Website Terms

Terms and conditions of use

1. General terms and conditions for all users

1.1 The www.monoova.com  website (this "Website") is owned by Moneytech Limited (ACN 106 249 852) ("Moneytech").  It is operated by Moneytech and other companies in the Moneytech Group  (including, but not limited to, Moneytech Group Limited (ACN 611 393 554),  Moneytech Finance Pty Limited (ACN 112 110 906), Moneytech Finance 2 Pty Ltd  (ACN 639 950 584), Moneytech FX Pty Limited (ACN 151 337 852), Moneytech  Payments Pty Limited (ACN 126 015 227) t/as Monoova, Moneytech Services Pty  Limited (ACN 112 110 933)) and their related bodies corporate and affiliates (Moneytech  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.

1.2 Your access to and use of  this Website is subject to these terms and conditions, Moneytech Privacy  and Credit Reporting Policy, Privacy  Consent, User Terms, notices, disclaimers and any other terms and conditions  or other statements contained on this Website, and, if you use any of the services  identified on this Website for which additional or alternative terms and  conditions are referred to, those additional terms and conditions for those  other services (referred to collectively as "Terms of Use").  By accessing, viewing or otherwise using this Website, you agree to be  subject to these Terms of Use.

1.3 Moneytech may, at its  sole discretion, vary or modify these Terms of Use without notice. Any  subsequent access to or use by you of this Website will constitute an  acceptance of those modifications.

1.4 You agree that where Moneytech  or any other company in the Moneytech Group desires to provide you with a  document/s, you consent to the provision of that document electronically  through the links on this Website and by any other electronic means including,  but not limited to, email or Docusign (“Electronic Communication”). We  suggest that you print a copy of the document, or file it electronically, for  future reference. You may withdraw your Electronic Communication consent at  any time by contacting us on privacy.officer@moneytech.com.au.

1.5 If you provide any  personal information to us about another Person (other than yourself), you warrant  that you have the authority of that Person to share their personal  information with us and to authorise us to hold, use and disclose their  information in accordance with our Privacy and Credit Reporting Policy.

 Australian  investors only

1.6 Unless otherwise stated expressly, products and services  referred to on this Website are only available to Australian residents in  Australia.

Products and services

1.7 Moneytech and other members of the Moneytech Group  currently offer products and services named on this Website. To invest or use  any products or services, please read and complete the application form  attached to or accompanying the relevant link or email. Users should consider  their own financial and legal advice in deciding whether to acquire or use  the product or service.

Important  disclaimers

1.8 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 Moneytech nor any other company in the  Moneytech 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.                                                                                                                                                                                                

1.9 Neither Moneytech nor any other company in the Moneytech  Group nor any of their directors, employees and associates guarantees the  security of this Website, gives any warranty of reliability or accuracy nor  accepts any responsibility arising in any other way including by reason of  negligence for, errors in, or omissions from, the information on this Website  and does not accept any liability for any loss or damage, however caused,  directly and indirectly as a result of any person relying on any information  on this Website or being unable to access this Website. This disclaimer is  subject to any applicable contrary provisions of the Australian Securities  and Investments Commission Act and Australian Consumer Law that cannot be  excluded or modified as a matter of law. To the extent to which those  provisions can be excluded or modified as a matter of law, by using this Website,  you agree that those provisions be excluded completely or modified, as the  case may be

You expressly agree that your use of browsing of this  Website is at your own risk.  Neither, Moneytech,  nor any other party involved in creating, producing or delivering the Website  or our content partners are liable for any direct, incidental, consequential,  indirect or punitive damages arising out of your access to, or use of this  Website.

Everything on this Website is provided to you “AS IS”  without warranty of any kind, either expressed or implied, including, but not  limited to, the implied warranties or merchantability, fitness for a  particular purpose or non-infringement.

While Moneytech uses its reasonable efforts to ensure that  any materials or software downloaded from this Website do not include viruses  or defects we make no warranties or representations that this Website are  free from defects or viruses. Moneytech  assumes no responsibility and shall not be liable for any damage caused by  any viruses that may infect your computer equipment through your access to,  use or, or browsing on this Website or your downloading of any software or  materials accessed from the Website.

