1. The information provided on this web site has been compiled for your convenience. We make no warranties about the accuracy or completeness of any information contained on this web site.
   
   
2. Bill Wakeling & Australian Finance Group, including its directors, affiliates, officers, employees, agents, contractors, successors and assigns, will not accept any liability for any loss, damage or other injury resulting from its use.
   
   
3. Links to other web sites are provided for your convenience and Bill Wakeling & Australian Finance Group is not responsible for the information contained on those web sites. The provision of a link to another web site does not constitute an endorsement or approval of that web site, or any products or services offered on that web site, by Bill Wakeling & Australian Finance Group. Australian Finance Group will not accept any liability for the use of those links to connect to web sites that are not under our control.
   
   
4. Bill Wakeling & Australian Finance Group, its directors, affiliates, officers, employees, agents, contractors, successors and assigns do not accept any liability:
   

    

   • for any investment decisions made on the basis of this information. This web site does not constitute financial advice and should not be taken as such. Bill Wakeling & Australian Finance Group urges you to obtain professional advice before proceeding with any investment.

   • for any damages or losses whatsoever, arising out of, or in any way related to, the use of this site and any other site lined to this site.
     

5. The limitation on liability contained in paragraph 4 applies to direct, indirect, consequential, special, punitive or other damages that you or others may suffer, as well as damages for loss of profit, business interruption or the loss of data or information.
   
   
6. Nothing in this web site constitutes or is intended to constitute an offer of, or an invitation to purchase or subscribe for, securities.

   Bill Wakeling holds the copyright to this web site. Bill Wakeling grants you a limited licence to download this web site for personal use only. You are not permitted to reproduce or alter this web site, or any copy of it, for any other purpose without the prior express written consent of Bill Wakeling.
   

7. Bill Wakeling & Australian Finance Group regards your privacy as important and will take all reasonable steps to ensure that if you have subscribed to receive notification of web site updates; your e-mail address will remain confidential.
   
   
8. Bill Wakeling & Australian Finance Group reserves the right to make changes, modifications, additions, deletions and corrections to the web site, at any time and without notice.

Financial Disclaimer
Bill Wakeling & Australian Finance Group does not accept any liability for any investment decisions made on the basis of this information. This web site does not constitute financial advice and should not be taken as such. Bill Wakeling & Australian Finance Group urges you to obtain professional advice before proceeding with any investment.

External Link Disclaimer
Any links have been provided for your convenience. Web sites which you are transferred to are not controlled by Bill Wakeling & Australian Finance Group and Bill Wakeling & Australian Finance Group is not responsible, and does not accept any liability, for the information contained on those web sites. The provision of a link does not constitute an endorsement or approval of that web site or any products or services on that web site.

You accept these terms and conditions by accessing or using any part of this site after the first time you visit a page providing a link to them. You then confirm your acceptance of these terms and conditions (as varied from time to time) each time you access any part of this site.

These terms and conditions form a legally binding agreement between you and Bill Wakeling Insurance Consultancy ("Bill Wakeling Insurance Consultancy", "Bill Wakeling", "we" or "us") governing your use of this site. You are welcome to print a copy for your records.

If you do not accept these terms and conditions, you will need to exit this site immediately.

A reference to "these terms and conditions" also includes all other instructions, terms or conditions concerning the use of this site or any part of it.

A reference to "this site" means the web site at http://www.bwakeling.com

WEBSITE USE ::

Use of this site:

You may use and copy the information on this site for personal reference only. You agree that you will not use it for any purposes that are commercial, unlawful or may prejudice the reputation or interests of Bill Wakeling Insurance Consultancy. “Unlawful” use includes activities such as fraud, the posting of defamatory or offensive material, infringement of the rights of others and failure to comply with any legislation.

You must not hack into, change or otherwise interfere with the operation of this site or any information contained within it. This includes knowingly transmitting a virus or other damaging item to this site.

You must not provide a link to this site without our prior written permission.

This website is provided "as is", so you use it entirely at your own risk. We try to ensure that all information contained on this site is correct at the time of inclusion and that the site is free of viruses and other operational problems. However, we cannot give any guarantees in this regard.

You are responsible for your use of this site, and fully indemnify us in respect of any use that we have not expressly authorised.

COPYRIGHT & TRADE MARKS ::

The site contains copyright material, brand names and other trade marks that are protected by law. You should assume that all names and logos are trade marks of Bill Wakeling Insurance Consultancy or third parties, and that all content on this site is subject to copyright. Except as expressly authorised, the use of any material on this site (including reproduction, modification, distribution, republication, display or communication of any kind) is strictly prohibited.

