Welcome to the R&W FirstCard website (the “website”). Please read the following important terms and conditions carefully. These terms and conditions govern your access to and use of the website, including any content, information, products or services therein.
The website is owned by Corum eCommerce Pty Ltd (ABN 54 086 654 640) a company incorporated in Australia (“Corum”). This is a legal agreement between you and Corum.
1. Acceptance of these terms
2. Variation and modification
3. Provision of documents
You agree that where Corum or any other company in the Corum Group is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference.
4. Australian and New Zealand residents only
Unless otherwise stated expressly, products and services referred to on this website are only available to individuals who are either residents in Australia or New Zealand.
5. Website access
In order to access some features of the website, you may have to create an account. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account. You must keep your account password secure. You must notify Corum immediately of any breach of security or unauthorised use of your account. You must not use another person’s account without permission. Corum is not liable for any of your losses or damages caused or contributed to by any use (including unauthorised use) of your account. However, you will be liable for the losses or damages of Corum or others due to such use (including unauthorised use).
No minor under the age of 13 may use the website.
6. Your primary obligations
You must update and maintain the accuracy of any information you submit to Corum.
You must not, other than as may be reasonably necessary to use the website for its intended purpose:
• copy, publish, display, perform or distribute any part of the website in any medium without Corum's prior written authorisation;
• alter or modify any part of the website;
• use the communication systems provided by the website; and
• solicit any users of the website.
7. Disclosure documents
If Corum and other members of the Corum Group offer products and services named on this website this paragraph applies. The offers are identified in the disclosure documents (which include Product Disclosure Statements, where applicable). To invest or use any products or services, please complete the relevant application form attached to or accompanying the relevant disclosure document, a copy of which can be obtained by accessing the document through the appropriate link and printing it or phoning (02) 9289 4699. Users should consider the disclosure document (including Product Disclosure Statement, where appropriate) in deciding whether to acquire or use the product or service.
8. Links to other websites
The website may contain links to other third party websites, which are independent of Corum. Corum makes no representation or warranty as to the accuracy, completeness or authenticity of the information contained in any such site. Your linking to any other websites is at your own risk.
9. Third party content, sites and services
The website may contain features and functionalities that may link you or provide you with access to third party content which is independent of Corum, including web sites, directories, servers, networks, systems, information and databases, applications, software, programs, products or services, and the Internet as a whole.
Your interactions with organisations and/or individuals found on or through the website, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organisations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties.
Corum is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. If there is a dispute between participants on the website, or between users and any third party, Corum is under no obligation to become involved. If you have a dispute with one or more other users, you hereby release Corum, its officers, employees, agents and successors from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes and/or the website.
10. Privacy and information disclosure
11. No spam policy
You must not send unsolicited email advertisements to Corum email addresses or through Corum computer systems. Any unauthorised use of Corum computer systems is a violation of these Terms and certain Commonwealth and State laws.
12. Termination of service
13. Proprietary rights
The website is protected to the maximum extent permitted by copyright laws and international treaties. Anything displayed on or through the website is protected by copyright separately and as a collective work and/or compilation, pursuant to copyrights laws, and international conventions. Any reproduction, public performance, modification, creation of derivative works from or redistribution of the website or the collective work, and/or copying or reproducing the website or any portion thereof to any other server or location for further reproduction or redistribution is prohibited without the express written consent of Corum.
You must not reproduce, duplicate or copy anything from the website without the express written consent of Corum, and agree to abide by any and all copyright notices displayed on the website.
You may not decompile or disassemble, reverse engineer or otherwise attempt to discover any source code contained in the website. Without limiting the foregoing, you agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any aspect of the website.
Corum owns trade marks which are registered or under application. Some of those trade marks are used in this website, including the name Corum and Corum’s logo. You are not permitted to use Corum’s trade marks without its prior written consent, unless such use is otherwise permitted by this web-site or by law.
14. Information disclaimer
All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and neither Corum nor any other company in the Corum Group have verified the information, which may not be complete or accurate for your purposes. Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.
