Reverse Mortgage Services Website - Disclaimer

The terms of this Disclaimer ("Disclaimer") apply to this web site of www.rbs.com.au/reversemortgage, www.rbs.com.au/accommodationbond, www.rbs.com.au/ipmof Reverse Mortgage Services Pty. Ltd. (ABN 87 114 594 080) and its related entities ("Reverse Mortgage Services") with its registered office at Level 22, RBS Tower, 88 Phillip Street, Sydney, NSW 2000, Australia.
By accessing this web site and or using the information provided on or via this web site you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and this Disclaimer, the conditions specific to such products and services shall prevail.

Use of this Web Site
The information provided is general advice only and does not purport to be all inclusive or constitute any form of personal advice. We recommend that you consult your Financial Adviser to determine the suitability of any products to your personal investment objectives, financial situation and particular needs.
Although Reverse Mortgage Services attempts to provide accurate, complete and up-to-date information which has been obtained from sources that are considered reliable, Reverse Mortgage Services makes no warranties or representations, express or implied, as to whether information provided on or via this web site is accurate, complete or up-to-date.
Reverse Mortgage Services controls and maintains this web site from Australia and makes no representation that the information provided on or via this web site is appropriate or available for use in other locations. If you use this web site from other locations, you are responsible for compliance with the applicable local laws.
Reverse Mortgage Services does not represent or warrant that this web site functions without error or interruption.
Use of this web site that may hinder the use of other Internet users, that can endanger/jeopardise the functioning of this web site and/or affect the information provided on or via this web site or the underlying software, is not permitted.

Third Party Information, Products and Services
Where Reverse Mortgage Services provides hypertext links to third party web sites, such links are not an endorsement by Reverse Mortgage Services of any products or services provided on or via such web sites. The use of such links is entirely at your own risk and Reverse Mortgage Services accepts no responsibility or liability for the content, use or availability of such web sites. Reverse Mortgage Services has not verified the truth, accuracy, readability, reliability, and completeness of any content of such web sites.

Intellectual Property
Reverse Mortgage Services, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this web site in any form without Reverse Mortgage Services’ prior written consent or the appropriate consent of the owner. However, you may print and/or download information contained on this web site for your own personal use.
Links to Reverse Mortgage Services web sites are not permitted without Reverse Mortgage Services’ prior written consent.

Communication On Line
Messages that you send to Reverse Mortgage Services by e-mail may not be secure. Reverse Mortgage Services recommends that you do not send any confidential information to Reverse Mortgage Services by e-mail. If you choose to send any messages to Reverse Mortgage Services via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

Exclusion of Liability
Neither Reverse Mortgage Services nor any of its employees, agents, subcontractors or representatives shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if Reverse Mortgage Services is advised of the possibility thereof) arising in any way from, including but not limited to,
(i) any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this web site,
(ii) the information provided on or via this web site,
(iii) the interception, modification or misuse of information transmitted to Reverse Mortgage Services or transmitted to you,
(iv) the functioning or non-availability of this web site,
(v) the misuse of this web site,
(vi) the loss of data,
(vii) downloading or use of any software made available by this web site, or
(viii) claims of third parties in connection with the use of this web site.
The exclusion of liability is also made for the benefit of Reverse Mortgage Services’ directors, employees, agents, subcontractors or representatives.

Amendments
Reverse Mortgage Services reserves the right to change the information provided on or via this web site, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this web site, including the terms of this Disclaimer, periodically for changes.