/Disclaimer Terms and Conditions
Disclaimer Terms and Conditions2017-03-29T14:30:21+00:00

Please read this entire agreement so you know and understand the program rules!

1. Specialised Industry Consultants and Cardiac Safe Affiliate  Agreement

This agreement describes the terms and conditions for participation in the Specialised Industry Consultants and Cardiac Safe program. In this agreement, the term “Affiliate” refers to you (the applicant). In this agreement, Specialised Industry Consultants and Cardiac Safe refers to the product owner and publisher.

2. Modification

We may modify any of the terms and conditions within this Agreement at any time and at our sole discretion. These modifications may include, but not limited to changes in the scope of available referral fees, fee schedules, payment procedures and Affiliate Program rules. If any of the modifications are UNACCEPTABLE TO YOU, your only recourse is to terminate this Agreement. If you CONTINUE PARTICIPATION IN THE PROGRAM, it will be considered as your acceptance of the change.

3. Enrolment

To enrol in the affiliate program, you must submit an affiliate application and be approved. Applications are processed every Friday and applicants will be notified of their acceptance status as soon as possible after their information is reviewed. All Fees must be paid prior to applications being processed.

4. Commissions

There are no commissions of any kind under this agreement, the Affiliates will receive a wholesale trade price and be advised of the recommended retail price RRP and the potential profit margin for each product. Profit Margins may change at the discretion of the product publisher, Specialised Industry Consultants and Cardiac Safe.

6. Payment

All Affiliates are required to make full payment for products at time of purchase through http://cardiacsafe.com.au website. Ensure you login to get wholesale rates.

7. Order Fulfilment

Specialised Industry Consultants and Cardiac Safe  will be solely responsible for processing every order placed by a affiliate via http://cardiacsafe.com.au Affiliates will be responsible to ensure delivery or fulfilment of the order to their clients.

Affiliates are not authorised to sell any of these products on ebay or other auction sites.

Affiliates are not authorised to give away copies of any of these products.

Affiliates are authorised to sell any of these products on their own website, and must comply with fair trading guidelines for Australia and their State. The Authorised seller logo must be displayed on their site at all times. This logo will be supplied by electronic form once registration has be approved. Can also be downloaded from the Portal.

Affiliate will also be solely responsible for all customer service inquires.

All affiliates understand and acknowledge that no physical products will be shipped until full payment is received.

Affiliates who purchase products and services through the Specialised Industry Consultants Cardiac Safe Affiliate Program will be deemed to be customers of Specialised Industry Consultants / Cardiac Safe. Accordingly, all rules, policies, and operating procedures concerning customer orders and service will apply to those customers. We may change our policies and operating procedures at any time. Prices and availability of our products and services may vary from time to time. Specialised Industry Consultants and Cardiac Safe policies will always determine the price paid by the customer.

8. Qualifying Sites

Specialised Industry Consultants reserves the right to refuse any affiliate member entry into the Specialised Industry Consultants and Cardiac Safe Affiliate Program based on their site content. Sites that do not qualify for the Affiliate Program include sites which:

  • Promote sexually explicit materials
  • Promote violence
  • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
  • Promote illegal activities
  • List coupon codes or discounts that were NOT officially provided to them by Specialised Industry Consultants . Want to promote a coupon? Contact us and we can work with you. You may NOT promote coupon codes you may have found elsewhere online. Doing so can result in the termination of your affiliate account and withholding of affiliate payments for violating our affiliate agreement.
  • Infringe or otherwise violate any copyright, trademark, or other intellectual property rights of Specialised Industry Consultants  or any other site..

9. Permitted Usage

The following are permitted uses of the Specialised Industry Consultants and Cardiac Safe brand and marketing resources

  • Affiliates are permitted to use the graphical banners and design resources with the Cardiac Safe Partner Logo. If a specific size banner ad is not available, the affiliate may contact the Affiliate Program manager at accounts@siconsultnats.com.au and request a new banner graphic be added to the available resources.
  • These resources will be found under a secure section on the http://cardiacsafe.com.au webiste.

10. Prohibited Usage

The following cases prohibited and are grounds for immediate termination of the affiliate account.

