Copyright © 2008 Martin Credit Management Services For the purposes of these notices “Martin Credit” means Martin Credit Management Services, ABN 29 791 029 124

Copyright Notice   Ownership of copyright   The copyright in this website and the material on this website (including without limitation the text, computer code, artwork, photographs, images, music, audio material, video material and audio-visual material on this website) is owned by Martin Credit.   Copyright license   Martin Credit grants to you a worldwide non-exclusive royalty-free revocable license to:   l        view this website and the material on this website on a computer or mobile device via a web browser; l        copy and store this website and the material on this website in your web browser cache memory; and l        print pages from this website for your own personal and non-commercial use.   Martin Credit does not grant you any other rights in relation to this website or the material on this website.   In other words, all other rights are reserved.   For the avoidance of doubt, you must not adapt, edit, change, transform, publish, republish, distribute, redistribute, broadcast, rebroadcast or show or play in public this website or the material on this website (in any form or media) without Martin Credit’s prior written permission.     Data mining   The automated and/or systematic collection of data from this website is prohibited.   Permissions   l        You may request permission to use the copyright materials on this website by writing to enquiries@martincredit.com.au or PO Box 4581   Springfield   Qld  4300 Australia .   Enforcement of copyright   Martin Credit takes the protection of its copyright very seriously.   If Martin Credit discovers that you have used its copyright materials in contravention of the license above, Martin Credit may bring legal proceedings against you seeking monetary damages and an injunction to stop you using those materials.  You could also be ordered to pay legal costs.   l        If you become aware of any use of Martin Credit copyright materials that contravenes or may contravene the license above, please report this by email to enquiries@martincredit.com.au or by post to PO Box 4581   Springfield   Qld  4300 Australia .   Infringing material   l        If you become aware of any material on the website that you believe infringes your or any other person's copyright, please report this by email to enquiries@martincredit.com.au or by post to PO Box 4581   Springfield   Qld  4300 Australia     Website Disclaimer   No warranties   This website is provided “as is” without any representations or warranties, express or implied.  Martin Credit makes no representations or warranties in relation to this website or the information and materials provided on this website.    Without prejudice to the generality of the foregoing paragraph, Martin Credit does not warrant that:   l        this website will be constantly available, or available at all; or l        the information on this website is complete, true, accurate or non-misleading.   Nothing on this website constitutes, or is meant to constitute, advice of any kind.  If you require advice in relation to any legal or financial matter you should consult an appropriate professional.   Limitations of liability   Martin Credit will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:   l        to the extent that the website is provided free-of-charge, for any direct loss; l        for any indirect, special or consequential loss; or l        for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.   These limitations of liability apply even if Martin Credit has been expressly advised of the potential loss.   Exceptions   Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Martin Credit’s liability in respect of any:   l        death or personal injury caused by Martin Credit’s negligence; l        fraud or fraudulent misrepresentation on the part of Martin Credit; or l        matter which it would be illegal or unlawful for Martin Credit to exclude or limit, or to attempt or purport to exclude or limit, its liability.   Reasonableness   By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.    If you do not think they are reasonable, you must not use this website.   Other parties   You accept that Martin Credit has an interest in limiting the personal liability of its officers and employees.  You agree that you will not bring any claim personally against Martin Credit’s officers or employees in respect of any losses you suffer in connection with the website.   Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Martin Credit’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Martin Credit.   Unenforceable provisions   If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.       Privacy Policy Your privacy is important to Martin Credit.  This privacy statement has been developed in accordance with relevant Federal and State privacy legislation to provide information about the personal information that Martin Credit collects, and the ways in which Martin Credit uses that personal information.   Personal information collection   Martin Credit may collect and use the following kinds of personal information:   l        information regarding your personal details including your name, your business/company name, mailing address, e-mail addresses and telephone contact numbers and other identifiable information you may disclose; l        information about transactions carried out over this website including fulfilling your requests for information or for such other business purposes as you may initiate or request; l        information you provide for the purpose of subscribing to the website services including any publication of literature and related information.    Using personal information   By submitting information you agree to Martin Credit use of the information as described herein:   l        supply to you services that you may request or purchase; l        supply products to you that you may purchase; l        send you statements and invoices; l        collect payments from you; and l        send you marketing communications. l        use of your personal details to perform statistical analyses of user behaviour to determine what is most effective about our website and to assist Martin Credit  identify ways to improve the website and how best to tailor the website to suit the users needs.   Where Martin Credit discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement.   In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, Martin Credit may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.   Securing of your data   Martin Credit will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.   Martin Credit will store all the personal information you provide on its secure servers.   Information relating to electronic transactions entered into via this website will be protected by encryption technology.   Corrections to your data   You may make changes to your data to correct, update, delete and un-scribe from mailing lists or any registration to this site by contacting the Privacy Officer at Martin Credit.   Updating this statement   Martin Credit may update this privacy policy by posting a new version on this website.    You should check this page occasionally to ensure you are familiar with any changes.   Other websites   This website contains links to other websites as a service to our users.  Be aware that Martin Credit cannot control or be responsible for the information supplied on third party websites.  You are encouraged to read and familiarize yourself with the privacy policies of these third party websites before providing your personal information to them.     Questions and enquiries   If you have any questions about this privacy policy or Martin Credit treatment of your personal information, please contact John Strauss Privacy Officer   l        by email to enquiries@martincredit.com.au l        by post to    PO Box 4581   Springfield   Qld  4300 Australia       These Notices The foregoing notices, disclaimers and policies are based on original templates created by template-contracts.co.uk and distributed by freenetlaw.com