Makes Cents Services Pty Ltd ABN 13 630 717 243 (‘Makes Cents Services’) has the right to operate the Makes Cents Services website (the Website) and these Terms & Conditions apply to your use of the Website. Your use of the Website including accessing or browsing the Website or uploading any material to the Website is deemed to be your acceptance of these Terms and Conditions. Please read these carefully and if you do not accept the Terms and Conditions set out below please exit the Website and refrain from using the Website.
A User can contact Makes Cents Services at any time on (hello (at) makescents.com.au) to opt out of direct marketing with the subject line as Unsubscribe, or by clicking the ‘unsubscribe’ link found at the bottom of our digital communication, or in writing to: Makes Cents Services Pty Ltd, Po Box 4194 Fitzroy VIC 3065 Australia.
If you breach any provision of these Terms and Conditions your right to access the Website will be immediately revoked. The Website is for Australia residents only aged 18 years or over.
A User can contact Makes Cents Services at any time on (hello (at) makescents.com.au) to opt out of direct marketing with the subject line as Unsubscribe, or by clicking the ‘unsubscribe’ link found at the bottom of our digital communication, or in writing to: Makes Cents Services Pty Ltd, Po Box 4194 Fitzroy 3065 Victoria Australia.
1. Intellectual Property
Makes Cents Services use the words ‘Makes Cents’ as a trade mark in Australia (‘Trade Mark’). You are not permitted to use the Trade Mark or any other trademarks which belong or are licensed to Makes Cents Services or any of Makes Cents Services Intellectual Property which includes but is not limited to copyright material, confidential information, designs and other content located on the Website without Makes Cents Services prior written authorisation.
The information, images and text on the website may be subject to copyright and are the property of or otherwise property that is licensed to Makes Cents Services. Trademarks used on the Website to describe other companies and their products or services are trademarks which belong to or are licensed to those companies (Other Trade Marks). The Other Trade Marks are displayed on the Website to provide information to you about other products or services via the Website. You agree not to download, copy, reproduce or in any way use the Other Trade Marks without authorisation from the owner/s of the Other Trade Marks.
You acknowledge that you are expressly prohibited from using the phrase ‘Makes Cents’ or any part of the Website domain name without the written consent of Makes Cents Services. You agree that you are prohibited from reverse engineering the Website or otherwise attempting to copy the Website functionality or obtain from the Website information or data including but not limited to User’s personal information.
2. Information and Liability
You acknowledge that Makes Cents Services is not liable or responsible for any errors or omissions in the content of the Website. The information contained on the Website is provided for general information purposes only. Makes Cents Services make no warranties as to the accuracy, completeness or health risks in relation to the recommendations, information or material contained on the Website.
You acknowledge that there are risks associated with using the internet and World Wide Web and to the fullest extent permitted by law, Makes Cents Services or its affiliates or subsidiaries are not liable for any direct or indirect damages or losses arising by way of your use or access to the Website.
You acknowledge that Makes Cents Services makes no warranty that the Website will meet your User requirements or that the information contained on the Website or your use of the Website will be uninterrupted, timely, secure, error free, accurate, virus-free or compliant with legislation or regulations.
You acknowledge and agree that Makes Cents Services have no liability of any kind either express or implied with respect to any claims arising in any way from your use of the Website, by virtue of the information provided or contained on the Website. The Website contains general statements regarding goods and/or services offered by other businesses however it is your responsibility to ensure the goods and/or services are the product you wish to purchase and must review the relevant product or service documents supplied by the relevant businesses.
You acknowledge that Makes Cents Services may from time to time improve or make changes to the Website to upgrade security on the Website, update information on the Website or for any other reason in Makes Cents Services sole discretion.
You acknowledge that you are responsible for ensuring the protection of your electronic equipment when accessing or browsing the Website and unreservedly hold Makes Cents Services harmless in respect to damage sustained to your electronic equipment or losses incurred by you as a result of the Website.
3. Invitation to Contact
a) By submitting an application to us you explicitly opt-in and authorise us, a relevant retailer or service provider and our other third party partners (who we choose to appoint and can change at any time) to contact you via phone, SMS, MMS, emails or any other electronic or direct methods in order to provide you with services, news, information, marketing material or advice (according to their relevant licensing abilities or restrictions) about our, or their, existing and new products and services for an infinite time period or until you unsubscribe.
b) If your phone number is on the Do Not Call Register, you confirm and consent that the communication from Makes Cents Services Pty Ltd or any of its appointed partners is legal and solicited.
c) You authorise and consent to us and our third-party partners contacting you for marketing promotions, which include telephone, SMS, MMS, emails or direct mails or any other format of marketing. This consent extends beyond the initial industry vertical you initially subscribed or opted-in to, to receive marketing material from other related offers from us or our partners. For example, if you originally consented to receive a quote for Life Insurance, you consent to us sending you offers for Home Loans.
Makes Cents Services is committed to preserving the privacy of its Users and will ensure that all personal information collected will be kept secure and in accordance with any applicable privacy laws. By using the Website, you agree to provide certain personal information necessary to utilise the Website to its full capability.
Whilst Makes Cents Services agrees to ensure that all personal information is kept secure, you agree that Makes Cents Services may provide your Personal Information to other companies for the purpose of providing you with a quote or information about a product of service. You acknowledge that Makes Cents Services will receive remuneration for providing your Personal Information to relevant third-party businesses.
