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Privacy Policy and Website Terms of Use

Disclosure

Banking in Australia (BiA, also “We”, “Us” or “Our”) is educational online resource aimed at helping individuals who have desire to learn more about banking system in Australia and related practices, understand and acquire healthy personal finance habits as well as establish efficient financial footprint in Australia upon immigrating.

Acceptance of privacy policy & terms of use

This site is owned and operated by Sash Jacobson¹ for your personal use, information and education. By accessing and browsing this site, you agree that your use of Banking in Australia website indicates your acceptance of this privacy policy & terms of use. Any engagement with this website, including any email correspondence is considered to be purely on a voluntary basis and means that you agree to accept the terms and conditions as stated in this policy.

Changes to privacy policy & terms of use

These are the current privacy policy & terms of use. They replace any other privacy policy & terms of use for Banking in Australia website published on this website to date. We reserve the right to change this privacy policy & terms of use at any time and without advanced warning by updating this page. You are bound by any such revisions and should therefore review this page every time you visit this site. We reserve any rights not expressly granted in these terms and conditions.

General information only

The information on this website is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. It should not be construed as financial, taxation or legal advice.

We provide material on this website not as professional advice but as guidelines for convenience only, upon the condition that the user, by receiving, reading and listening to the material contained on this web site, agrees not to act in reliance upon it without first satisfying himself/herself by independent inquiry or advice as to the correctness, accuracy, relevance, currency, reliability or otherwise of that material, including (without limitation) representations of fact, nature, quality and suitability.

Before acting on the basis of this information, you should consider its appropriateness to your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Prospectus or Product Disclosure Statement before making any decision to acquire a financial product.

Accuracy of information and limitation of liability

Banking in Australia does not warrant the accuracy, completeness, currency or usefulness of information made available through this website. Material on this site is provided “as is” and does not constitute a warranty of any kind, either expressed or implied. Banking in Australia will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this website. However, we will endeavor to ensure that information is updated as soon as practicable when we become aware that material changes have occurred.

Banking in Australia makes no warranty that the use or operation of this website will be uninterrupted or error-free or that the website is suitable for any particular purpose or has any performance, functionality or security features except as we are required to provide by law. To the extent permitted by law, Banking in Australia’s liability is limited to resupplying the services accessible through this website.

The user agrees that the user shall have, make or bring no action, suit, claim, demand or proceedings against us for damages, compensation, losses, costs, expenses, orders or any other legal or equitable remedy should any such material be found to be incorrect, inaccurate, erroneous, defective, deceptive or misleading, whether caused by negligence or any other cause whatsoever.

This disclaimer also applies to material contained on other web sites connected by hypertext link to this web site.

Although we believe that our web hosting company provides appropriate security measures, we are not responsible for the practices, actions or inactions of that company.

Our commitment to privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available by linking to this page in footer section of every page of our website.

Personal information we receive and collect

We receive and collect several categories of personal information.

Information that you voluntarily provide: for example, we may collect information received from user opt-in input forms or emails and comments submitted through this site as well as any other communication or correspondence you send.

Information collected by our web servers: when you visit this site, our web servers may automatically collect your internet protocol (IP) address and information about the web page that you visited immediately prior to visiting our site.

Cookies: a cookie is a small text file that is sent to your web browser from a web server and stored on your computer’s hard drive. When you visit this site, a cookie may be sent to your computer. You can control whether or not you want to accept cookies by adjusting the settings on your browser.

Use of personal information collected

We may use the information that visitors provide us to respond to correspondence, improve our site, inform visitors of new products and services and for informational or other developmental purposes.

We may use the information collected by our web servers to help us track our visitors’ use of the site, analyze traffic patterns, record session information, store visitors’ preferences, and identify sources of web traffic to our site.

We may use cookies to record session information, such as items that visitors add to their online shopping cart.

We reserve the right to share your personally identifiable information, including but not limited to your email, postal address, and phone number with affiliates and third parties. In the event that our company or its assets are acquired by or merged with a third party, the information collected by our site may be one of the assets transferred.

We may also use personal information to investigate, prevent or take action against suspected illegal activities, problems with this site, or as required by law. We may use the information for legal proceedings, such as responding to subpoenas, court orders, or to establish or exercise our legal rights or defend against legal claims.

Copyright

Banking in Australia website content is copyright and the information provided on, and available from, this website is owned by Banking in Australia. You may not alter or modify this information in any way. This information may be viewed online and may be reproduced in hard copy only for your personal reference. You may only use the copyright material on this website with Banking in Australia’s express permission and in accordance with Banking in Australia’s directions from time to time.

The use of, and creation of links to, this website (including use of Banking in Australia copyright material) are at the risk of the user and are subject to Banking in Australia’s rights and the user’s general legal obligations. We make no warranty and accept no liability in relation to use of the copyright material. For further information about creating links to this website and about using our copyright material, contact us through our online form on our Contact page.

Links to other websites

This website may have links to other websites, which are operated by third parties. Banking in Australia does not endorse or approve the information, graphics and materials that may be contained on those websites. Furthermore, Banking in Australia does not make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information. Hence, Banking in Australia advises that you do not act on the information contained within these websites without obtaining independent legal advice. Third party links will load into a new window.

This policy does not apply to websites that this site links to, websites that link to this site, websites framed by this site or any other third party websites. Banking in Australia is not responsible for the content, products or services on those sites.

Affiliate links

Occasionally, Banking in Australia site may link to informational products or other goods and services available for sale using an affiliate link. Affiliate links are used to track purchases you make on other sites that this site refers you to and we will earn a commission if you purchase through those links (at no extra cost to you).

Banking in Australia recommends that you do your own independent research before purchasing any product or service. Articles with affiliate links are not a guideline, a recommendation or endorsement of specific products unless otherwise stated.

Links to other sites, including sites offering larger purchases or investments, may be affiliate links as well, or may use some other method to compensate us for referring you.

Any referral or recommendation this site makes for a product or service is made first and foremost because we believe in the product or service being recommended and feel it will be of legitimate interest to our readers. We may refer products or services that initially do not compensate use, and later make an arrangement with the merchant to earn a commission for future referrals.

Any goods or services this site may refer you to are believed to be of legitimate value, but you must always do your own due diligence before making any purchase or investment. We cannot be held responsible for transactions or investments you make as a result of a referral from this site. If you wish to enter into a relationship with a merchant, it may be advisable for you to place a small order first to ensure your satisfaction.

Delivery of products

Most of Banking in Australia products are digital in nature. E-Books, guides, self-study packs, online Memberships and similar products will be available to you online immediately after purchase with nothing mailed to your home. You will receive email(s) within approximately 1 hour after your purchase telling you how to access your product.

Opt out rights

If, at any time after visiting the site, you change your mind about receiving information from the site or sharing your personal information as described in this privacy policy, you may request an opt out, by contacting us.

No children under 18

This site is not directed to, nor does it knowingly collect any personal information from children under 18. If a child who we know to be under age 18 sends personal information to us online, we will only use that information to respond directly to that child, notify parents or seek parental consent.


¹ Real name adjusted for easier pronunciation for English speaking audience.