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Terms of use

This website is operated by Newcastle Greater Mutual Group Ltd for itself and on behalf of its related bodies corporate (collectively, NGM Group, we, us and our) under the domain name (Website).

Your use of the Website and any information, graphics and other materials on the Website (collectively, materials) is governed by these terms of use. By using or accessing the Website, you agree to be bound by and abide by these terms of use.

In addition to these terms of use, there may be additional terms from time to time displayed on the Website which govern your access to and use of certain sections of the Website. You are also bound by those additional terms and you should review them wherever they are accessible by you on the Website.

The Website may contain links to other internet sites operated by third parties (third party sites). We do not endorse or approve the operators of third party sites, or the materials on third party sites (third party material) or goods or services referred to in them (third party products), or any software downloads available from them.

All advertisements, inducements, offers to sell and statements relating to third party products on third party sites are the responsibility of, and given by, the third party site operator only, and not by us. We make no representations or warranties as to, and we are not responsible for, the quality, accuracy, completeness, merchantability or fitness for purpose, or any other aspect, of the information on any third party site. Unless otherwise stated on the Website, we do not act on behalf of third party website operators in any capacity. Before considering whether to acquire or continue holding third party products you should always obtain and review any relevant Terms and Conditions or Product Disclosure Statements (PDS) from the issuer or seller of that third party product.

We may receive payments from third party site operators in relation to goods or services supplied by those operators as a result of you browsing to a third party site from the Website.

To the extent that you acquire goods or services from us as a consumer (as that term is defined in section 3 of the Competition and Consumer Act 2010 (Cth)), you may have certain rights and remedies (including, without limitation, consumer guarantee rights) that cannot be excluded, restricted or modified by agreement. Nothing in these terms of use operate to exclude, restrict or modify the application of any implied condition, warranty or provision, the exercise of any right or remedy, or the imposition of any liability, implied or conferred the Australian Consumer Law (as set out in Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other statute where to do so would contravene that statute or cause any term of this agreement to be void (Non-Excludable Obligations).

The materials are provided on an 'as is' basis. To the extent permitted by law and subject to any Non-Excludable Obligations, all conditions, warranties, guarantees, rights, remedies, liabilities or other terms that may be implied or conferred by statute, custom or the general law that impose any liability or obligation on us are expressly excluded under these terms of use.

The materials on the Website may contain general information about our products and services. Unless otherwise stated in the Website, this information:

  • does not constitute an offer or inducement for you to enter into a legally binding contract; and
  • does not form part of the terms and conditions for your acquisition of our products or services.

We recommend that you consider whether you would benefit from seeking independent advice before acting on the materials on the Website or third party material.

Additional terms and conditions apply to our products and services, and fees may apply for some products. All applications for credit are subject to our normal credit approval criteria applicable from time to time.

Before you consider whether to acquire or continue holding one of our products, you should consider the Terms and Conditions or PDS applicable to it, which can be obtained through our retail brand websites (which can be accessed via links on this Website) or directly from one of our retail brand branches.

The Terms and Conditions or PDS in each case confirm whether we (or any other entity) issues or sells the particular product to which the Terms and Conditions or PDS relates. Unless otherwise stated, we are the issuer or seller of any NGM Group product.

The materials on this Website should not be taken as financial product advice, and has been prepared as general information only without consideration for your particular investment objectives, financial circumstances or particular needs. In particular, you should research and pay careful consideration to the risk factors applicable to any investment that you make including in light of your personal circumstances, recognising that many risk factors exist which should be considered before deciding to make any particular investment. It is your responsibility to research, consider and evaluate these risks. If you have any queries or uncertainties relating to aspects of an investment, please consult an independent financial adviser before deciding whether to invest.

The Website is only for use by, and any products and services displayed or referred to in it are only available to, Australian residents. Legal requirements of places outside Australia have not been considered in the design of the Website and our products and services. We make no representation that the materials or Website comply with the laws (including intellectual property laws) of any country outside Australia. If you access the Website from outside Australia, you do so at your own risk and you are responsible for ensuring compliance with all laws in the place where you are located.

The law applicable to your use of the Website, and to any disputes arising under these terms of use, is the law of the State of New South Wales in Australia.

To the extent permitted by law, we are not liable to you for any loss, damage, liability, claim or expense (including, without limitation, legal costs) whatsoever in connection with the materials on the Website or third party material.

Where liability cannot lawfully be excluded, then to the extent permitted by law, our liability for a breach of a condition or warranty of any kind is limited, at our option, to:

  • the supply of the goods or services again; or
  • the repair of the goods; or
  • the payment of the cost of having the goods or services supplied again or repaired.

These terms of use and the agreement constituted by your use of the Website and your access to the Website may be terminated at any time by NGM Group without notice. To the extent permitted by law, all disclaimers by and limitations of liability of NGM Group will survive such termination for any reason. You will no longer be authorised to access the Website upon such termination.

Copyright and other intellectual property rights in the materials on the Website is owned by us (or our third party licensors). Except where necessary for viewing the materials on your browser, or as permitted under the Copyright Act 1968 (Cth), other applicable law or these terms of use, none of the materials on the Website may be reproduced, adapted, uploaded or transferred to a third party, linked, framed, performed in public, distributed or transmitted in any form by any process, without our prior written consent.

This Website uses cookies to collect information relating to online visitor behaviour, demographics and provide a personalised experience for both the prospective and existing members.

The cookies used by the Website do not personally identify Website visitors. A cookie is a small text file that is stored in a website browser. This includes browsers on mobile and tablet devices.

Blocking or deleting cookies

You can opt out of the collection and use of information for ad targeting by disabling cookies on your browser. Cookies can be disabled by adjusting your individual browser settings and preferences. If cookies are disabled then you may not be able to access or use various other features or functions of our Website.

The types of cookies we use

Different cookies do different jobs. The following are the types of cookies may be used on our Website:

Personalisation cookies

Personalisation cookies help us to identify user paths and behaviour (for example, when someone returns to our Website), streamline our Website experience, manage our Website, issue site-wide alerts, and display relevant content to that user. Based on previous interactions with our Website and our other websites (behaviour) or geographic location, we can predict what a visitor might be looking for and display more relevant content.

Analytics cookies

Analytics cookies provide us with data which we use to ensure the Website is performing at an optimal level, enhance our Website, and for troubleshooting purposes. The information collected is generalised data, and does not personally identify Website visitors.

Third party cookies

Third parties, including Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from our Website and elsewhere on the internet and use that information to provide measurement services and target ads. The third party services we use across our Website have their own individual cookie policies, and we recommend that you read their policies. We hold no responsibility for third party cookies.

These current terms of use replace any other prior terms of use published on the Website. All materials on the Website are subject to change without notice. You agree to be bound by and abide by the changed terms if you use this Website after the terms have changed.

These terms of use were last updated on 23 February 2023.