Your access to and reliance on our website is subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers any other terms and conditions or other statements contained on our website. In these Terms and Conditions of Use, the expressions we, us and our are a reference to Total Lifestyle Credit Pty Ltd (Australian Credit License Registration Number 387856) and any related entity.

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Terms and Conditions of Use

By accessing, viewing or otherwise using our website, you acknowledge and agree to be subject to these Terms and Conditions of Use, the Privacy Policy and any other notices, disclaimers and other terms and conditions or other statements contained on our websites as amended or modified from time to time. If you do not accept our Terms and Conditions of Use and the Privacy Policy you are not authorised to use our website. These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary or modify these Terms and Conditions of Use by publishing the changed version on our website. By accessing our website you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.
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Links to other websites

Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of the third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on the third party websites. We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours. Our websites are provided for use by Australian residents only, and the products described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our website outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside Australia will not be accepted from anyone who is not an existing customer. The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia. The site may not comply with the laws of any other country.
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Third party software

Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them. To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.
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Warranties

While we have tried hard to make sure there are no mistakes in any of the information on our website, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it. Further, all information is subject to change without notice or that the information is suitable for your intended use. We recommend that you seek independent advice before acting upon any of the information on our websites. We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted. You acknowledge and agree that your use of our website is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
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Limitation of liability

Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our website or any modification, suspension or discontinuance of our website – whether in contract, tort including negligence, statute or otherwise. Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to: 1.The supply of the goods or services 2.The repair of the goods or services 3. The payment of the cost of having the goods or services supplied again or repaired.
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Copyright and Trademarks

The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission. You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trade marks in any way without our prior written consent.
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Linking to our website

You must not link to our website without our prior written permission.

By accessing, viewing or otherwise using our website, you acknowledge and agree to be subject to these Terms and Conditions of Use, the Privacy Policy and any other notices, disclaimers and other terms and conditions or other statements contained on our websites as amended or modified from time to time. If you do not accept our Terms and Conditions of Use and the Privacy Policy you are not authorised to use our website These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary or modify these Terms and Conditions of Use by publishing the changed version on our website. By accessing our website you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of the third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on the third party websites. We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours. ur websites are provided for use by Australian residents only, and the products described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our website outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside Australia will not be accepted from anyone who is not an existing customer. The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia. The site may not comply with the laws of any other country.
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them. To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.
While we have tried hard to make sure there are no mistakes in any of the information on our website, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it. Further, all information is subject to change without notice or that the information is suitable for your intended use. We recommend that you seek independent advice before acting upon any of the informtion on our websites. We do not guaranteethat our websites are free from viruses, or that access to our sites will be uninterrupted. You acknowledge and agree thatyour use of our website is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our website or any modification, suspension or discontinuance of our website – whether in contract, tort including negligence, statute or otherwise. Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to: 1.The supply of the goods or services 2.The repair of the goods or services 3. The payment of the cost of having the goods or services supplied again or repaired.
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission. You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trade marks in any way without our prior written consent.
You must not link to our website without our prior written permission.

