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Terms & Conditions

This Terms & Conditions should be read in conjunction with our Privacy Policy   and Credit Guide

Welcome to www.uzofinance.com.au. This website is owned and operated by UZO Finance Group PTY LTD ABN 93673030361 (‘we’ ‘us’ and ‘our’).

Acceptance

By using our website, you confirm that you accept these terms of use and agree to be bound by them.

Our Website

You must use our website in accordance with these Terms of use, only for lawful purposes and only in a way which does not infringe the rights of anyone or restrict or inhibit anyone’s use of our website. You understand and agree that your use of our website is provided “as is” and “as available”. We do not represent or warrant that the operation of our website will be secure,
confidential, uninterrupted, error-free, accurate, complete, or current.

We update and carry out maintenance on our website regularly, so we may have to suspend access, service, or functionality on our website from time to time, without notice. We will not be liable if, for any reason, our website is not available at any time or for any period. Our website may contain links to third party sites, information, and resources (third party links) and information provided by third parties (third party content). We are not responsible for the third party links or third-party content and cannot guarantee that any third-party links or third-party content will be uninterrupted, error-free, accurate, complete, or current.

Any links to Third party content does not represent our endorsement of such third-party content. We have no control over the third-party content and will not be liable for any loss or damage you suffer or incur when you access or use any Third-party links or Third-party content.

Disclaimer

The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without considering your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the information contained in this website in relation to your own situation and
needs before taking any action.

Content and general information contained in this website should not be relied upon for the purposes of entering any legal or financial commitments. Specific credit advice should be obtained from a suitably qualified credit professional before making any financial decision. A qualified Red Rock Brokers (UZO Finance) credit representative will provide you with credit advice and assistance based on your individual requirements, circumstances, and objectives. Note the loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that product.

The promotional information contained in this website is for illustration purposes only and is subject to change. Statements, calculations, plans, figures, images, and representations are indicative only. Images may include artist impressions and computer-generated images.

Changes to current projects may be made during the further planning or development stages of any development. Whilst all reasonable care has been taken in providing this information, we accept no responsibility for the accuracy of any information contained herein or for any action taken in reliance thereon by any party whether purchaser potential purchaser or otherwise.


Prospective purchasers should make their own inquiries to satisfy themselves as to all aspects of any Redrock Group (UZO Finance) project and should seek independent legal and financial advice in relation to any purchase acquisition. The information contained in this website is a guide only and does not constitute an offer, inducement, representation, warranty, or contract.

Content

We own, or are the licensee of, the intellectual property rights in the content of our website, including text, photos, graphic designs, and images. You retain all the rights in and to the content that you submit or post on or through our website.

By submitting and posting your content on our website: (a) you give us a perpetual, irrevocable, worldwide, royalty-free and non-exclusive licence to reproduce, publish, display and distribute your content; (b) you consent to us disclosing your content and personal information with our suppliers; and (c) you consent to us and our suppliers using your personal information to send
you information about products and services that we feel may be of interest to you.

You can unsubscribe from receiving this information at any time by emailing us. Our use of your personal information will be governed in accordance with our privacy policy, a copy of which can be found here.

Cookies

We use ‘cookies’ to provide you with better and more customised service and 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.

We use cookies for different purposes such as: (a) to allocate a unique number to your internet browsers; (b) to customise our website for you; (c) for statistical purposes; (d) to identify if you have accessed a third party Website; and (e) for security purposes.
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: (a) the server your computer is logged onto; (b) your browser type; (c) the date and time of your visit; and (d) 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 (e.g., which pages you view) and whether you complete an online application.

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.

Security of information

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

Forms

When you make an online enquiry with us via our website, we retain the information contained in the form submission. We may utilise the information sent to us to provide any credit assistance, service or support sought.

Payment service

By using the payment service on this website, you agree to accept the following payment service terms and conditions. Our payment service uses a secure online form to transmit your card details securely to our payment gateway provider. By using the payment service on this website, you accept and consent to your personal data being provided to our payment gateway provider for sole purpose of offering and administering the online payment. Credit card payments are processed securely through Stripe and no card details are stored by us. Stripe are PCI compliant. For more information visit http://www.stripe.com/. The invoices will be sent out from Xero. For more information visit https://www.xero.com/au/.

