Terms & Conditions
Privacy Policy   We will never disclose your personal information to any other organisations for profit. Under certain circumstances we may:    1.  Obtain information from a credit-reporting agency about you if we believe it to be relevant to the assessment of your application for credit;    2. Obtain information about you from your employer that may include the terms of your employment (full time, part time, contract or casual), your length of employment, your minimum hours, and your rate of pay;    3. Exchange information about you (which can include anything about your credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to exchange under the Privacy Act) with those credit providers named in a consumer credit report obtained by us for the following purposes:    4. To assess an application by you for credit,    5. To notify other credit providers of a default by you,    6. To exchange information with other credit providers as to the status of your account where you are in default with other credit providers, and    7. To assess your credit worthiness.    8. To retain your personal information for any purpose legally required by us to retain such information, including the legal requirements under the Anti-Money Laundering & Counter-Terrorist Financing Act 2006.    9. Use any information you provide in your application for credit for the purposes of assessing any future application you may make for credit. Internet e-mail     The security of messages sent over the Internet cannot be guaranteed as they are subject to potential interception, alteration or loss. We are not responsible for any messages which are lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet. Trademarks and copyright     All copyright, trade marks and all other intellectual property rights in the Website and its content included in the Website and all software and source codes connected with the Website are owned by Kwoom unless specified otherwise. Disclaimer Whilst we have taken reasonable steps to ensure the accuracy and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Website and the materials contained in it are entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorized use of the system arising from ‘hacking’ or otherwise or your reliance on the information contained on the Website. We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website. Nothing in these Terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law. The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the Terms regularly and your continued access to or use of the Website will mean that you agree to any changes.
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