ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> <html> <HEAD> <meta name="vs_targetSchema" content="http://schemas.microsoft.com/intellisense/ie5"> <meta name="keywords" content="mortgage broker,borrow,broker,mortgage,mortgages,professional,home loan,homeloan,repayment calculator,experienced,loan,savings,stamp duty,calculator,account,advice,advisor,rent,free,comparison rate,fixed,variable,refinance,lodoc,flexible,free,mfaa,fbaa,free" /> <meta name="description" content="AlphaLoan take the stress and hassle of the home loan process out of your hands and match you with the most suitable loan for your circumstances" /> <title>AlphaLoan Mortgage Group Pty Ltd - Terms of Use</title> <script language="JavaScript1.2" src="javascript/mm_menu.js"></script> <script language="JavaScript1.2" src="javascript/mm_LoadMenuindex.js"></script> <link href="css/css.css" rel="stylesheet" type="text/css"> <style> .webFactoryEditable { padding:0px; margin:0px; border:solid 1px hotpink; min-height: 3px; } .webFactoryEditable:hover { background-color:hotpink; } .webFactoryEditable:hover .webFactoryEditableLink { display:inline; } .webFactoryEditableLink { POSITION: absolute; border:solid 1px black; background-color:white; color:black; text-decoration:none; padding-left:5px; padding-right:5px; padding-top:2px; padding-bottom:2px; font-weight:bold; display:none; } </style></HEAD> <body> <script language="JavaScript1.2">mmLoadMenus();</script> <table width="760" border="0" align="center" cellpadding="1" cellspacing="0" bgcolor="#6D6D6D"> <tr> <td><table width="100%" border="0" cellpadding="0" cellspacing="0" bgcolor="#FFFFFF"> <tr> <td width="120" colspan="2"> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><a href="index.htm"><img src="images/logo.gif" alt="AlphaLoan Mortgage Group Pty Ltd" width="191" height="72" border="0"></a></td> <td><img src="images/banner.jpg" width="567" height="72"></td> </tr> </table> </td> </tr> <tr> <td background="images/menu_bg.gif"> <table border="0" cellspacing="0" cellpadding="0"> <tr> <td><img src="images/1pix.gif" width="90" height="1"></td> <td><img src="images/1pix.gif" width="1" height="1"></td> <td><img src="images/1pix.gif" width="83" height="1"></td> <td><img src="images/1pix.gif" width="1" height="1"></td> <td><img src="images/1pix.gif" width="74" height="1"></td> <td><img src="images/1pix.gif" width="1" height="1"></td> <td><img src="images/1pix.gif" width="106" height="1"></td> <td><img src="images/1pix.gif" width="1" height="1"></td> <td><img src="images/1pix.gif" width="107" height="1"></td> <td><img src="images/1pix.gif" width="1" height="1"></td> <td><img src="images/1pix.gif" width="99" height="1"></td> <td><img src="images/1pix.gif" width="1" height="1"></td> <td><img src="images/1pix.gif" width="127" height="1"></td> <td><img src="images/1pix.gif" width="58" height="1"></td> </tr> <tr> <td align="left" onMouseOut="MM_startTimeout()" onMouseOver="MM_showMenu(window.menu1,0,20,null,'company');"><a href="#" name="company" class="menuTitle">&nbsp;&nbsp;&nbsp;about&nbsp;us&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/menuVerticalStrip.gif" width="1" height="19"></td> <td align="left" onMouseOut="MM_startTimeout()" onMouseOver="MM_showMenu(window.menu2,0,20,null,'finance');"><a href="#" style="text-decoration:none" name="finance" class="menuTitle">&nbsp;&nbsp;&nbsp;finance&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/menuVerticalStrip.gif" width="1" height="19"></td> <td align="left" onMouseOut="MM_startTimeout()" onMouseOver="MM_showMenu(window.menu3,0,20,null,'loans');"><a href="#" style="text-decoration:none" name="loans" class="menuTitle">&nbsp;&nbsp;&nbsp;loans&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/menuVerticalStrip.gif" width="1" height="19"></td> <td align="left" onMouseOut="MM_startTimeout()" onMouseOver="MM_showMenu(window.menu4,0,20,null,'calc');"><a href="#" style="text-decoration:none" name="calc" class="menuTitle">&nbsp;&nbsp;&nbsp;calculators&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/menuVerticalStrip.gif" width="1" height="19"></td> <td