site and in providing their respective products and services through this site, and unless expressly stated otherwise, each company which is a member of the Westpac Group and is identified on this site is acting as principal and does not act as a representative of any other company in the Westpac Group.

2. Copyright

2.1 Copyright in the information contained on this website is owned by Westpac Banking Corporation (ABN 33 007 457 141). You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.

3. Linking to Westpac's site

3.1 Your site must not contain any material that disparages Westpac or its goods and services.

3.2 Your site must not contain the following:

  • Illegal, sexually explicit, pornographic, or otherwise offensive or distasteful material
  • Content promoting gaming, wagering or betting sites
  • Instructions on the manufacture and/or use of illegal drugs, or other dangerous materials
  • Material that promotes harassment, hatred or discrimination based on age, race, religion, gender, sexual preference or any other factor
  • Defamatory, disparaging, abusive, threatening or offensive messages (whether aimed at Westpac or a third party)
  • False or misleading information about the products and services of Westpac or a member of the Westpac Group.

4. Use of Comments section and social media functions within this site

4.1 Some sections of this website including Westpac Wire may include functions to allow members of the public to leave comments (including but not limited to text, images, links or videos) by using their own social media profiles. If you use these functions, you agree to be bound by the Westpac Social Media Terms of Use.

5. No alteration

5.1 You agree not to transfer, or attempt to transfer, any material, viruses or code to the Westpac site that could cause damage or harm to the site or in any way impede the security of Westpac's site. You may not attempt to alter the Westpac site. In some sections of this website you may be able to use functions to leave comments and other contributions.

6. Additional terms

6.1 In addition to the other terms outlined in this agreement, any link from your site to Westpac's site is subject to your site complying with the following conditions:

  • You must comply with all relevant laws in any applicable jurisdiction
  • Your site must not replicate the content of the Westpac site
  • You must not frame any part of Westpac's site
  • Your link must be made in good faith and must not be established in a way that blocks or prevents the display of any part of Westpac's website
  • You must not mistakenly imply that Westpac, or any member of the Westpac Group, endorses your product, service or organisation.

Your use of, and access to, Westpac's website must be in accordance with these Terms and Conditions for Westpac Australia and for Westpac in the Pacific on the home page of each country, as amended from time to time. To the extent of any inconsistency between those Terms and Conditions and the terms of this agreement, this agreement shall prevail.

7. Disclaimer

7.1 To the extent permitted by law, neither Westpac, nor any other company in the Westpac Group of companies (including all related bodies corporate), will be liable for any loss or damage from any cause (including negligence) to your site and system, or to people linking to us from your site(s), caused by or in connection with your link to Westpac's site. If you create a link to Westpac's site, you remain fully responsible for any consequences of that link, whether direct or indirect and you will protect Westpac against all loss, damage, liability, cost or expense arising from or in connection with the link.

8. Indemnity

8.1 You agree to indemnify Westpac and keep it indemnified against all actions, claims, costs, demands, damages or liability arising in any manner from a breach by you of the terms of this agreement.

9. Changes to this agreement

9.1 Westpac may change the terms of this agreement and the logo at any time and solely at its discretion. If possible, Westpac will try to notify you of any such changes.

10. Termination of agreement/removal of link and logo

10.1 Westpac reserves the right, solely at its discretion, to request removal of your link at any time. It also reserves the right to review your link, pursuant to which you agree to provide any necessary passwords.