These Terms of Service govern your access to and use of the website operated by Liquide Pty Ltd (ABN 88 660 711 928, ACN 660 711 928) (Liquide, we, us or our), together with any website content, functionality or online services that link to these Terms.
By accessing or using our website, you agree to these Terms of Service.
If you do not agree to these Terms, you should not use the website.
These Terms relate to the use of our public website and associated website functionality. If you acquire, apply for or use a particular product or service offered by Liquide or another provider, additional terms, agreements, disclosures or consents may apply. If there is an inconsistency between these Terms and specific terms governing a particular product or service, the specific terms will apply to that product or service to the extent of the inconsistency.
1. About the website
Our website may provide information about Liquide, our business, products, services, concepts, research, educational material and other financial or commercial topics.
We may also make available features such as contact forms, enquiries, calculators, tools, modelling, estimates, illustrations or links to third-party products or services.
Website content is provided for general informational purposes unless we expressly state otherwise.
2. General information only
Unless expressly stated otherwise, content made available through the website is general information only.
It is not intended to constitute personal financial advice, financial product advice, credit advice, investment advice, legal advice, taxation advice or accounting advice.
Website content does not take into account your individual objectives, financial situation, needs or circumstances.
Before acting on information provided through the website, you should consider whether it is appropriate for your circumstances and, where appropriate, obtain professional advice.
Nothing on the website should be interpreted as a recommendation, guarantee or representation that a particular financial strategy, product, transaction, lender, investment or course of action is appropriate for you.
Where particular content constitutes regulated advice or another regulated financial service, any additional disclosures and terms required by law will apply.
3. No guarantee of finance, approval or outcomes
Information on the website does not constitute an offer or commitment by Liquide or any third party to provide finance, credit, investment, financial services or any other product or service.
Submitting an enquiry, expression of interest, information or application through the website does not guarantee:
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approval;
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availability of finance or another product or service;
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any particular interest rate, fee, price or commercial term;
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any particular financial or commercial outcome; or
- acceptance by Liquide or a third-party provider.
Any actual transaction, product or service may be subject to separate assessment criteria, eligibility requirements, verification processes, approvals, agreements and terms.
4. Calculators, modelling and estimates
Where we make calculators, modelling tools, projections, comparisons, estimates, examples or illustrations available through the website, they are provided for general informational purposes only.
Outputs may be based on assumptions, simplified inputs, historical information or information supplied by you.
Actual outcomes may differ materially.
Unless expressly stated otherwise, calculations and estimates do not constitute a quote, offer, valuation, approval, forecast, guarantee or commitment by Liquide or any third party.
You are responsible for considering the assumptions and limitations applicable to any calculation or model before relying upon it.
5. Accuracy and currency of information
We aim to provide useful and accurate information but cannot guarantee that all website content will at all times be complete, accurate, current or suitable for every purpose.
Financial, economic, regulatory, market and commercial conditions can change quickly. Information may become outdated after publication.
We may update, correct, remove or replace website content at any time.
You should independently verify information that is important to a financial, commercial, investment or other material decision.
6. Permitted use
We grant you a limited, non-exclusive, non-transferable and revocable right to access and use the website for lawful personal or business purposes in accordance with these Terms.
You must not:
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use the website for an unlawful, fraudulent or misleading purpose;
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interfere with, damage, disrupt or place an unreasonable load on the website or infrastructure supporting it;
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attempt to gain unauthorised access to any system, account, database, network or information;
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introduce malware, malicious code, automated attacks or other harmful material;
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scrape, harvest or systematically extract website content or data except where permitted by law or with our prior written consent;
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use automated systems, bots or similar technologies in a manner that materially disrupts the website or circumvents reasonable technical restrictions;
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impersonate another person or misrepresent your identity or authority;
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use the website to transmit unlawful, defamatory, fraudulent, abusive, infringing or malicious material;
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infringe another person’s privacy, intellectual property or other legal rights;
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remove or alter copyright, trademark or proprietary notices;
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reproduce, republish, commercialise or redistribute substantial parts of the website except as permitted by these Terms or by law; or
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attempt to reverse engineer, decompile or otherwise derive source code from software forming part of the website except to the extent such restriction is prohibited by law.
7. Intellectual property
Unless otherwise stated, the website and the content made available through it, including text, graphics, branding, logos, designs, software, methodologies, data compilations and other material, are owned by or licensed to Liquide and are protected by applicable intellectual property laws.
You may view, download or print reasonable portions of website content for your own personal or internal business use.
This permission does not transfer ownership of any intellectual property to you.
You must not reproduce, modify, distribute, sell, license, publish, commercially exploit or create derivative works from our content without our prior written permission, except where permitted by law.
All rights not expressly granted are reserved.
8. Information you provide to us
You are responsible for ensuring that information you provide through the website is, to the best of your knowledge, accurate and not misleading.