align="left" onMouseOut="" onMouseOver=""><a href="apply_online.htm" style="text-decoration:none" name="apply" class="menuTitle">&nbsp;&nbsp;&nbsp;apply&nbsp;online&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/menuVerticalStrip.gif" width="1" height="19"></td> <td align="left" onMouseOut="" onMouseOver=""><a href="contact_us.htm" style="text-decoration:none" name="contact" class="menuTitle">&nbsp;&nbsp;&nbsp;contact&nbsp;us&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/menuVerticalStrip.gif" width="1" height="19"></td> <td align="left" onMouseOut="MM_startTimeout()" onMouseOver="MM_showMenu(window.menu5,0,20,null,'affiliate');"><a href="#" style="text-decoration:none" name="affiliate" class="menuTitle">&nbsp;&nbsp;&nbsp;affiliate&nbsp;program&nbsp;&nbsp;&nbsp;</a></td> <td><img src="images/1pix.gif" width="58" height="19"></td> </tr> </table> </td> </tr> <tr> <td colspan="2" bgcolor="#6D6D6D"><img src="images/1pix.gif" width="1" height="1"></td> </tr> <tr> <td height="10" colspan="2"><img src="images/1pix.gif" width="10" height="10"></td> </tr> <tr> <td colspan="2" valign="top" class="contentbg"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="120" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="10"> <tr> <td align="center" valign="top"><br><a href="http://www.facebook.com/profile.php?id=100000187188693&ref=ts"><img src="images/facebook.gif" alt="Find us on Facebook." width="144" height="44" border="0"></a><br><br><form style="padding:0px;margin:0px;" name="subscriptionform" method="post" action="http://www.scripts.ozhosting.com/mailto.asp" ID="Form2"> <table width="88px" border="0" cellspacing="0" cellpadding="0" ID="Table1"> <tr> <td> <a href="newsletter.htm"><img src="images/newsletter.jpg" alt="Newsletter" width="100" height="120" border="0"></a> </td> </tr> <tr> <td align="center"> <input name="client_email" type="text" id="subsemail" value="Email" class="formfield" style="width:90px" onFocus="document.getElementById('subsemail').value=''"> <input name="sendto" value="gvimpani@alphaloan.com.au" type="hidden" ID="Hidden5"> <input name="email" value="gvimpani@alphaloan.com.au" type="hidden" ID="Hidden6"> <input name="subject" value="Newsletter Subscription" type="hidden" ID="Hidden7"> <input name="resulturl" value="http://www.alphaloan.com.au/thankyou.htm" type="hidden" ID="Hidden8"> </td> </tr> <tr> <td align="center"> <input style="margin-top:4px;" name="subscribe" type="submit" id="subscribe" value="subscribe" class="formbutton"> </td> </tr> <tr> <td> <a href="newsletter.htm"><img style="margin-top:3px;" src="images/old_newsletter.jpg" alt="Past issues" width="100" height="16" border="0"> </a> </td> </tr> </table> </form> <a href="why_alphaloan.htm"><img src="images/why.jpg" alt="Why AlphaLoan?" width="100" height="120" border="0"></a><br> <a href="calculators.htm"><img src="images/calcs.jpg" alt="Tools and Calculators" width="100" height="120" border="0"></a><br> <a href="contact_us.htm"><img src="images/contact.jpg" alt="Contact Us" width="100" height="120" border="0"></a><br><br> <p><a href="http://www.mfaa.com.au/" target="_blank"><img src="images/mfaa.gif" alt="MIAA Full Member" border="0"></a></p> <p><a href="http://www.nmb.com.au/nmb/index.html" target="_blank"><img src="images/nmb.gif" alt="NMB, National Mortgage Broker" width="120" height="40" border="0"></a></p> <p>&nbsp;</p> </td> </tr> </table> </td> <td valign="top"> <table width="100%" border="0" cellspacing="0" cellpadding="20"> <tr> <td class="normaltext"><p align="right" class="normaltext"><script language="javascript">try{writeTodayDate();} catch(e){}</script></p> <p>&nbsp; </p> <h2>Terms of Use</h2> Please take the time to read our Terms of Use <P>Welcome to the AlphaLoan Mortgage Group Website. Any reference to AlphaLoan within this Website means AlphaLoan&nbsp;Mortgage Group, ABN [48 120 187 386] hereinafter referred to as The Company. Access and use of this Website is subject to these Terms of Use and The Company's <A class=normaltext href="http://www.alphaloan.com.au/privacy.htm"><STRONG>Privacy Act