  • Affiliates MAY NOT use the Specialised Industry Consultants and Cardiac Safe Partner, logo marks or other Specialised Industry Consultants website/branding imagery in a header graphic or in any way as to indicate they are officially affiliated or partnered with Specialised Industry Consultants, unless approved by Specialised Industry Consultants and Cardiac Safe.
  • Affiliates MAY NOT use the term “Specialised Industry Consultants or Cardiac Safe Partner or ” in ANY variation in their site URL ex.
  • Affiliates MAY NOT promote coupon codes you may have found elsewhere online. Doing so can result in the termination of your affiliate account and withholding of affiliate payments for violating our affiliate agreement.

11. Anti-Spam Policy

Specialised Industry Consultants and Cardiac Safe strictly prohibits affiliates from using spam e-mail and other forms of Internet abuse (including spamming forums, blogs, twitter, facebook and other social media outlets) to seek sales. Spam is defined as including, but not limited to, the following:

  • Electronic mail messages addressed to a recipient with whom the sender does not have an existing business or personal relationship or is not sent at the request of, or with the express consent of, the recipient through an opt in subscription;
  • Messages posted to Usenet, forums, Twitter, Facebook and message boards that are off-topic (unrelated to the topic of discussion), cross-posted to unrelated newsgroups, posted in excessive volume, or posted against forum/message board rules. Be conscious of forum rules! If a forum owner or moderator complains that an affiliate has spammed, the affiliate account may be permanently terminated after investigation.
  • Content posted on free blog websites for the sole purpose of keyword spamming, or comments posted to legitimate blogs that violate the comment policy of the blog owner.
  • Solicitations posted to chat rooms, or to groups or individuals via Internet Relay Chat or “Instant Messaging” system;
  • Certain off-line activities that, while not considered Spam, are similar in nature, including distributing flyers or leaflets on private property or where prohibited by applicable rules, regulations, or laws.

Specialised Industry Consultants and Cardiac Safe , may undertake, at its sole discretion and with or without prior notice, the following enforcement actions:

  • Account Termination: Upon the receipt of a credible complaint, the Specialised Industry Consultants and Cardiac Safe Affiliate Program manager may investigate the complaint, and if necessary, will then terminate the affiliate account of the individual implicated in the abuse. Termination results in the immediate closure of the member and affiliate account, the loss of all referrals, and the forfeiture of any unpaid money on account. At Specialised Industry Consultants and Cardiac Safe discretion, termination may not only result in being banned from the affiliate program, but also being banned from ANY other internal affiliate programs.

12. Relationship of Parties

Affiliates are independent contractors, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the parties. Affiliates have no authority to make or accept any offers or representations on our behalf. Affiliates will not make any statement, whether on their sites or otherwise, that reasonably would contradict this statement.

All Affiliates are to have suitable attained insurance. 
Public Liability for 20 million dollars Plus Products.

13. Term and Termination

The term of this Agreement will begin when you make payment for your account and will end when terminated by either party. Either Specialised Industry Consultants and Cardiac Safe or the affiliate may terminate this Agreement at any time, with or without cause. Upon the termination of this Agreement for any reason, all licenses granted here under shall immediately terminate and you will immediately cease use of, and remove from Affiliate’s Web Site, all links to the Specialised Industry Consultants and Cardiac Safe websites, and all Specialised Industry Consultants and Cardiac Safe trademarks and logos, other Specialised Industry Consultants and Cardiac Safe marks and all other materials provided in connection with this program.

14. Limitation of Liability

Specialised Industry Consultants and Cardiac Safe will not be liable for indirect, special, or consequential damages (or any loss of revenue, profits, expenditures or data) arising in connection with this Agreement or the Program, even if we have been advised of the possibility of such damages. Further, our aggregate liability arising with respect to this Agreement and the Program will not exceed the total commissions paid or payable to the affiliate under to this Agreement.

15. Disclaimers

We make no express or implied warranties or representations with respect to the Affiliate Program or an affiliate’s potential to earn income from the Affiliate Program. In addition, we make no representation that the operation of the websites or the Affiliate links will be uninterrupted or error-free, and Specialised Industry Consultants and Cardiac Safe will not be liable for the consequences of any interruptions or errors.

