Terms of Service.

Our Commitment to Enhancing Your Experience and Ensuring Transparency and Trust in Our Services

Our Terms of Use Policy

Welcome to the GM Financial Solutions website ("Website"). By accessing and using this Website, you agree to comply with and be bound by the following terms and conditions ("Terms of Use").

Please read these Terms of Use carefully. If you disagree with any part of these terms, please do not use this Website. This website is operated on behalf of G M FINANCIAL SOLUTIONS AUSTRALIA PTY LTD ABN 58 616 419 320 and its related bodies corporate (we, us and our).

Use of this Website

If you are a G M Financial Solutions Pty. Ltd. client, or just visiting our website, this policy applies to you.

Our responsibilities

G M Financial Solutions Proprietary Limited (referred to as "we", "our", or "us") maintains this website and all associated microsites (collectively "Website") for your information and convenience. This document outlines the terms and conditions governing your use of this Website ("Terms"). Please review these Terms carefully, particularly the sections on Third-party Content and Limitation of Liability. By accessing this Website (other than to read these Terms for the first time), you acknowledge and agree to these Terms. If you do not agree with these Terms, you must not use this Website.

This Website is intended for use by Australian residents only and may not comply with the laws of other countries. If you do not reside in Australia, please refrain from using this Website.

To the extent permitted by law, we reserve the right to modify these Terms at any time. Please review these Terms periodically for any changes. In the event of any breach of these Terms, we reserve the right to pursue all remedies available under the law or in equity.

Your responsibilities
  • Read this Terms of Use Policy
  • Compliance with Laws and Regulations: You agree to comply with all applicable laws, regulations, and guidelines when using our Website. This includes adhering to local, national, and international laws related to data privacy, intellectual property, and online conduct.
  • Accurate Information: You are responsible for providing accurate, complete, and current information when interacting with our Website. This includes any registration data, contact information, and other required details.
  • Account Security: If you create an account on our Website, you are responsible for maintaining the confidentiality of your account details, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
  • Prohibited Activities: You agree not to engage in any activities that could harm our Website, our users, or our services.

    This includes, but is not limited to:
    ‍
    - Uploading or distributing viruses, malware, or any other harmful code.
    - Attempting to gain unauthorized access to our systems or those of other users.
    - Using our Website for any fraudulent, illegal, or unethical activities.
    - Engaging in spamming, phishing, or any other unsolicited messaging.
  • Respect for Intellectual Property: You acknowledge that all content on our Website, including text, graphics, logos, and software, is protected by intellectual property laws. You agree not to copy, distribute, modify, or create derivative works from any content on our Website without our prior written consent.
  • Use of Services: You agree to use our services only for their intended purposes and in accordance with these Terms. You will not misuse our services or interfere with their normal operation.
  • User Content: If you submit any content to our Website, such as comments, reviews, or other materials, you are responsible for ensuring that such content is lawful, accurate, and does not infringe on the rights of others. You grant us a non-exclusive perpetual license to use, modify, and display such content.
  • Communication: You agree to receive communications from us regarding your use of the Website and our services. This includes notifications, updates, and other relevant information.

Collection and Use of Information

We may collect personal information from you directly or via your use of our services. We will only collect personal information that is reasonably necessary for, or directly related to, our functions or activities.

Types of information we may be required to collect:

Personal and contact details: name, address, email, phone number.

Contact details

Information pertaining to your income, assets, liabilities, credit history, etc.

Financial information

Identification documents: driver’s license, passport, etc.

Data that identifies you

We use web beacons (also known as pixel tags) to monitor user behaviour on our website and measure the effectiveness of our marketing campaigns.

Web beacons collect information such as:

  • Pages visited
  • Time spent on pages
  • Interaction with our content
Data on how you use our website
Read more

We only collect any sensitive data/information about you such as your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health details, if relevant to our services and with your consent.

What about really sensitive data?