PRIVACY POLICY ::

We want you to feel secure when visiting our site and are committed to maintaining your privacy when doing so.  We are also committed to complying with the Privacy Amendment (Private Sector) Act, 2000 which commenced in December 2001.

The information you provide to us is only used by The Face and we do not disclose information provided by you to third parties.  We may e-mail customers who make a query or download a product from this site or who have subscribed to our newsletter to inform them of various events such as sales and promotions.  We respect that not all customers wish to receive this information, and will always ensure that such e-mails give customers the ability to opt out of receiving future e-mails.

Our site may contain links to other sites.  We are not responsible for the privacy provisions or the content of any internet sites that are linked to our internet site. Should you wish to view the information we hold about you please contact privacy@bwakeling.com

DISCLAIMER ::

This website is operated by and on behalf of Bill Wakeling Insurance Consultancy and its related entities.

The information on this site is provided without warranty (express or implicit).

Bill Wakeling Insurance Consultancy is in no event liable for damages of any kind whatsoever resulting from the use of information provided. Business decisions should only be made after seeking appropriate advice from qualified advisors. The data on this site may include technical or computational errors.

We accept no responsibility for information provided by sites we provide links to - these links are provided for reference purposes only. Inclusion of a link to a third party site should not be construed as endorsement of this site by that party.

OTHER WEBSITES ::

This site contains links to third party sites. We are not responsible for the operation, security levels, content or any other aspect of any third party sites. Links are provided solely for your convenience and do not indicate our endorsement of any third party sites or the products or services provided, advertised or otherwise mentioned on those sites.

All websites of Bill Wakeling Insurance Consultancy businesses, and all products or services offered by those businesses, have their own terms and conditions. Please ensure that you read the applicable terms and conditions when you enter and use these sites.

OUR LIABILITY ::

Except to the extent required by law, you agree that Bill Wakeling Insurance Consultancy, their directors, officers, employees, agents, contractors, service providers, successors or assigns will not be liable for any losses, damages, liabilities, claims or expenses whatsoever arising out of, or in any way related to, the use of this site or any site linked to it.

This limitation applies to all direct, indirect, consequential, special, punitive or other losses, damages, liabilities, claims or expenses you or others may suffer, including for loss of profits, business interruption or loss or corruption of data or information.

APPLICABLE LAWS ::

This site is designed for use by Australian residents. Your use of this site is governed by, construed and enforced in accordance with the laws of Victoria, Australia. Disputes arising from your use of this site are exclusively subject to the jurisdiction of the courts of Victoria, Australia (including the Federal Court of Australia, Victoria Registry).

This site may be accessed throughout Australia and overseas.

Without limiting any of the above terms and conditions, we make no representations that the content of this site complies with the laws, including intellectual property laws, of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in each place where you access the site or where anything you publish or upload can be accessed.

FAIR TRADING AND HOW WE ARE TO DO BUSINESS ::

Bill Wakeling Insurance Consultancy will comply with all the relevant laws, regulations and company policies regarding Fair Trading. To this end our stated policy is:

We will adhere to the Trade Practices Act, state legislation and related company policies, including the Bill Wakeling Insurance Consultancy Fair Trading Policy. All policies and procedures will reflect this commitment. We will act and make decisions in accordance with this commitment to Fair Trading. All management will be responsible for ensuring this commitment is implemented and monitored.

In conjunction with the Bill Wakeling Insurance Consultancy Fair Trading Policy, Bill Wakeling Insurance Consultancy will:

Conduct business with integrity and in accordance with community and business ethical standards behaviour.

This applies in all our dealings with customers, suppliers and competitors. Actively encourage and respond to feedback from our customers, suppliers and team members, and recognise opportunities to ensure continuous improvement.

Communicate openly and honestly about our products and services with our customers, suppliers and team members.

Communicate in plain language to ensure information is clear, accurate and easily understood. Provide an efficient, fair and accessible complaint handling process in accordance with the Australian Standard

VARIATIONS TO THE TERMS & CONDITIONS ::

These are the current terms and conditions. We may at any time vary these terms and conditions by posting the varied terms and conditions on this site. You agree that this provides you with sufficient notice of the variation. If any variations are made that will adversely affect you, we will try to give you as much prior notice as possible. However, all variations are effective from the time of posting unless stated otherwise.

ACCESSIBILITY ::

Our aim is to make bwakeling.com as accessible to as many people as possible. We have an ongoing commitment to progressively improve site content accessibility.

If you have any accessibility concerns about majik-designs.com, please contact us by email at info@bwakeling.com

FURTHER INFORMATION ::

For further information on using the content of this site, please contact us at: info@bwakeling.com