While we take all reasonable steps to ensure a fast and  reliable service, we make no representations or warranties that the Website  will be uninterrupted or error free.   We assume no responsibility for the security of the Website or for any  disruption of this Website, howsoever caused, directly or indirectly, loss or  corruption of any material in transit, or loss or corruption of material when  downloaded onto any computer systems.

1.10 Should you leave this Website via a link contained within a  Moneytech or Moneytech Group Website, and view content that is not provided  by Moneytech or a company in the Moneytech Group, including content in  relation to the (potential or actual) issue, offer or sale of a financial  product:

(a) you do so at your own risk. The content to which  you link will not have been produced, checked for accuracy, or otherwise  reviewed by Moneytech or a company in the Moneytech Group. Neither Moneytech nor  any company in the Moneytech Group is responsible for damages or losses  caused by any delays, defects or omissions that may exist in the services,  information or other content provided in such site, whether actual, alleged,  consequential or otherwise. Neither Moneytech nor any company in the  Moneytech Group makes any guarantees or representations as to, and shall have  no liability for, any electronic content delivered by any third party;

(b) links to other websites are provided for  convenience only and do not represent any endorsement by Moneytech or a  company in the Moneytech Group of the products or services offered by the website  owner;

(c) you should endeavour to obtain the terms and  conditions for the relevant product from the issuer or seller of the product  as identified on the website to which you link;

(d) you should consider the terms and conditions or  Product Disclosure Statement (if applicable) for the relevant product in  deciding whether to acquire, or to continue to hold, the product.

1.11 Any transaction with any party other than Moneytech, or a  company in the Moneytech Group, referred to or allowed on this Website does  not represent or give rise to any warranty, representation or other liability  of, Moneytech or any other company in the Moneytech Group with respect to  that transaction or the relevant product or service, and are subject to  risks, including defects and possible delays in delivery or loss of income  and capital invested. Other than where the terms of the particular transaction  expressly state otherwise, no member of Moneytech or the Moneytech Group  stands behind any such transaction or guarantees the performance of any other  person referred to on this Website.

1.12 In preparing the information contained on this Website, Moneytech  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 terms and conditions from the  relevant product supplier (including Product Disclosure Statement if applicable)  relating to a product referred to on this Website before making any decision  about whether to acquire the product.

1.13 The information on this site 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.

1.14 To the extent permitted by law and without limiting any  previous paragraph, Moneytech accepts no liability for any loss or damage  (including indirect, special or consequential loss or damage) to any person  arising from the use of or reliance upon information contained in or accessed  through, or any services contained via or provided by, this Website. If such  disclaimer is prohibited by law, Moneytech limits its liability (to the  extent permitted by law) to the resupply of such information, access or  services.

2.     Proprietary Rights

2.1 Copyright in the information contained in this site  subsists under the Copyright Act 1968 (Cth) and, through international  treaties, the laws of many other countries. Copyright in the information  contained on this Website is owned by Moneytech. All rights are reserved. You  may use this information for your own personal reference only. You may reproduce  this information in hard copy solely for your personal use. Except as  permitted under the Copyright Act 1968 (Cth) or other applicable laws, no  part of this site or publication may be otherwise reproduced, adapted,  performed in public or transmitted in any form by any process (graphic,  electronic or mechanical, including photocopying, recording, taping or by  storage in an information retrieval system) without the specific prior  written consent of Moneytech.

2.2 You acknowledge that Moneytech is the owner of all of the  property together with the rights and entitlement to the Website and  including, the trademarks which are registered or under application. Some of  those trademarks are used in this Website. You are not permitted to use Moneytech’s  trademarks without its prior written consent, unless such use is otherwise  permitted by this Website or by law.You acknowledge that Moneytech is entitled to disclose all  information and material as provided by you if compelled or otherwise  required to do so by law, at the request of a third-party, or if Moneytech in  its absolute discretion believes that the disclosure is required in order to,  comply with law, requests from law enforcement or any legal process, or to  protect or defend Moneytech’s rights or property.

3.     Governing Law

You agree that the Australian Law will govern these Website terms and the Website and products and services provided via the Website. Any dispute arising out of theWebsite will be subject to the exclusive jurisdiction and venue of the federaland state courts within Australia.