When you supply your personal information to the Makes Cents Services website Makes Cents Services receive payment from the sale of your personal information or upon the successful outcome (ie: a “sale”) resulting from the passing of your personal information to third party goods and services providers. You expressly permit Makes Cents Services to sell your personal information in order for Makes Cents Services to supply you with a quote for goods and/or services.
5. Use of Website
You acknowledge that your use of the Website is undertaken at your own risk and you unreservedly indemnify Makes Cents Services from any responsibility in respect of information or content listed on the Website or any linked websites not controlled by Makes Cents Services.
You agree not to engage in any activity that is disruptive or is detrimental to the operation or function of the Website. You are prohibited from positing or transmitting unlawful, threatening, defamatory, obscene, or profane material on the Website. Makes Cents Services may prevent you from accessing the Website if in Makes Cents Services sole opinion you have violated or acted inconsistently with these Terms and Conditions.
Makes Cents Services will attempt to find a range of quotes for you, or a provider who can compare multiple providers and quotes for you. However, sometimes this is subject to Makes Cents Services ability to find or secure a commercial arrangement with a third party provider. In every case, you agree that the responsibility to ensure that the product or service being offered to you, is suitable for your needs, circumstances and budget. You indemnify Makes Cents Services from the ramifications of your engagement with the supplier of the product or service being offered to you as a result of Makes Cents Services passing your details onto that provider.
Nothing on the website constitutes or should be mistaken as an offer to sell or supply any goods or services to you.
Further, Makes Cents Services make no warranty the quote provided to you is the best, the cheapest or that the goods or services are fit for purpose or meet consumer warranties in Australia.
6. Links and Advertisements
You acknowledge that any links or advertisements containing links to external websites that are provided or located on the Website are for convenience only. Makes Cents Services does not endorse or make any warranty with respect to any external websites or to the accuracy or reliability of the links or advertisements contained on the Website.
You acknowledge that items, resources or learning material which are advertised or displayed on the Website may not be available to purchase or download at the time you access the Website.
Makes Cents Services, from time to time, may use technology to improve security on the Website and you agree to cooperate with Makes Cents Services and you are responsible to check and read the amended Terms and Conditions.
8. Cookies and Viruses
Makes Cents Services uses its best endeavours to ensure the use of the best technology to protect its Users, but accepts no responsibility in relation to any damage to any electronic equipment used by you, including mobile devices, as a result of your use of the Website. You acknowledge that you are responsible for ensuring the protection of your electronic equipment and unreservedly indemnify Makes Cents Services from any responsibility in respect of damage to any electronic equipment as a result of your use of the Website.
We use a variety of different types of Cookies on our Sites. Different Cookies have different specific purposes but in general they are all used so that we can improve your experience in using our Sites and interacting with us. Some of the purposes of different Cookies we use are described below.
(A) Some Cookies are essential to the Site in order to facilitate our log-in process and enable you to move around it and to use its features. Without these Cookies, we may not be able to provide certain services or features, and the Site will not perform as smoothly for you as we would like.
(D) We and our service providers and advertisers may use analytics Cookies, which are sometimes called performance cookies, to collect information about your use of the Site and enable us to improve the way it works. Analytics Cookies collect information about how you use the Site, for instance, which pages you go to most. The information allows us to see the overall patterns of usage on the Site, help us record any difficulties you have with the Site and show us whether our advertising is effective or not.
(E) We and our service providers and advertisers may use advertising Cookies to deliver ads that we believe are more relevant to you and your interests. For example, we may use targeting or advertising Cookies to limit the number of times you see the same ad on our Site, to help measure the effectiveness of our advertising campaigns as well as to customize the advertising and content you receive on our Site.
Social plug-in tracking Cookies can be used to track both members and non-members of social networks for additional purposes such as behavioural advertising, analytics, and market research.
We aggregate information received from the various Cookies placed on your browser by our connected network of sites. We may also link our anonymous Cookie ID’s with the anonymous Cookie ID’s used by third parties, including some of our service providers. This improves our ability to provide you with more relevant editorial and advertising content based on your activity across our connected network. We may also associate your browser and/or device with other browsers or devices you use.
All information derived from these Cookies may be combined with other information acquired from third parties, and we may share this information with other organizations, such as advertisers, provided it is anonymised.
If any part of these Terms & Conditions is held to be illegal or unenforceable, you authorise Makes Cents Services to amend or sever that part of the Terms & Conditions to make that part legal and enforceable or to ensure that the remaining parts of the Terms & Conditions remain in full force and effect.
You acknowledge that Makes Cents Services may vary these Terms & Conditions and you agree to be bound by that variation from that time when that variation is advised. You understand that it is your responsibility to regularly check these Terms and Conditions so that you are aware of any variations which apply. Your continued use of the Website constitutes your agreement to these Terms and Conditions and any variations to these Terms and Conditions.
10. Applicable Law
You agree that the content of this Website is intended for Australian residents only and may not be available in your Country. The laws of the State of Queensland will apply with respect to these Terms and Conditions and your use of the Website. You submit to the exclusive jurisdiction of the applicable Courts located in the State of Queensland, Australia with respect to the Website and these Terms and Conditions.