Terms & Conditions

Terms of Use of www.preapprovemyloan.com.au and/or mortgageapproval.co websites

About these websites

Both websites are operated by Gemexx Pty Ltd ABN 32 126 745 917 T/as The Mortgage Approval Company – Authorised Credit Representative Licence No. 386809 ("we", "us", "our", "Gemexx"). See Gemexx’s Credit Disclosure Guide.

Please note that we provide information on our website about financial products and credit products such as home loans, investment loan, personal loans and car loans. However, we are not a credit provider and we are not suggesting that you apply for a particular credit product with a particular provider of those products, nor are we trying to assist you to apply for a particular credit product with a particular provider. It is also important that you understand that should you decide to apply for a credit product after visiting our website, you will be dealing with Gemexx Pty Ltd T/as “The Mortgage Approval Company” or one of its associated broker companies and not preapprovemyloan.com.au.

Your use of the information on this website is governed by these Terms of Use, including Credit Disclosure Guide, our Security Statement and Privacy Statement.

This website may include information provided by financial institutions, credit or financial services providers and other organisations in connection with the services offered by us or by such third parties. We reserve the right to change the financial institutions, credit or financial services providers and other organisations referred to, and information about them, at any time. We accept no responsibility in respect of any such information or any change to that information.

Disclaimer

The information contained in this website (which is provided for your information and use) and any tools provided (which are for illustrative purposes only) and any results they give, should not be taken as constituting personal advice. Whilst we have made every effort to ensure that such information and tools are correct and complete, we have relied on third party providers and there can be mistakes made, so we do not guarantee the correctness or completeness or appropriateness to you of any of the information provided or linked on this website or the tools (or any calculation) or tables on this website. We recommend that you seek independent advice before acting upon any information provided or linked on this web site. Please ensure you check any information or the results of using any tool if you intend to rely on them. We would appreciate your telling us if you find any error or omission, so we can fix it.

Please also remember when you are using this website that your equipment, our systems and the internet are sometimes subject to performance constraints, which can affect the speed of the website and the use of it you may wish to make. You may experience errors and service interruptions when using this website or accessing any links available on it. In addition, the website may not be available at all times. Further, we do not guarantee that this website or any third party website linked to this website will be free from viruses.

Use and Access

The preapprovemyloan.com.au website and its Content are made available only to genuine bona fide website users interested in gaining a loan pre-approval or finance information for themselves, the goods and services available on the website and any other person who has our prior written consent to do so. By using the website you warrant that you are such a website user.

for commercial purposes (including for competitive advantage or to the competitive disadvantage of Gemexx Pty Ltd, its Related Bodies Corporate or any Supplier);
in any manner that is inconsistent with the purpose for which the website is provided;
in any manner which is in breach of any laws; or
in any other way which is not expressly permitted by these Terms or Gemexx.

Without limiting the above, you will not and will not permit a third party to:

use or access the website or its Content in a way that infringes the intellectual property rights or other rights of any person;
copy or disclose to any person, any content other than as expressly permitted by these Terms;
use any method or process (including data scraping, collection or accumulation tool, robot, spider or scripted responses) for the purpose of obtaining, processing, copying, replicating, distributing, reconfiguring, republishing, viewing, assessing, analysing, modifying or repackaging the content;
use any method or process to consolidate or combine the content with any other content, data, information, images or material;
reverse engineer, disassemble or otherwise attempt to construct or identify the website's source code, formulas or processes;
use, access or retain any content in any manner or form whatsoever, unless expressly permitted by these Terms;
use systematic, repetitive or any other methods which are designed to obtain a large number of quotes, comparisons, rankings or other pricing and related information from the Website;
use, obtain or attempt to obtain from the website, information in order to identify or discover pricing, underwriting, rating and related business methodology or systems;
do anything which will or may damage, disrupt access to or interfere with the proper operation of the website;
do anything which will or may place an unreasonable load on the infrastructure of the website;
post, distribute or send any 'spamming material' or any other form of bulk communication;
impersonate any person or entity;
publish or disseminate any material which is unlawful, defamatory, indecent, offensive or inappropriate;
use thew website to harass, defame, abuse, threaten or otherwise offend others; and
transmit any material which contains viruses or other computer codes designed to interrupt, limit or destroy the efficient operation of the website, its software or hardware.

Limitation of Liability

To the fullest extent permitted by law, we:

(a) exclude all implied terms in respect of this website and any services offered on it which are not expressly included in these Terms of Use; and

(b) will not be liable for any loss or damage of any kind suffered by you, regardless of the nature of such loss or damage, and regardless of the nature of the claim, whether in contract, tort or any other legal theory, and whether or not we know of the possibility of such loss or damage.

We will only accept liability where we have expressly agreed to do so in a contract between us, or such liability is prescribed by statute. In such cases where the law imposes upon us a liability which cannot be excluded, to the fullest extent permitted by law, our liability will be limited at our option to (i) the supply of services again, or (ii) the payment of the cost of having the services supplied again.

Jurisdiction

The law applicable to the use of this website and to these Terms of Use is the law of the State of Victoria, Australia, and we each submit to the exclusive jurisdiction of the Courts in and of Victoria in relation to any matters arising under these Terms of Use or in relation to this website.

Acceptance and Changes to Terms of Use

You acknowledge and accept that your use of this website indicates your acceptance of these Terms of Use, Security Statement and Privacy Statement. We may change these Terms of Use, Security Statement and Privacy Statement at any time.

Gemexx Security Statement & Security Features

We are committed to implementing a number of security controls to ensure the integrity and security of data. These include the implementation of:

Encryption. Encryption will be used on all data that is sent between your computer and any of the secure pages on our website.
A time-out period after a period of browser inactivity to reduce the risk of anyone else accessing your account details if you leave your computer.
Regular security reviews of our systems architecture.

Security Precautions

Below are some simple actions you can take to protect your information and increase your own security when transacting on line. This list should not be regarded as exhaustive and is provided for information purposes only.

Make sure you sign in via the authorised preapprovemyloan.com.au site address http://www.preapprovemyloan.com.au/ and always sign in directly from your browser.
Check that the secure session has been authenticated with a valid security certificate.
Never accept links or redirections from other websites or emails for the purpose of signing into this website.
Be wary of using public or Internet Cafe computers to access or perform financial transactions.
Always check for a locked padlock symbol at the bottom right corner of your browser, as this indicates it is secure to use.
Ensure you do not record or save your Customer ID and/or Password on your computer.
Disable or switch off the option on your browser for retaining user names and passwords.
Ensure that you are not observed when entering your User Name and Password when you sign into http://www.preapprovemyloan.com.au/.
For your security, your password should:
- not contain your name, date of birth, telephone number or address
- not be disclosed to anyone else, not even family members or friends
- not be stored in your computer's programmable function keys
- be changed regularly and be easy to memorise but difficult to guess
- keep your password secret and change it regularly.
. If you have lost, forgotten or misplaced your Password, simply click on “lost password?” in the member’s log-in box on the preapprovemyloan homepage and your password will be sent to you automatically and securely.
We should be notified immediately if you suspect that your Password has been compromised or you are concerned of any suspect activity on your Account.
Remember: our staff will never ask you for details of your Password.
Always use the latest antivirus, anti-spyware and firewall software to maintain security.
If there are any transactions you are unfamiliar with or that look suspicious, please contact us.