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Website Terms & Conditions

The website (“this website”) is owned by Greater Bank, part of Newcastle Greater Mutual Group Ltd ACN 087 651 992  AFSL/Australian credit licence 238273 (“Greater Bank”, “we” or “us”).  Each reference to “this website” includes all materials made available to you on this website. Unless otherwise specified, references in these terms to Greater Bank include all members of NGM Group.

Your access to and use of this website is subject to these terms and conditions, our Privacy and Credit Reporting Policy and any other relevant service-specific terms (“Terms”), and you agree to the applicable Terms by accessing or using this website. We encourage you to review the Terms wherever they are accessible by you on this website.

Greater Bank may vary or modify the Terms from time to time, in its absolute discretion.  When accessing the website please check for the most up to date Terms. 

We may suspend, terminate or block your access to all or any part of this website at any time and without prior notice to you.

To the extent that general advice is provided on this website, it is provided by Greater Bank unless the relevant context indicates otherwise.

You must comply with any instructions from Greater Bank about how to use this website and must not do anything that interferes with or adversely affects the normal operation of this website (including the ability of other users to access or use this website).

Our products and services are only available in Australia.  Unless otherwise clearly provided, you must not access or use our products or services other than in Australia.

Products offered or made available by Greater Bank via this website are identified and further described in the relevant disclosure documents (which include terms and conditions or Product Disclosure Statements, as applicable).  You should consider the disclosure documents (including terms and conditions or Product Disclosure Statement, where appropriate) in deciding whether to acquire, or to continue to hold, a product.

If we are required, by law or otherwise, to provide you with a document, you agree that we may provide that document electronically through the links on this website. 

This website includes a number of calculators or other fields or services which may require you to enter your personal details.  If you save the data you enter on this website, this information will be stored and dealt with in accordance with our Privacy and Credit Reporting Policy.

Greater Bank has not verified the information contained on this website, and some or all of the information may not be appropriate for your purposes.  Greater Bank does not make any representations or warranties as to the accuracy or completeness of the information on this website, and all information should be considered general information only. 

None of Greater Bank, any other part of NGM Group, nor any of their directors, employees, agents, contractors or other personnel gives any warranty as to the security, reliability or accuracy of this website, and does not accept any responsibility or liability arising in any other way (whether in contract, tort (including negligence) or otherwise) for errors, omissions, reliability, accuracy or security of this website.  This includes but is not limited to loss or damage which may arise as a result of inaccuracies, errors, omissions or delays in relation to this website, the loss, modification, damage or destruction of hardware or software caused by computer viruses or program bugs or similar causes; unauthorised access to any of your accounts or any breach of security arising in relation to this website; the failure of this website to perform in whole or in part any function which we have specified it will perform; this website being unavailable at any particular time or inaccessible from any particular time or inaccessible from any particular location; and delays or errors in the execution of any transaction or instruction.  We expressly exclude any liability (whether in contract, tort (including negligence), or otherwise) for any indirect or consequential loss, damage or expense incurred by you or any other user in connection with this website.  To the extent permitted by law, our liability (if any) is restricted to resupplying the services or the cost of resupplying the services.  The disclaimers and limitations of liability in this clause apply to the maximum extent permitted by law. 

This website contains links to third party websites, which are provided for convenience only and are accessed at your own risk.   The content on such other websites may not have been produced, checked for accuracy, or otherwise reviewed by Greater Bank, and we disclaim all responsibility or liability of any kind for loss due to any defects or omissions that may exist in the services, information or other content provided on such website, including if that information or content infringes the rights of other third parties.  Greater Bank does not make any guarantees or representations as to, and shall have no liability for, any content delivered by any third party.  Products or services offered or provided by third parties may be subject to disclosure documentation or Product Disclosure Statements provided by that third party.

Greater Bank has not taken into account your individual objectives, financial situation or needs for the purpose of information provided on this website.  Before acting on the basis of the information on this website, you should consider whether the information is appropriate to you, and should obtain and consider the disclosure documentation referred to above before making any decision about a product or service, including whether to acquire or to continue to hold it.

The information on this website is based on the interpretation of laws at the time it is created.  The application of laws, including laws in respect of tax, financial products and your consumer rights, depends on each individual’s circumstances.  You should consider seeking professional advice on the legal and taxation implications of acquiring any product or service and should not rely on the information provided on this website, which should be used as a guide only.

Greater Bank is responsible for the products and services provided via this website unless expressly stated otherwise.  

These terms and conditions are governed by the laws in force in New South Wales and will be subject to the exclusive jurisdiction of the courts of that place.

A cookie is a small text file which is placed on your internet browser.  As you browse, cookies gather information about your use of this website.  We may access this cookie each time you visit this website. 

Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. 

The cookies are used for (in accordance with our Privacy and Credit Reporting Policy) purposes including:

  1. to determine if you have previously visited this website and remembering your settings/preferences;
  2. tracking and reporting on website usage;
  3. identifying other pages on third parties’ websites your browser has accessed;
  4. personalising your experience, including your access to services that we provide on this website, for example, providing customised content, support and advertising that may be relevant to your interests; and
  5. providing enhanced security and fraud detection.


Greater Bank uses third-party advertisers to deliver online advertising where Greater Bank advertisements are placed on third party websites.

When you view a Greater Bank advertisement on a third party website, cookies are used to collect information such as:

  1. your browser type;
  2. the date and time of your visit; and
  3. the performance of marketing efforts.


Greater Bank uses this information to measure advertising effectiveness and relative consumer interest in the various areas of this website.  No personal information is collected in this process.

We may also use cookies to tell you about things that may be relevant to your interests.  You are able to opt out of the ‘interest based cookies’ at any time. 

Additionally, Greater Bank uses Google Analytics to collect information on how you use this website, using cookies to collect information similar to that collected by third party advertisers.  You can opt out of your data being used by Google Analytics here:

All of the intellectual property rights in and to this website are owned by Greater Bank and its licensors.  Greater Bank may update and change the materials available on this website, including by removing materials, at any time in its absolute discretion. You may use the information on this website for your own personal reference only.  You may download or print sections of this website if needed for your own personal use, but otherwise, you may not reproduce any part of our website without our express prior consent.  To the extent that our website contains functionality that allows you to access or download specific materials through our website, your use of that functionality and the downloaded materials may be subject to separate terms and conditions which you will be asked to read and accept at the relevant time.

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