About these website terms of use
These terms of use apply to this website which is operated on behalf of Flexstar Mortgage Corporation Pty Ltd (ACN 154 777 152), trading as Well Home Loans and its related bodies corporate (referred to as “we”, “us” and “our”).

We are committed to protecting your privacy and these terms of use explain how your personal information will be treated as you access and interact with this website.

Your use of the information, graphics, materials and calculators on this website is governed by these terms of use and our privacy policy located here.

If you do not agree to any of the terms of use, then do not use the website. We may vary these terms of use at any time and without notice.

General information
This website is intended for use within Australia and is controlled, operated and administered by us from our offices located in Melbourne, Australia. The material on this website may be accessed from locations outside of Australia and we make no representation that it is appropriate or available for users outside of Australia. Any and all offers on this website are only valid for Australian citizens or residents of Australia unless specified otherwise.

If you access this website from locations outside of Australia, you are responsible for compliance with all local laws.

The material on this website is of a general nature and does not comprise professional advice or product recommendation. Where an interest rate, repayment amount or similar information is provided, they are an estimate only.

At all times, we recommend you review any relevant disclosure document relating to a product or service and obtain professional advice before making a decision to ascertain whether it is appropriate for your needs.

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 which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information
Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Links to other websites and information from third parties
Our website also contains links to the websites of third party providers of goods and services (Third Party websites).

If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

The operators of Third Party websites may not be affiliated with us and we do not operate or control these websites. We make no warranty or representation regarding their quality, accuracy or completeness and your use of any aspect of these sites and all such use is solely at your risk.

All statements relating to goods and services or offers to sell that are available on Third Party websites are the responsibility of and given by the Third Party website operator. Although we endeavor to ensure that their information about us is correct we accept no responsibility for the information about us that they contain.

We may receive payments from operators of Third Party websites in relation to goods or services supplied by the operator as a result of you linking to the website from our website.

Third Party websites will each have their own privacy policy. Please ensure that you have read and fully understand their privacy policy prior to using their site.

Advertising and tracking
When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

the server your computer is logged onto;
your browser type;
the date and time of your visit; and
the performance of their marketing efforts.
When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

Cookies
While using this website, we may use a ‘cookie’ to provide you with a better and more customised service along with a more effective website.

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. 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 internet browser. Cookies do not capture or track any personal information and cannot identify you as an individual.

We use cookies for different purposes such as:

to allocate a unique number to your internet browsers;
to customise our website for you;
for statistical purposes;
to identify if you have accessed a Third Party Website; and
for security purposes.

Security of information
The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

IP addresses
Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Warranties
While we have made every effort to ensure that information is free from error, we do not warrant the accuracy, adequacy, timeliness or completeness of material on this website. This website is provided “as is” without warranties of any kind, express or implied, to the extent permitted by law.

The use of Well’s website is entirely at your own risk. All information is subject to change without notice. We recommend that you seek independent advice before acting upon material on this website or a Third Party website.

No availability or functionality guarantee
We do not make any representations or warranty about the availability or functionality of this website. To the maximum extent permitted by applicable law, we exclude all liability to you, whether in contract, tort (including negligence) or otherwise arising from any unavailability, or failure in the functionality, of this website; any third party website; or from any circumstance beyond our reasonable control.

Online applications
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

Direct marketing
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request via email to [email protected] We will respond to your request as soon as practicable.

Disclosure to overseas entities
We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

Copyright and trademark
Copyright in the material on this website is owned or licensed by us.

Except where necessary for viewing the material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these terms of use, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without our specific written consent.

You must retain, on all materials downloaded, all copyright and other proprietary notices contained in the materials on this website. You may not obtain or attempt to obtain any material on this website through any means not intentionally made available or provided for through this website.

You may not modify the materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and you must not transfer the materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use.

As a condition of your use of this website, you warrant that you will not use the website for any purpose that is unlawful or prohibited by these terms and any other terms as provided.

You may not use this website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment of this website.

You must not conduct any systematic or automated data collection activities of any type on or in relation to this website without our express written consent.

Please contact us at [email protected] if you have any questions about these terms and conditions of use.