Statement</STRONG></A>. </P> <P><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#CHANGES"><STRONG>Changes</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#INTELLECTUALPROPERTY"><STRONG>Intellectual Property Rights</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#USEOFMATERIALS"><STRONG>Use of Materials</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#AUSTRALIANRESIDENTSONLY"><STRONG>Australian Residents Only</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#ACCURACYOFINFO"><STRONG>Accuracy of Information</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#INDEMNITY"><STRONG>Indemnity</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#WARRANTIES"><STRONG>Warranties</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#LIMITATIONOFLIABILITY"><STRONG>Limitation of Liability</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#GOVERNINGLAW"><STRONG>Governing Law</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#SEVERABILITY"><STRONG>Severability</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#ABOUTUS"><STRONG>About Us</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#FEESCHARGES"><STRONG>Fees &amp; Charges</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#LOANAPPROVALS"><STRONG>Loan Approvals</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#THIRDPARTIES"><STRONG>Third Parties</STRONG></A><BR><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#HOWTOCONTACTUS"><STRONG>How to Contact Us</STRONG></A></P> <H4><B><A id=CHANGES name=CHANGES>CHANGES</A></B></H4>The Company reserves the right to change, modify, add or remove any part or parts of these Terms of Use at its sole discretion. Your use and continued use of this Website will be deemed as an acceptance of these Terms of Use and any changes that may have taken effect. Please check these Terms of Use on a regular basis for any changes. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> <H4><B><A id=INTELLECTUALPROPERTY name=INTELLECTUALPROPERTY>INTELLECTUAL PROPERTY</A></B> </H4>The Company claims all intellectual property rights and copyright over all the materials appearing on this Website. All other business names and trademarks appearing on this Website are the property of their respective owners. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><B><A id=USEOFMATERIALS name=USEOFMATERIALS>USE OF MATERIALS</A></B> </H4>The Company authorises the user to print and copy the materials published on this Website subject to the materials being used exclusively for personal use, that the materials are not modified in way, and that The Company is acknowledged as the source. Use of the materials in this Website for any commercial purpose is strictly prohibited. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><B><A id=AUSTRALIANRESIDENTSONLY name=AUSTRALIANRESIDENTSONLY>AUSTRALIAN RESIDENTS ONLY</A></B> </H4>The materials and information presented on this Website are designed and directed to Australian residents only. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><B><A id=ACCURACYOFINFO name=ACCURACYOFINFO>ACCURACY OF INFORMATION</A></B> </H4>The materials presented on this Website including but not limited to interest rates, calculators, lender panel etc has been prepared from information believed to reliable and accurate. The information presented on this Website may be reliant on third party information and is subject to change without notice. Although best endeavours will be made to ensure the accuracy of the information, it may not always be up to date, totally accurate or complete. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><B><A id=INDEMNITY name=INDEMNITY>INDEMNITY</A></B> </H4>The user indemnifies The Company, its officers, employees, agents, brokers and affiliates from and against all actions, claims, suits, demands, damages, liabilities, costs or expenses arising out of or in any way connected to the use of this Website. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><A id=WARRANTIES name=WARRANTIES></A><B>WARRANTIES</B><A></A></H4><A>Although The Company will endeavour to ensure the accuracy, reliability and security of this Website, the user acknowledges that we do not make any express or implied warranties of any kind to the user including but not limited to whether this Website is free from any errors, omissions, defects, viruses, delays or interruptions of service. </A> <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> <H4><B><A id=LIMITATIONOFLIABILITY name=LIMITATIONOFLIABILITY>LIMITATION OF LIABILITY</A></B></H4>To the maximum extent permitted by law, all warranties, conditions, terms express or implied, breaches of contact, negligence and representations about The Company, access and use of this Website, information provided on this Website, and products and services advertised, offered or supplied via this Website are excluded. Where our liability cannot be fully excluded it will be limited at our option to resupplying our service to you or paying for the resupply of our service to you. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A><BR></P> <H4><B><A id=GOVERNINGLAW name=GOVERNINGLAW>GOVERNING LAW</A></B> </H4>These Terms of Use are governed by the laws of Victoria, Australia and the parties irrevocably submit to the exclusive jurisdiction of the courts in Victoria, Australia. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> <H4><B><A id=SEVERABILITY name=SEVERABILITY>SEVERABILITY</A></B></H4>Any provision (in part or whole) of these Terms of Use held to be unenforceable, invalid or illegal for any reason will be severed from these Terms of Use and will not invalidate the remaining provisions of these Terms of Use. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> <H4><B><A id=ABOUTUS name=ABOUTUS>ABOUT US</A></B></H4>The Company provides a free and impartial service designed to help users make an informed decision when choosing a home or investment loan in the least amount of time and we also assist users by completing the mortgage loan application process. We are not a lender, credit provider or licensed investment advisor. Where you may require financial or investment advice we suggest you seek the services of a licensed advisor. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> <H4><B><A id=FEESCHARGES name=FEESCHARGES>FEES &amp; CHARGES</A></B></H4>The Company does not charge a fee for the majority of services offered via this Website although standard lender application fees government charges apply. Where a commercial property is used as security, brokerage fees may apply. The Company receives fees from the lenders when users finalise mortgage loan transactions via our service. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> <H4><B><A id=LOANAPPROVALS name=LOANAPPROVALS>LOAN APPROVALS</A></B> </H4>The approval of all mortgage loan applications are subject to the lending criteria of the lender chosen by the user. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><B><A id=THIRDPARTIES name=THIRDPARTIES>THIRD PARTIES</A></B> </H4>Where you have clicked-through to The Company via one of our affiliate websites, we may pay the affiliate a marketing fee for the introduction. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A> </P> <H4><B><A id=HOWTOCONTACTUS name=HOWTOCONTACTUS>HOW TO CONTACT US</A></B> </H4>Please attention any correspondence relating to the The Company's Terms of Use by using the details in the <A class=normaltext href="http://www.alphaloan.com.au/contact_us.htm"><STRONG>contact us</STRONG></A> page. <P align=right><A class=normaltext href="http://www.alphaloan.com.au/terms_of_use.htm#top"><STRONG>« back to top of page</STRONG></A></P> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr> <td height="33" colspan="2" background="images/footer.gif"><table width="100%" border="0" cellspacing="0" cellpadding="4"> <tr> <td class="footertxt"> Copyright 2006 AlphaLoan Mortgage Group Pty Ltd, ABN 48 120 187 386 </td> <td align="right" class="footertxt"><a href="index.htm" class="footertxt">Home</a> - <a href="terms_of_use.htm" class="footertxt">Terms of Use</a> - <a href="privacy.htm" class="footertxt"> Privacy</a></td> </tr> </table> </td> </tr> </table> </td> </tr> </table> </body> </html>