16. Miscellaneous

Our failure to enforce your strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provision of this Agreement.

If any of the provisions of this Agreement are determined by a court to be unenforceable, they shall be severed from this Agreement, and the remaining provisions shall remain in full force and effect.

By signing up with the Specialised Industry Consultants and Cardiac Safe Affiliate Program, you acknowledge that you have read this agreement and agree to all its terms and conditions. You have independently evaluated this program and are not relying on any representation, guarantee or statement other than as set forth in this agreement.

 

Terms and Conditions of Sale

Access to and use of this website (“The Specialised Industry Consultants / Cardiac Safe Website”) which is currently accessible via the domain name of http://www.cardiacsafe.com.au is provided subject to the legal statement and the terms and conditions of sale listed on our website. Please read our Privacy Policy to see how we use any personal information gathered from the use of the Specialised Industry Consultants / Cardiac Safe website and our Legal Statement for general terms and conditions.

PLEASE READ ALL THESE TERMS AND CONDITIONS CAREFULLY AS USE OF THIS WEBSITE
CONSTITUTES FULL ACCEPTANCE OF THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY.

User Accounts

You may access and/or use the website as a guest or as a member. However if you are purchasing products and choose to use the website as a guest, you will not be able to log in and check your order details or manage your personal details. To become a member of the website, you must:

  • accept all terms and conditions listed on this website;
  • agree that you have entered into a legal contract with Specialised Industry Consultants / Cardiac Safe and that all terms and conditions listed on this website constitute the entire agreement between you and Specialised Industry Consultants / Cardiac Safe for the supply of products or services;
  • be at least eighteen (18) years of age;
  • provide your name and address, telephone number, a valid email address, and nominate a password. If you do not provide accurate and complete details we may not be able to activate your membership or supply products to you; and
  • agree to keep your membership details current at all times by accessing your account via the website.

Only one registration per email address is permitted and you must not use another member’s account without permission. You must keep your password secure and not share it with anyone as you are responsible for any activity on your account. You agree to notify us immediately if you become aware of any security breach or any unauthorised use of your password or account. If you forget your password you may click on the relevant link located on the website and further instructions will be emailed to you.

Specialised Industry Consultants / Cardiac Safe reserves the right to terminate any account without notice for any reason whatsoever including without limitation, if you have breached or we suspect you have breached these terms, and reserves the right to take legal action against and/or seek compensation from the parent or guardian or a minor who causes and order to be placed or for any loss or damage that Specialised Industry Consultants / Cardiac Safe may suffer as a result of any transaction entered into by a minor.

Orders and Payments

Representations of products for sale made by Specialised Industry Consultants / Cardiac Safe via the website do not constitute an offer to sell but an invitation to treat.

You and Specialised Industry Consultants / Cardiac Safe may enter into a contract for the sale and supply of products by you making an offer via the website to purchase a product at the price advertised on the website by:

  • placing an online order for the product/s via the website;
  • you confirming the order in accordance with the procedure on the website;
  • you making full payment for the order including applicable delivery charges; and
  • Specialised Industry Consultants / Cardiac Safe accepts your offer.

All orders should be carefully previewed before finalising and making payment. Once you have placed your order, you cannot cancel or revoke your order, unless expressly provided for in the terms and conditions listed on this website.

You also acknowledge that:

  • the transmission of your offer or the confirmation of any payment, made via any electronic means may not be received by Specialised Industry Consultants / Cardiac Safe for reasons beyond either parties’ control including but not limited to: electronic, mechanical, software, computer, or telecommunications failure, or the failure of third party website providers or systems;
  • to the extent permitted by law, Specialised Industry Consultants / Cardiac Safe is not liable to you in any way for any loss or damage at all arising directly or indirectly in connection with electronic transmission through the website, or any failure to receive an electronic instruction for whatever reason;
  • Specialised Industry Consultants / Cardiac Safe may process all completed electronic transmissions made via the website without further consent from or reference to you; and
  • Specialised Industry Consultants / Cardiac Safe may treat an electronic transmission as authentic and is under no obligation to investigate the authenticity or authority of persons performing such electronic transactions, or to verify the accuracy and completeness of such electronic transmissions.

