1. ABOUT THESE T&Cs

1.1. Definitions

In these T&Cs, capitalised words and expression have the meanings given to them in clause 5 (Dictionary).

1.2. Do these T&Cs apply to You?

1.2.1. These T&Cs apply to anyone who accesses or uses Our Website (You).
1.2.2. By accessing or using Our Website, You agree to comply with these T&Cs.
1.2.3. If You do not agree, or are unable, to comply with these T&Cs, then You should not access or use Our Website.
1.2.4. If You have any queries about these T&Cs, You should obtain Your own advice or contact Us.

2. MANGO PRODUCTS & SERVICES

2.1. Mango Credit

Any part of Our Website which contains or provides any information or content in respect of any financial product or services which is not regulated by the NCCP, such information or content is provided by Mango Credit Pty Ltd ACN 156 372 440, and shall not be construed or implied as having any application to any financial product or service which is regulated by the NCCP.

2.2. Mango Mortgages

2.2.1. Any part of Our Website which contains or provides any information or content in respect of any financial product or services which is regulated by the NCCP, such information or content is provided by Mango Mortgages Pty Limited ACN 142 373 340 Australian Credit Licence 422165. This applies even if the information, content, service or product is expressed to be provided by “Mango Credit”.
2.2.2. For financial products and services regulated by the NCCP, view Our Credit Guide here.

2.3. No offer of finance

2.3.1. Nothing in Our Website shall be construed or implied to be an offer of finance, credit or other financial accommodation, and any such transactions are subject to Our formal review, approval, documentation and acceptance.
2.3.2. At all times, lending criteria, fees and any other finance or credit conditions are subject to Our discretion.

2.4. Disclosure of terms indicative

Where Our Website discloses or provides any terms or conditions of any potential finance or credit transaction (example interest rates, loan to value ratios), any such term or condition is for general purposes, and specific terms and conditions are subject to an Application being received and reviewed by Us.

2.5. No advice

All information provided in Our Website is general information only, and shall not be construed or implied to be legal or financial advice. You should obtain and rely on Your own legal and financial advice in relation to any finance or credit transaction.

3. TERMS OF USE OF WEBSITE

3.1. General terms of use
By using Our Website, You agree that:

3.1.1. You use Our Website at Your own risk, and to the fullest extent permitted by law, We are not liable to You for any loss You suffer as a consequence of using Our Website, and as separate obligation, You indemnify Us from and against all claims, suits, demands, actions, liabilities, costs and expenses (including legal costs and expenses on a full indemnity basis) resulting from Your use of Our Website;
3.1.2. any information contained on Our Website, including 3rd Party Content, is for general use only, and that We do not give any warranty or representation as to such information, including without limitation the accuracy or completeness of such information;
3.1.3. We make no warranty or representation as to the suitability of any product or service We offer for Your intended purposes;
3.1.4. nothing contained in or retrievable from Our Website is intended to constitute legal or financial advice;
3.1.5. We may use cookies and other such tools to monitor Your browsing preferences;
3.1.6. Our Website may from time to time be unavailable, either planned (for example planned maintenance) or otherwise (for example unforeseen technical issues), and that in addition to clause 3.1.1, to the fullest extent permitted by law, We are not liable to You for any loss You suffer as a consequence of any such unavailability; and
3.1.7. these T&Cs shall be governed by the laws of New South Wales, Australia, and that You submit to the non-exclusive jurisdictions of the courts of New South Wales.

3.2. Your obligations

By using Our Website, You:

3.2.1. must only use Our Website for their intended purposes;
3.2.2. must keep any password used to access Our Website confidential;
3.2.3. must not, or must not attempt to:
3.2.3.1. scrape, harvest, extract or index Our Website;
3.2.3.2. interfere with Our Website in a manner contrary to their intended uses;
3.2.3.3. create excessive traffic through Our Website;
3.2.3.4. in connection with Our Website, transmit junk emails, spam or any other such content;
3.2.3.5. in connection with Our Website, transmit any malware of any nature, including without limitation computer viruses, worms, Trojan horses, ransomware, spyware, or adware;
3.2.3.6. seek to obtain any personal information from any other user of Our Website;
3.2.3.7. violate any proprietary rights, intellectual or otherwise, of any person;
3.2.3.8. without Our prior written consent (which We may give conditionally or unconditionally in Our absolute discretion), by any means use Our Website, or Our Website Content, for Your own purposes, including without limitation by reproduction, modification, adaption, or translation;
3.2.3.9. without Our prior written consent (which We may give conditionally or unconditionally in Our absolute discretion), publish in any public forum any link to Our Website; or
3.2.3.10. use or do any thing which would result in Our Website being used or applied for any purposes which We determine in Our absolute discretion as being inappropriate or unreasonable;
3.2.4. must not use any device, software or any other thing, whether automated or otherwise, which has the effect or purpose of any thing described in clause 3.2.3;
3.2.5. must not breach any law or regulation applicable from time to time to Your access or use of Our Website;
3.2.6. must, to the extent You are responsible for any content appearing on Our Website, ensure that any such content is not:
3.2.6.1. misleading or deceptive;
3.2.6.2. offensive or likely to cause offence, obscene or lewd; or
3.2.6.3. defamatory.

3.3. Intellectual property

3.3.1. Our Website Content may be:
3.3.1.1. owned by Us; or
3.3.1.2. owned by a third party, but is licensed to Us.
3.3.2. To the extent that clause 3.3.1 does not apply to Our Website Content, such content is acknowledged on Our Website.
3.3.3. Subject to the Copyright Act 1968 (Cth), and only to the extent reasonably required for Your access and use of Our Website as intended, We allow You to retrieve and use copyrighted material exclusively for Your private and non-commercial use. However, nothing in this clause 3.3.3 is intended to be a transfer or assignment intellectual property rights, and (as applicable) We expressly retain all intellectual property rights.

3.4. 3rd Party Content

3.4.1. Our Website may from time to time contain 3rd Party Content.
3.4.2. Unless expressly set out in these T&Cs, these T&Cs do not apply to Your access or use of any 3rd Party Content. Any such access or uses will be governed by the terms and conditions of the relevant third party.
3.4.3. Except as expressly indicated though Our Website, We do not advertise, endorse, promote or recommend any 3rd Party Content.
3.4.4. If You access any 3rd Party Content through Our Website, You do so at Your own risk.

3.5. Our rights

We may in Our absolute discretion take any action We consider necessary to protect Our interests in connection with any matter or thing arising, or which may arise, from this clause 3, including without limitation:
3.5.1. making any amendment to these T&Cs;
3.5.2. altering, restricting or blocking Your ability to access or use Our Website, either temporarily or permanently;
3.5.3. reporting You to any relevant authority; or
3.5.4. suing You.

4. CONFIDENTIALITY & PRIVACY

4.1. Your obligations

To the extent that You receive any of Our Confidential Information, You agree:

4.1.1. not to disclose Our Confidential Information to any third parties;
4.1.2. to protect Our Confidential Information from unauthorised or inadvertent disclosure; and
4.1.3. to only use Our Confidential Information for the purpose(s) for which You have received it.

4.2. Our obligations – Collection statement

In order to deliver products and services to You, We will collect, use and disclose Your Confidential Information. We will only collect, use and disclose Your Confidential Information for such purposes in accordance with Our Privacy Policy.

5. DICTIONARY