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 www.ngmgroupaustralia.com.au (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.
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.
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.
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 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 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.
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