If your order is accepted by Alpha Physio, you will receive a confirmation email as soon as practicable after you have completed the order and made full payment. If you have any questions regarding your order, you should contact us. If your order is not accepted by Alpha Physio, Specialised Industry Consultants / Cardiac Safe will make every reasonable effort to contact you regarding your order. Specialised Industry Consultants / Cardiac Safe may, in its sole discretion, accept or reject any offer made by you for any reason, including but not limited to an error in the advertised price for, or description of, the products on the website, or an error in your order. Any representations made about stock availabilities are accurate to the last known stock level and are subject to change. If Specialised Industry Consultants / Cardiac Safe cannot supply a particular product, Specialised Industry Consultants / Cardiac Safe will make every reasonable effort to contact you regarding your order. An order will be deemed to have been accepted when your order is delivered to your specified delivery address or on collection of your order from Alpha Physio’s physical location.

Prices shown are in Australian (AU) dollars and include GST or Exclude GST where applicable and are subject to change at any time without notice. Prices shown do not include delivery and handling charges. Any published saving in respect of a product is by reference to the normal ticketed price of products listed on Specialised Industry Consultants / Cardiac Safe. Images of products shown without any advertised price beside that image are not offered for sale. Unless otherwise stated, any accessories shown in any image of any products are not included in the price. Specialised Industry Consultants / Cardiac Safe reserves the right to correct any errors published on the website.

All payments must be made in full prior to delivery of your order being organised, and must be made via the secure payment gateway facility accessible via the website and will be subject to any terms and conditions of that gateway. You therefore agree to and are bound by all terms and conditions of the provided payment gateway. To the extent permitted by law, Specialised Industry Consultants / Cardiac Safe will not be responsible for any damages or consequential losses (whether direct or indirect) suffered by a user where a PayPal / or Bank Account or Credit / Debit account is fraudulently used or is used in an unauthorised manner.

Supply and Delivery

Subject to you complying with the terms and conditions listed on this website and acceptance of your order by Alpha Physio, Specialised Industry Consultants / Cardiac Safe will sell and supply the products to you as shown on your order confirmation. Some products may not be available for immediate delivery and will be delivered as soon as practicable.

When you complete your order you will be prompted to in put a delivery address. It is your sole responsibility to ensure that your delivery address is correct and Specialised Industry Consultants / Cardiac Safe will take no responsibility whatsoever for delivery issues relating to incorrect address information supplied by you.

The delivery address must be an address within Australia and cannot be a freight forwarding location. Deliveries cannot be made to PO Boxes. You will be required to be available in person to accept delivery of your order. You must advise at the time you place your order via the website of any difficulties that may be involved in the delivery (such as stairs or narrow entries). If you do not state the situation correctly and on arrival the delivery contractor deems it to be a difficult location, you will be liable for any extra charges including redelivery fees and the cost of an extra person to assist. Specialised Industry Consultants / Cardiac Safe cannot and will not accept responsibility for delivery failures or delays by any third party delivery contractor.

If you wish to change the delivery date or delivery address you must contact us at least forty-eight (48) hours prior to the dispatch of your order. Specialised Industry Consultants / Cardiac Safe will take no responsibility whatsoever for delivery issues relating to such changes not made within this time frame.

Specialised Industry Consultants / Cardiac Safe will use its best endeavours to deliver your order within any stated timeframes for dispatch, however Specialised Industry Consultants / Cardiac Safe does not warrant that these timeframes will always be met, as many factors may affect these timeframes that are completely outside Specialised Industry Consultants / Cardiac Safe control and Specialised Industry Consultants / Cardiac Safe will not be held responsible for any issues relating to delivery times.

Title and risk in the products, such as loss and damage, pass to you once the order has been processed by Specialised Industry Consultants / Cardiac Safe and delivery has been authorised/begun by any third party delivery contractor.