Social Media Competition – Terms & Conditions

“Jump For Joy – Instagram & Facebook Promotion”
  PARTICIPATION  
  1. This Competition is conducted by Total Lifestyle Credit Pty Ltd
  2. Entry into the Competition constitutes acceptance of these Terms & Conditions. All entry instructions and Prize information published by the Promoter form part of these Terms & Conditions.
  1. This is a competition that involves a game of chance. The Promoter’s decision in relation to all aspects of this Competition is final.
  2. Subject to Clause 5, the Competition is valid only to individuals who:
  • ‘Like’ or ‘Follow’ the Total Lifestyle Credit Pty Ltd accounts on Facebook https://www.facebook.com/totallifestylecredit or Instagram https://www.instagram.com/totallifestylecredit/  (“Promotional Page”);
  •  Tag a friend on a relevant post on Facebook or Instagram;
  •  Are residents of Australia; and
  •  Are 18 years of age and over (“Eligible Entrant”).
  1. The Competition commences at 3:00PM Australian Eastern Daylight Savings Time (“AEDST”) on 26/07/2018 and closes at 12:00PM AEDST on 07/08/2018 (“Competition Period”).
  2. Multiple entrants are available for Eligible Entrant/s. All entries must be submitted in accordance with these Terms and Conditions.
  3. If there is a dispute as to the identity of an Eligible Entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the Eligible Entrant
  4. The Promoter may communicate messages to Eligible Entrants via Facebook or Instagram, where applicable.
  5. The Promoter reserves the right, at any time, to verify the validity of entries and Eligible Entrants (including an Eligible Entrant’s identity, age, place of residence or relationship to the Promoter or an existing customer of the Promoter) and to disqualify any Eligible Entrant who submits an entry that is not in accordance with these Terms and Conditions or who tampers with the entry process. Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
PRIZE
  1. The Major Prize to be given away will be a $1000 Beauty Prize Pack.
  2. The Prize, or any unused portion of a Prize, is not transferable or exchangeable and cannot be taken as cash.
  3. If any Prize (or part of any Prize) is unavailable, the Promoter, in its sole discretion, reserves the right to substitute the Prize (or part of the Prize) with another prize to the equal value and/or specification.
WINNERS
  1. The Winner of the main prize will be drawn 4pm on 7th of August 2018 and notified on the same day in accordance with these terms and conditions.
  2. Winners will be selected based purely on chance and at the Promoter’s full discretion.
  3. Winners must be residing in Australia to receive any prize(s).
  4. It is a condition of accepting a Prize that each Winner must comply with all of the conditions of use of a Prize and any Prize supplier requirements.
  5. If any Winner cannot be contacted despite reasonable effort made by the Promoter within 7 days from the end date of the Competition Period, their Prize will be deemed unclaimed. The Promoter may award any unclaimed Prizes to an Eligible Entrant who submitted the next best valid entry (as determined by the Promoter).
  6. The Promoter’s decision is final and no correspondence will be entered into.
  7. The Winners will be contacted by the Promoter to arrange delivery of their prize.
GENERAL
  1. If this Competition is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law (a) to disqualify any entrant; or (b) to modify, suspend, terminate or cancel the Competition, as appropriate
  2. All entries submitted become the property of the Promoter. Entries will not be returned to any entrant. Each entrant warrants to the Promoter that each entry submitted is an original literary work of the entrant that does not infringe the rights of any third party. Entrants agree to indemnify the Promoter against all costs and claims by third parties arising from a breach of this warranty. Entrants consent to any use of their entry which may otherwise infringe their moral rights pursuant to the Copyright Act 1968 (Cth).
  3. Entrants consent to the Promoter using their name and any component of their Entry in the event they are a Winner in any media for an unlimited period without remuneration for the purpose of promoting this Competition (including any outcome).
  4. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Competition.
  5. The Promoter assumes no responsibility for: (i) any technical or electrical issues that may arise in connection with the Competition (whether or not under the Promoter’s control); (ii) any incorrect or incomplete information which may be communicated in the course of the administering this Competition; (iii) any entry or Prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (iv) any variation in Prize value to that stated in these Terms and Conditions; (v) if the Competition is cancelled, terminated, modified or suspended; and/or (vi) any tax liability incurred by a winner or Eligible Entrant. Individuals should obtain independent tax and financial advice; or (vii) taking of/participating in the Prize.
  6. The Promoter collects personal information in order to conduct the Competition and may, for this purpose, disclose such information to third parties, including but not limited to agents, contractors, service providers, Prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this information. The Promoter may, for an indefinite period, unless otherwise advised, use the information for Competition, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning the Eligible Entrant. Eligible Entrants should direct any request to access, opt-out, update or correct information to the Promoter. All entries become the property of the Promoter.
  7. These Terms and Conditions are governed by the laws of New South Wales and each party submits to the jurisdiction of the courts of that State.
  8. Subject to state permit authority restrictions, the Promoter may amend these Terms and Conditions in its absolute discretion.
  9. Authorised under permit number: NSW: LTPM/16/00509.
  10. The Competition is in no way sponsored, endorsed or administered by, or associated with, Facebook. It is the Entrant’s responsibility to comply with Facebook’s terms of use policies. Eligible Entrants understand that they are providing their information to the Promoter and not to Facebook. Any questions, comments or complaints about this Competition must be directed to the Promoter and not to Facebook.
  11. Facebook will not be liable for any loss or damage or personal injury which is suffered or sustained by an Eligible Entrant, as a result of participating in this Competition (including taking/use of a Prize), except for any liability which cannot be excluded by law.