When you utilise our secure payment service, funds will be deducted from your credit card
account.

  • If successful, will confirm that your payment was completed via a transaction receipt

  • If unsuccessful, will advise that your payment has failed via a transaction receipt

  • By using our online payment facilities, you agree to all applicable policies relating to your
    Internet resources.

  • All information you provide on the credit card payment facility forms will be handled in
    accordance with our privacy policy.

  • Our payment service terms and conditions are subject to change at any time.

  • Each transaction may be subject to the specific terms and conditions at the time of the transaction.

Authorisations & Warranties

Your request and authorise UZO Finance (ABN 93673030361) or its related entities, to arrange, through its own financial institution, a debit to your nominated card account. ‘UZO Finance’ will appear on your card account statement. This debit or charge will be made from your card account held at the financial institution you have nominated via the payment service. Each time a transaction is processed via the payment service, whether the transaction result is successful or not, you represent and warrant that:

  1. You are 18 years of age or older.

  2. You have the appropriate authority to validly accept these payment service terms and conditions and can and will meet your obligations in relation to these terms.

  3. The credit card used in connection with the payment services is issued in your name or you are authorised to use the card.

  4. You will pay the with credit card issuer all charges incurred in the use of the services.

  5. Any information you provide to us in connection the use of the payment service is complete, accurate, valid and with proper authority and is not misleading or deceptive; and

  6. If you have disclosed personal information to us including card holder information and you have obtained the relevant individual’s prior consent to the disclosure and otherwise complied with your obligations under privacy law.

 

Recurring Payments

Upon use of our payment service, a unique token is generated to enable future payments. Transactions occur via an automatic redirect of the credit card data to payment gateway provider to process the transaction. All recurring payments are subject to the terms and conditions of your direct debit agreement held with us. (If applicable).

Payment Fees

We reserve the right to charge a merchant service fee or a failed payment fee for transactions processed via the payment service. Where applicable any merchant service fee will be disclosed to you in writing prior to your transaction payment.

Payment Security

The protection and security of information that you provide on this website is very important and strict industry standards are always applied. Payment information that you enter when using this site is processed and stored in accordance with the Payment Card Industry Data Security Standard (PCI-DSS).

This Standard has been developed by the PCI Security Standards Council which is an open global forum responsible for the ongoing development, enhancement, storage, dissemination, and implementation of security standards for account data protection. The information that you provide is protected using Transport Layer Security (TLS) 256-bit encryption.

You will notice that the URL in your browser is “HTTPS” instead of “HTTP”. Your browser may also display a lock symbol beside the address bar to indicate that the data transmitted through the website is secure. The storage of payment information on the host server used by this website is protected by a range of network and host-based security systems.

Refund Policy

All payments once made via our payment service are non-refundable unless notified in writing to you. It is your responsibility to ensure that the cardholder payment details, and the payment amount is correct before processing your payment.

Currency & Taxes

All payments made using the service are processed in Australian dollars (AUD) and include ten percent goods and services tax (GST).

Card Scheme Logos

The card scheme logos, names and holograms shown on the payment service are owned solely and exclusively by the relevant card scheme.

Liability

Except where we are unable to exclude our liability by law, we will not be liable to you for any loss or damage, however it arises, whether in contract, statute of tort (including negligence), arising out of, or in connection with, your use of (including inability to use) our website including payment services. We exclude liability for any loss of profit, loss, or corruption of data, special,
exemplary, punitive, incidental, indirect, or consequential loss or damages suffered or incurred or arising in connection with our website, any services we have provided, or in connection with any act or omission by us (negligent or otherwise).

General Terms

We reserve the right to change any or all these terms and conditions, and/or add new terms and conditions at any time. When we do so, we will make a new copy of these terms of use available on our website. Your continued use of our website will be deemed to constitute your acceptance of such changes.

If any part of these terms of use are void, unenforceable or illegal, they will be severed and the remainder of these terms of use will continue to have full force and effect. Notices required to be given under these terms of use may be sent by email, by post or in the case of notices we give you, by making the information available on our website. There is no relationship of employment,
partnership, agency or fiduciaries between you and us. These terms of use are governed by and construed under the laws of Victoria.

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