Site Terms and Conditions

1. General Terms and Conditions for all users

1.1 The greater.com.au website (“this website”) is owned by Greater Bank Limited (“Greater Bank”).  It is operated by Greater Bank and other companies in the Greater Bank Group.  To the extent that general advice is provided on this website, it is provided by Greater Bank Limited ABN 88 087 651 956.

1.2 Your access to this website is subject to these terms and conditions, Greater Bank Limited’s Australian Privacy Principle and Credit Information Policy plus conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms for those other services (referred to collectively as “Terms of Use”).  By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.

1.3 Greater Bank may in its sole discretion, vary or modify these Terms of Use without notice.  Any subsequent access to, or use by you of the website will constitute an acceptance of those modifications.

1.4 You agree that where Greater Bank or any other company in the Greater Bank Group is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website.  We suggest that you print a copy of the document, or file it electronically, for future reference.

1.5 By accessing this website, you acknowledge receipt of the relevant Financial Services Guide.

Australian investors only

1.6 Unless otherwise stated expressly, products and services referred to on this website are only available in Australia.

Disclosure documents

1.7 Greater Bank currently offers or makes available products named on this website.  The offers are identified in the disclosure documents (which include terms and conditions or Product Disclosure Statements, where applicable).  Investors should consider the disclosure document (including terms and conditions or Product Disclosure Statement, where appropriate) in deciding whether to acquire, or to continue to hold, the product.

Important disclaimers

1.8 All information contained on this website is given in good faith and has been derived from sources believed to be accurate.  However, the information is selective and neither Greater Bank nor any other company in the Greater Bank Group have verified the information, which may not be complete or accurate for your purposes.  Those companies make no representation or warranty of any kind as to the accuracy or completeness of the information.  It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.

1.9 Neither Greater Bank, any other company in the Greater Bank Group nor any of their directors, employees and associates guarantees the security of this website, gives any warranty of reliability or accuracy nor accepts any responsibility arising in any other way including by reason of negligence for, errors in, or omissions from, the information on this website and does not accept any liability for any loss or damage, however caused, as a result of any person relying on this website or being unable to access 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 your account 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.  If you do not use this website only for private or domestic use, our liability (if any) is restricted, in accordance with section 64A of the Australian Consumer Law, to:  in the case of services, resupplying the services or the cost of resupplying the services.  This disclaimer is subject to any applicable contrary provisions of the Australian Securities and Investments Commission Act and the Australian Consumer Law.

1.10 Should you leave this site via a link contained in this website, and view content that is not provided by a company in the Greater Bank Group, including content in relation to the issue or sale of a financial product the following points apply.

a) You do so at your own risk.  The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by a company in the Greater Bank Group.  No company in the Greater Bank Group is responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise.  No company in the Greater Bank Group makes any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party.

b) Links to other websites are provided for convenience only and do not represent any endorsement by Greater Bank of the products or services offered by the website owner.

c) You should endeavour to obtain the disclosure document including terms and conditions or Product Disclosure Statement for the relevant product from the issuer or seller of the product as identified on the website to which you link.

d) You should consider the Product Disclosure Statement for the relevant product in deciding whether to acquire, or to continue to hold, the product.

e) Our website may contain links to third party websites.  The terms of this Policy do not apply to external websites.  If you wish to find out how any third parties handle your personal information, you will need to obtain a copy of their privacy policy.

1.11 In preparing the information contained on this website, Greater Bank has not taken into account your objectives, financial situation or needs.  Before investing on the basis of the information contained on this website, you should consider (with or without the assistance of an adviser) whether the information on this website is appropriate to you in light of your particular objectives, financial situation and needs.  You should obtain the disclosure document (including the terms and conditions or Product Disclosure Statement where applicable) relating to a product referred to on this website before making any decision about whether to acquire the product.

1.12 The information on this site is based on current laws and their interpretation, including taxation laws.  The levels and basis of taxation may change.  The application of many laws, including taxation laws, depends upon an investor’s individual circumstances.  You should consider seeking professional advice on the legal and taxation implications of investing and should not rely on the information provided, which should be used as a guide only.

1.13 Our website includes a number of calculators, which may require you to enter your personal details.  If you save the data you enter on the calculator, this information will be stored.

1.14 In contributing information contained on this site and in providing their respective products and services through this site, and unless expressly stated otherwise, each company which is a member of the Greater Bank Group and is identified on this site is acting as principal and does not act as a representative of any other company in the Greater Bank Group.

2. Cookies

2.1 A cookie is a small text file which is placed on your Internet browser.  As you browse, cookies gather information about your use of our website.  We may access this cookie each time you visit our website to provide you with a better, more customised service and provide a more effective website.  We also use cookies for secure services (that is, an area where you are logged in to access) on the Greater Bank website.  These cookies are used for a variety of purposes, including for security, marketing and personalisation reasons.

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.  If your browser is configured to reject all cookies you may be unable to use secure services on the Greater Bank website that require cookies in order to participate.

Accessing your cookie data does not allow use to collect personally identifiable information about you.  The cookies are used for security, marketing and personalisation purposes including:

a) To determine if you have previously visited the Greater Bank website and remembering your settings/preferences;

b) Tracking and reporting on website usage;

c) Identifiying other pages on third parties’ websites your browser has accessed;

d) Personalising your experience, including your access to services that we provide on our website, for example, providing customised content, support and advertising that may be relevant to your interests;

e) Providing enhanced security and fraud detection.

3. Advertising

3.1 Greater Bank uses advertising companies, for example Google and Facebook 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, the advertising company uses cookies to collect information such as:

a) Your browser type

b) The date and time of your visit; and

c) The performance of their marketing efforts.

When you access the Greater Bank website after viewing a Greater Bank advertisement on a third party website, the advertising company collects information on how you use the website, for example, which pages you view, and whether you complete a desired action, for example, an online enquiry.

We may also use cookies to tell you about things that 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 the Greater Bank website, using cookies to collect information similar to that collected by the advertising company.  You can opt out of your data being used by Google Analytics here: https://tools.google.com/dlpage/gaoptout/

The advertising companies and Greater Bank use this information to perform statistical analysis of aggregate user behaviour, but this analysis is not based on personal information.  Greater Bank uses this information to measure advertising effectiveness and relative consumer interest in the various areas of the Greater Bank website.  No personal information is collected in this process.

4. Copyright

4.1 Copyright in the information contained on this website is owned by Greater Bank Limited (ABN 88 087 651 956).  You may use this information for your own personal reference only.  You may reproduce this information in hard copy solely for your personal use.  The information may not be otherwise reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.