Terms and Conditions for Mortgage Free Australia Internet World Wide Web Sites Mortgage Free Australia Company, its subsidiaries and affiliates ("Mortgage Free Australia") requires that all the visitors to our site(s) on the World Wide Web (the "Site") adhere to the following rules and regulations. By accessing the Site and/or making a purchase you indicate your acknowledgment and acceptance of these terms and conditions.

User access to and use of the Site is subject to the laws and regulations of Western Australia.

Copyright Notices

All content of this web site, including text, pages, documents, graphics, audio and video, are copyright of Mortgage Free Australia Pty Ltd, or its suppliers.

Apart from any fair dealing for the purposes of private study, research, criticism or review, as permitted under copyright legislation, no part of this web site may be reproduced, reused, or transmitted in any form by means digital or mechanical, without the prior written permission of the publishers. Material from the site may be printed or downloaded for personal use only, and all copyright and other proprietary notices must be retained.

Liability Disclaimer

MORTGAGE FREE AUSTRALIA WILL USE ALL REASONABLE ENDEAVOURS TO PROTECT AND KEEP CONFIDENTIAL AND PERSONALLY IDENTIFIABLE INFORMATION IN ITS POSSESSION IN RELATION TO ITS SUBSCRIBERS. IF ANY CONFIDENTIAL OR PERSONALLY IDENTIFIABLE INFORMATION IS ACCESSED BY A THIRD PARTY, WHETHER BY NEGLIGENCE OR OTHERWISE OF MORTGAGE FREE AUSTRALIA, ITS AGENTS, CONTRACTORS, RELATED BODIES CORPORATE, AFFILIATES OR ASSOCIATED PARTIES, TO THE EXTENT PERMITTED BY LAW, MORTGAGE FREE AUSTRALIA IS NOT LIABLE TO YOU OR TO ANY PERSON CLAIMING THROUGH YOU IN ANY WAY FOR ANY LOSS, DAMAGE, COSTS, LIABILITY OR OTHER FORM OF CONTRIBUTION.

Every effort has been made to ensure the accuracy of the information contained on the Mortgage Free Australia web site. The publishers, however, shall have no liability to any person or entity with respect to any inaccuracy, misleading information, loss or damage caused directly or indirectly by the information contained on the site.

Changes and additions to the information contained on the Mortgage Free Australia site are made frequently. The publishers may make such changes and additions to the web site at any time without prior notice.

Mortgage Free Australia makes no guarantee that the site or any of the files located at www.mortgagefreeaustralia.com and www.mortgagefreeaustralia.com.au will be free of viruses or any other contaminating or destructive properties.

Price and Availability of Books

All prices given on this site are in Australian dollars, unless otherwise indicated, and all items listed should be currently available. 'Currently available' material is defined as items that can be reliably supplied within 90 days. In other words, stock must be in a Mortgage Free Australia warehouse, or must be currently on order as in the case of reprints and forthcoming publications, and all titles must be available for unrestricted sale. The online catalogue will also contain only those titles that are distributed in this region by Mortgage Free Australia.

Linking Policy

This web site contains links to other sites. Please be aware that we [MORTGAGE FREE AUSTRALIA] are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

External links are included solely for the convenience of users, and do not constitute an endorsement by Mortgage Free Australia of the sites linked or referred to.

Mortgage Free Australia does not prohibit links to its web pages, provided that any such link does not suggest an endorsement by or affiliation with this Company. Preferably, other web sites should link to the Mortgage Free Australia at www.mortgagefreeaustralia.com. However, Mortgage Free Australia does not expressly authorize links to its web pages on other third party web sites, and reserves the right to request that unsuitable links are removed.

Use of Mortgage Free Australia Logo and Other Copyright Graphic Material

Mortgage Free Australia expressly forbids use of its logos and/or trademarks and other copyright graphic material on personal, commercial and other web sites without prior written consent.

No warranties

ALL CONTENT ON THE SITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. MORTGAGE FREE AUSTRALIA DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN MORTGAGE FREE AUSTRALIA. OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL MORTGAGE FREE AUSTRALIA BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE OR OTHER CONTENT.

Confidentiality of User Communications

Except as required by law and in accordance with the Mortgage Free Australia Internet Privacy Statement, Mortgage Free Australia will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to Mortgage Free Australia. Postings by a user on any message board or in any chat room will not be protected as confidential and Mortgage Free Australia may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by Mortgage Free Australia.

Money Back Guarantee

If you are dissatisfied with a physical product purchased from us (either through the Mortgage Free Australia website or mail order department) for any reason, you may return it to us, in its original condition, within 30 days of shipment, for a full refund - less postage & handling.

Please note that refunds cannot be issued for: items that are not directly purchased with a Credit Card, Cheque, or Money Order from us (Mortgage Free Australia), items purchased from any of our resellers, returned more than 30 days after shipping, are in an unsalable condition, or are missing any of their contents.

Postings

[For use in connection with message boards or chat rooms on the Site.] Mortgage Free Australia is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Mortgage Free Australia may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain: Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable local, state, national or international law. Messages posted by users impersonating others. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references. Messages by non-spokesperson employees of Mortgage Free Australia purporting to speak on behalf of Mortgage Free Australia. Messages that offer unauthorized downloads of any copyrighted or private information. Multiple messages placed within individual folders by the same user restating the same point. Chain letters of any kind.

Changes to Rules, Regulations and Offers

All details, rules, regulations, conditions, fees and charges are correct at the time of posting to the website, however Mortgage Free Australia reserves the right to change these at any time without notice. Users are deemed to be apprised of and bound by any changes that are made. In particular, any offer contained on this website may be modified and/or withdrawn at any time prior to acceptance.

Violation of rules and regulations

Mortgage Free Australia reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

Access to password protected/secure areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized members only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

Use of "Cookie" File Features

Mortgage Free Australia reserves the right to store information on a user's computer in the form of a "cookie" or similar file for purposes of modifying the Site to reflect users' preferences.