PLEASE READ THESE TERMS AND
CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

Welcome to our website. If you
continue to browse and use this website you are agreeing to comply with and be bound
by the following terms and conditions of use, which together with our privacy
policy and website disclaimer, govern borrowerfirst.com.au’s relationship with you in
relation to your use of this website.

By using this website, you signify
your acceptance of these terms and conditions of use. For the purposes of these
terms and conditions, “Us”, “Our” and “We” refers to borrowerfirst.com.au and “You” and
“Your” refers to you, the client, visitor, website user or person using our
website.

AMENDMENT OF TERMS

We reserve the right to change,
modify, add or remove portions of these terms at any time. Please check these
terms regularly prior to using our website to ensure you are aware of any
changes. We will endeavour to highlight any significant or substantive changes
to you where possible. If you choose to use our website then we will regard
that use as conclusive evidence of your agreement and acceptance that these
terms govern your and borrowerfirst.com.au’s rights and obligations to
each other.

LIMITATION OF LIABILITY

It is an essential precondition to
you using our website that you agree and accept that borrowerfirst.com.au is not
legally responsible for any loss or damage you might suffer related to your use
of the website, whether from errors or from omissions in our documents or
information, any goods or services we may offer or from any other use of the
website. This includes your use or reliance on any third party content, links,
comments or advertisements. Your use of, or reliance on, any information or
materials on this website is entirely at your own risk, for which we shall not
be liable.

It shall be your own responsibility
to ensure that any products, services or information available through this
website meet your specific, personal requirements. You acknowledge that such
information and materials may contain inaccuracies or errors and we expressly
exclude liability for any such inaccuracies or errors to the fullest extent
permitted by law.

COMPETITION AND CONSUMER ACT

Our goods and services come with
guarantees that cannot be excluded, modified or restricted under the Australian
Consumer Law and are in addition to any manufacturer or supplier warranty.

For the purposes of Schedule 2 of the
Australian Consumer Law, in particular Sections 51 to 53, 64 and 64A of Part
3-2, Division 1, Subdivision A of the Competition and Consumer Act 2010
(Cth), borrowerfirst.com.au’s
liability for any breach of a term of this agreement is limited to: the
supplying of the goods or services to you again; the replacement of the goods;
or the payment of the cost of having the goods or services supplied to you
again.

You must be over 18 years of age to
use this website and to purchase any goods or services.

DELIVERY OF GOODS

Physical goods may be delivered by
Australia Post and/or other reputable courier companies. Deliveries are processed
promptly upon receipt of full payment. Delivery may take between 2 and 14 days,
depending on the delivery option. Damaged or lost orders should be resolved
with Australia Post or the courier company directly and we are not responsible
for goods that are damaged in transit or not received. Replacement of damaged
or lost items is made at the discretion of borrowerfirst.com.au.

Digital goods are delivered
immediately. Please be aware there are inherent risks associated with
downloading any software and digital goods. Should you have any technical
problems downloading any of our goods, please contact us so we may try to
assist you.

RETURNS AND REFUNDS

borrowerfirst.com.au handles
returns and processes refunds in accordance with the Australian Consumer
Protection legislation.

Should you wish to return your order,
please notify us within 7 days of purchase with a valid reason for
return. If we are unable to resolve your complaint or further assist you, we
will process a refund upon timely receipt of the goods purchased. Unopened
goods will be refunded in full. Refunds will be processed promptly and payment
made by the same method that you made payment. All refunds are made at the
discretion of borrowerfirst.com.au.

LINKS TO OTHER WEBSITES

borrowerfirst.com.au may from time
to time provide on its website, links to other websites, advertisements and
information on those websites for your convenience. This does not necessarily
imply sponsorship, endorsement, or approval or arrangement between borrowerfirst.com.au and the
owners of those websites. borrowerfirst.com.au takes no
responsibility for any of the content found on the linked websites.

borrowerfirst.com.au’s website may
contain information or advertisements provided by third parties for which borrowerfirst.com.au accepts no
responsibility whatsoever for any information or advice provided to you
directly by third parties. We are making a ‘recommendation’ only and are not
providing any advice nor do we take any responsibility for any advice received
in this regard.

DISCLAIMER

To the fullest extent permitted by
law, borrowerfirst.com.au absolutely
disclaims all warranties, expressed or implied, including, but not limited to,
implied warranties of merchantability and fitness for any particular
purpose. borrowerfirst.com.au gives no
warranty that the documents, goods or services will be free of errors, or that
defects will be corrected, or that our website or its server is free of viruses
or any other harmful components.

Whilst we, at all times endeavour to
have the most accurate, reliable and up-to-date information on our website, we
do not warrant or make any representations regarding the use or the result of
the use of any document, product, service, link or information in its website
or as to their correctness, suitability, accuracy, reliability, or otherwise.

It is your sole responsibility and
not the responsibility of borrowerfirst.com.au to bear any
and all costs of servicing, repairs, or correction. The applicable law in your
state or territory may not permit these exclusions, particularly the exclusions
of some implied warranties. Some of the above may not apply to you but you must
ensure you are aware of any risk you may be taking by using this website or any
products or services that may be offered through it. It is your responsibility
to do so.