By accessing and using this website, you agree to be bound by the following terms and conditions, which together with our Privacy Policy and any other legal notices published by Navigate Financial, govern our relationship with you in relation to this Website. If you do not accept these terms and conditions, please do not use our website.

1. General Use

• The content of this Website is for your general information and use only. It is subject to change without notice.
• You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Website.

2. Cookies and Data Collection

• This Website uses cookies to monitor browsing preferences. If you allow cookies to be used, personal information may be stored and used by us in accordance with our Privacy Policy. This may include the use of cookies by third parties.

3. Accuracy and Liability

• We make every effort to ensure the information on this Website is accurate; however, we do not warrant or guarantee the performance, accuracy, timeliness, completeness or suitability of the information and materials for any particular purpose.
• You acknowledge that such information and materials may contain errors or inaccuracies, and we expressly exclude liability for any such errors to the fullest extent permitted by law.
• Any use of the materials or information on this website is entirely at your own risk. It is your responsibility to ensure that any products, services, or information available through this Website meet your specific requirements.

4. Intellectual Property

• This website contains material, which is owned by or licensed to us, including (but not limited to) the design, layout, look, appearance and graphics.
• Reproduction is prohibited unless in accordance with the copyright notice that forms part of these terms and conditions.
• All trademarks reproduced in this website, which are not the property of or licensed to us, are acknowledged on the Website.

5. Third-Party Links

• This website may include links to other websites which are not under our control. These links are provided for your convenience. They do not signify that we endorse the website(s). We accept no responsibility for the content, nature, or availability of those sites.

6. Unauthorised Use

• Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

7. Availability

• While we strive to ensure the website is available at all times, we will not be liable for any interruption or downtime due to technical issues beyond our control.

8. Indemnity

• You agree to indemnify and hold harmless Navigate Financial and its officers, directors, employees and agents from and against any claims, liabilities, damages, losses, costs or expenses (including legal costs on a full indemnity basis) arising out of or in connection with your use of the Website or breach of these terms.

9. Limitation of Liability

• To the fullest extent permitted by law, we will not be liable for any direct, indirect, incidental, special or consequential loss or damage which may arise in connection with your use of the Website.

10. Governing Law

• Your use of this website and any dispute arising from such use is subject to the laws of New South Wales, Australia. By accessing this website, you consent to the exclusive jurisdiction and venue of courts in New South Wales in all disputes arising out of or relating to the use of this Website.

11. Changes to Terms

• We may update these terms from time to time. Any changes will be effective immediately upon publication on the Website. Continued use of the Website after such changes constitutes your acceptance of the revised terms.