In preparing the information contained on this website, Corum has not taken into account your objectives, financial situation or needs. Before undertaking any transaction on the basis of the information contained on this website, you should consider (with or without the assistance of an adviser) whether the information in or processes of this website are appropriate to you in light of your particular objectives, financial situation and needs. You should obtain the disclosure document from the relevant product supplier (including Product Disclosure Statement where applicable) relating to a product referred to on this website before making any decision about whether to acquire the product.
The information on this website is based on current laws and their interpretation, including taxation laws. The levels and basis of taxation may change. The application of many laws, including taxation laws, depends upon a user’s individual circumstances. You should, therefore, consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.
In contributing information contained on this site and in providing their respective products and services through this site, and unless expressly stated otherwise, each company which is a member of the Corum Group and is identified on this site is acting as principal and does not act as a representative of any other company in the Corum Group.
To the extent that general advice is provided on this website, it is provided by the relevant company based on the circumstances and context in which the advice is given on this website:
15. Disclaimer of warranties
USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS", “WITH ALL FAULTS” AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND. ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. TO THE FULLEST EXTENT PERMITTED BY LAW, CORUM DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS, ACCURACY, AND PERFORMANCE OF THE WEBSITE AND THE SERVICE. TO THE FULLEST EXTENT PERMITTED BY LAW, CORUM DISCLAIMS ANY WARRANTIES FOR OTHER SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON THE WEBSITE OR THE SITES OR SERVICE, OR ACCESSED THROUGH ANY LINKS ON THE WEBSITE. TO THE FULLEST EXTENT PERMITTED BY LAW, CORUM DISCLAIMS ANY WARRANTIES FOR VIRUSES OR OTHER HARMFUL COMPONENTS IN CONNECTION WITH THE WEBSITE OR THE SERVICE.
THE DOWNLOAD OR UPLOAD OF ANY MATERIAL THROUGH THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY LOSS OR DAMAGE TO YOUR MATERIAL OR TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT MAY RESULT IN THE DOWNLOAD OR UPLOAD OF ANY MATERIAL.
16. Limitations of liability
UNDER NO CIRCUMSTANCES SHALL ANY CORUM ENTITIES (AS DEFINED IN PARAGRAPH 17) BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (EVEN IF THE CORUM ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM OR CONNECTED WITH ANY OF THE FOLLOWING:
(A) ANY ASPECT OF YOUR USE OF THE WEBSITE, WHETHER THE DAMAGES ARISE FROM USE OR MISUSE OF THE WEBSITE, FROM INABILITY TO USE THE WEBSITE, OR THE INTERRUPTION, SUSPENSION, MODIFICATION, ALTERATION, OR TERMINATION OF THE WEBSITE;
(B) ANY BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE;
(C) OTHER SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH THE WEBSITE;
(D) ANY DAMAGE OR CORRUPTION TO OR LOSS OR DESTRUCTION OF ANY OF YOUR MATERIAL; OR
(E) ANY LINKS ON THE WEBSITE, AS WELL AS BY REASON OF ANY INFORMATION OR ADVICE RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH THE WEBSITE OR ANY LINKS ON THE WEBSITE.
THESE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
You are solely responsible for defending any claims or demands referred to in above, and for payment of losses, costs, damages or expenses resulting from the foregoing to both a third party and to any of the Corum Entities. Each Corum Entity shall have the right to withhold payments to you to offset liabilities and expenses covered hereunder. You must not enter into any proposed settlement or resolution of any claim (whether having been finally adjudicated or otherwise) brought against you or the Corum Entity, if such settlement or resolution results in any obligation or liability for the Corum Entity.
18. General information
You agree that: (i) the website shall be deemed solely based in New South Wales, Australia; and (ii) the website shall be deemed a passive website that does not give rise to personal jurisdiction over Corum, either specific or general, in jurisdictions other than New South Wales, Australia.
These Terms and the relationship between you and Corum shall be governed by the laws of the State of New South Wales, Australia without regard to its conflict of law provisions. You and Corum agree to submit to the personal and exclusive jurisdiction of the courts of New South Wales, Australia.
Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
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