Our services are designed for and intended to be used only by individuals who are 18 years of age or older. If you have concerns about the unintended collection of information from minors, please contact us immediately. We will promptly investigate and ensure the removal and permanent deletion of any relevant data.

What about children’s data?

How and Why we use your Data

For detailed information about how and why we use your data, please refer to the corresponding section(s) within our Privacy Policy.

Website Disclaimer

We strive to provide uninterrupted access to our website, but we cannot guarantee that it will always be available or error-free. We may modify or discontinue any feature or service on our website at any time.

The content on our website is intended for informational purposes and general interest. While we make reasonable efforts to ensure its accuracy and currency, we do not guarantee or warrant the completeness or reliability of any information. The use of our website is at your own risk, and the information provided may change without notice. Before relying on any information, we recommend verifying its accuracy and relevance, which may involve contacting our team or finance brokers.

To the fullest extent permitted by law, we exclude all warranties, guarantees, terms, and conditions (express, implied, or statutory) relating to this website and its content. If any warranty, guarantee, term, or condition cannot be excluded by law, our liability is limited, at our discretion, to the re-supply of the relevant part of our website or the payment of the costs to provide an equivalent service again.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of GM Financial Solutions or its content suppliers and is protected by international copyright laws. Unauthorized use of any content from this website is prohibited.

Limitation of Liability

To the fullest extent permitted by law, GM Financial Solutions shall not be liable for any direct, indirect, incidental, or consequential damages arising out of the use or inability to use the website or its services.

Third-Party Content

Our website may contain links to third-party websites or services not owned or controlled by GM Financial Solutions Pty Ltd. We have no control over and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or their services.

Likewise, this Website may contain information and materials from third parties, including public comments, advertisements, feeds, data information, social media content, and links. We do not have control over, and are not responsible for, any Third-Party Content, including its currency, accuracy, or reliability. Unless expressly stated otherwise, we do not sponsor or endorse the Third-Party Content.

Certain features of the Website aggregate Third-Party Content to produce results for you. We rely on third parties to supply this content and therefore do not warrant the quality or accuracy of the results. To the extent permitted by law, we have no liability arising out of any results or recommendations produced by the Website, and you are responsible for the final choice of any product that you may select.

Cookies & Web Beacons

Cookies

Our website uses cookies to enhance your experience. Cookies are small text files stored on your device when you visit our website.

We use cookies to:

  • Understand how you use our website
  • Personalise your experience
  • Improve our website functionality and performance
  • Serve relevant advertisements
How can I block cookies?

You can block cookies by activating a setting on your browser allowing you to refuse the setting of cookies. You can also delete cookies through your browser settings. If you use your browser settings to disable, reject, or block cookies (including essential cookies), certain parts of our website will not function fully. In some cases, our website may not be accessible at all. Please note that where third parties use cookies we have no control over how those third parties use those cookies

Web Beacons

We use web beacons (also known as pixel tags) to monitor user behaviour on our website and measure the effectiveness of our marketing campaigns.

Web beacons collect information such as:

  • Pages visited
  • Time spent on pages
  • Interaction with our content

Making this Policy Great

This policy was developed based on an open-source template from Loan Market Group Pty Ltd (LMG) and adapted to Webflow by GMB Profiles in partnership with GM Financial Solutions Pty Ltd.

Please don’t make this the last time you read this policy, as we will periodically post any updates on this page. Significant changes that pertain directly to you or your business with us will, of course, be communicated to you directly. Staying informed about these updates ensures you are always aware of how your personal information is being protected and used.

If any provision of these Terms is found to be void, unlawful or unenforceable for any reason, then that portion of the provision that creates the invalidity, unlawfulness or unenforceability will be severable from these Terms' remaining provisions. These Terms are governed by the laws of the State of New South Wales, Australia.

You may request further information about the way we manage your personal information by contacting us. You may also request this privacy policy in an alternative form.

Effective date: July 2024
Last Updated: July 15th, 2024