You must not knowingly provide information that:
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infringes another person’s rights;
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you are not authorised to provide;
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is unlawful or fraudulent; or
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contains malicious software or code.
Providing information through the website does not transfer ownership of that information to Liquide.
You grant us permission to use information you provide to the extent reasonably necessary to respond to your request, operate our business, provide relevant services and comply with applicable law.
Our collection and handling of personal information is governed by our Privacy Policy.
9. Third-party services and links
Our website may contain links to, integrations with or information about websites, products, services or platforms operated by third parties.
A link or reference to a third party does not necessarily mean that Liquide endorses, controls or guarantees that third party or its products or services.
Third-party services may have their own terms, privacy policies, fees, eligibility requirements and risks.
Liquide is not responsible for third-party websites or services except to the extent responsibility cannot lawfully be excluded.
You should review the applicable terms and information before using or acquiring a third-party product or service.
10. Website availability and security
We aim to keep the website available and secure but do not guarantee uninterrupted, error-free or continuously available access.
From time to time, access may be unavailable due to maintenance, updates, technical issues, security events, telecommunications failures or circumstances outside our reasonable control.
We may change, suspend, restrict or discontinue website functionality where reasonably necessary for security, maintenance, legal, operational or business reasons.
You are responsible for taking reasonable precautions when accessing online services, including maintaining appropriate device and network security.
11. Privacy
Our handling of personal information is governed by our Privacy Policy.
By providing personal information to us, you acknowledge that it will be handled in accordance with that policy and applicable privacy law.
12. Liability and consumer protections
Nothing in these Terms excludes, restricts or modifies any right, guarantee, condition, warranty, remedy or liability that cannot lawfully be excluded, restricted or modified, including rights that may arise under the Australian Consumer Law or other applicable legislation.
Subject to those rights, the website and its content are provided on an “as available” basis.
To the maximum extent permitted by law, Liquide does not give any additional express or implied warranty that:
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the website will always be available, secure or error-free;
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website information will always be complete, accurate or current;
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website content will be suitable for your particular circumstances; or
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use of the website will produce any particular financial, commercial or other outcome.
To the maximum extent permitted by law, Liquide will not be liable for indirect or consequential loss arising solely from your use of, inability to use, or reliance upon the website or general website content.
This may include loss of profit, opportunity, revenue, anticipated savings, goodwill or data, where such loss was not reasonably foreseeable or where liability may otherwise lawfully be limited.
Nothing in this section limits liability where doing so would be unlawful.
13. Your responsibility for decisions
You remain responsible for decisions you make based on information available through the website.
Financial and commercial decisions may involve significant risks and consequences.
The fact that information, tools or examples are made available by Liquide does not remove the need for you to exercise your own judgment or obtain advice appropriate to your circumstances.
14. Suspension or restriction of access
We may restrict or suspend access to all or part of the website where we reasonably believe this is necessary because:
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you have materially breached these Terms;
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your use creates a security, legal or operational risk;
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your activity may harm Liquide, another user or a third party;
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we are required to do so by law; or
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we need to protect the integrity or availability of the website.
Where reasonably practicable and appropriate, we may provide notice of a suspension or restriction.
15. Changes to the website
We may change the website, its content or functionality from time to time.
The website may also refer to products, features, concepts or services that are being developed, tested or considered.
Unless expressly stated otherwise, references to future products, functionality, projections or development plans are indicative only and are not commitments that those products or features will be released or made available.
16. Changes to these Terms
We may update these Terms from time to time to reflect changes in our website, business, technology, legal obligations or operating practices.
The latest version will be published on our website together with its effective date.
Changes will apply from the date stated in the updated Terms.
Where a change materially affects an existing service relationship and applicable law requires additional notice or consent, we will comply with those requirements.
17. No waiver
If we do not immediately exercise a right under these Terms, this does not mean we have waived that right.
A waiver will only be effective to the extent expressly given.
18. Severability
If any provision of these Terms is held to be invalid, unlawful or unenforceable, that provision will be interpreted or severed to the minimum extent necessary.
The remaining provisions will continue to operate to the extent permitted by law.
19. Relationship with other agreements
These Terms govern use of the public website.
They do not replace any separate agreement entered into between you and Liquide concerning a particular product, service, engagement or transaction.
If you enter into a separate agreement with Liquide, that agreement may contain different or additional rights, obligations, limitations and disclosures.
20. Governing law
These Terms are governed by the laws of Western Australia and applicable laws of the Commonwealth of Australia.
Subject to any rights you have to bring proceedings elsewhere under applicable law, the parties submit to the jurisdiction of the courts of Western Australia and courts having appellate jurisdiction from them.
21. Contact us
If you have questions about these Terms of Service, please contact:
Liquide Pty Ltd
ABN 88 660 711 928
ACN 660 711 928
Email: flow@liquide.money