Disclaimer and Indemnity

To the extent permitted by law, Specialised Industry Consultants / Cardiac Safe excludes all liability to you or anyone else for loss or damage of any kind (however caused or arising) relating in any way to this website including, but not limited to, loss or damage you might suffer as a result of:

  • anything mentioned in any other terms and conditions listed on this website;
  • errors, mistakes, or inaccuracies on the website;
  • you acting, or failing to act, on any information contained on or referred to on the website and/or any linked website;
  • personal injury or property damage of any kind resulting from your access or use of the website or products/services supplied;
  • any unauthorised access to or use of the websites secure servers;
  • any interruption or cessation of transmission to or from the website;
  • any bugs, viruses, trojan horses, or other harmful code or communications which may be transmitted to or through the website by any third party; and/or
  • the quality or fitness for any purpose of any products, services, or of any linked sites.

Except as expressly provided in the terms and conditions listed on this website, and to the fullest extent allowed by the law, Specialised Industry Consultants / Cardiac Safe will not be liable for any direct, indirect, special, incidental, or consequential damages arising out of your access to or use of the website and/or products and services supplied.

You will at all times indemnify, and keep indemnified, Specialised Industry Consultants / Cardiac Safe from and against any loss (including reasonable legal costs and expenses on a full indemnity basis) or liability incurred or suffered by you or by us arising from any claim, demand, suit, action, or proceeding by any person against you or us where such loss or liability arose out of, in connection with or in respect of your conduct or breach of these terms. This clause is not intended to exclude or limit any rights which you may have under the Competition and Consumer Act 2010 (Cth).

Damaged or Faulty Products and Refund Policy

If any product ordered by you arrives damaged or is not of acceptable quality you may have:

  • rights under our Refund, Returns and Repair Policy; and/or
  • legal rights and remedies in Australia under the Competition and Consumer Act 2010 and other rights under other consumer laws applying in each Australian State and Territory.

If your order arrives damaged, please contact Specialised Industry Consultants / Cardiac Safe immediately.

Refund, Return, and Repair Policy

This Refund, Return, and Repair Policy is applicable to products purchased from the Specialised Industry Consultants / Cardiac Safe website only. We therefore recommend you read this policy prior to making a purchase from Specialised Industry Consultants / Cardiac Safe so you are familiar with our policy on refunds, returns, and repairs and further recommend you also make yourself aware of your rights under the Australian Consumer Law. Specialised Industry Consultants / Cardiac Safe will not be held responsible for your knowledge or lack thereof of these rights.

We also recommend you immediately inspect any goods that are delivered to you to ensure you are completely satisfied with the goods, including that the goods are of acceptable quality, and match the description we have provided to you.

Change of Mind

Please choose carefully as refunds are not provided where you have changed your mind, made a wrong selection, or simply found the goods cheaper elsewhere. We recommend you carefully preview any orders before adding them to your shopping cart and proceeding with your order.

Consumer Guarantees and Your Rights Under the Australian Consumer Law

Under the Australian Consumer Law, you have guaranteed legal rights for goods and services you purchase. These are called consumer guarantees.

All goods sold in Australia come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and for compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

There are nine consumer guarantees that apply to goods you purchase:

  • Acceptable quality
  • Fit for a particular purpose
  • Match description
  • Match the sample or demonstration model
  • Express warranties will be honoured
  • Spare parts and repair facilities will be available for a reasonable time after purchase
  • Title to the goods
  • Undisturbed possession of the goods
  • No undisclosed securities on the goods

Consumer guarantees cannot be excluded and are in addition to any extended warranty you purchase or any voluntary warranty (warranty against defects) you are given. However there may be circumstances where you are not entitled to a remedy. For further information about the Australian Consumer Law and consumer guarantees, visit www.consumerlaw.gov.au.

Goods Damaged in Transit

If any goods arrive damaged, please contact us as soon as possible with all relevant details of the order, delivery issues, and photographic proof of the issues. Specialised Industry Consultants / Cardiac Safe will then investigate the issue and refer you to the third party delivery company in the instance that you have purchased delivery with insurance, or arrange for either replacement of the goods or a refund at our sole discretion. Damaged goods must be returned in the condition received by you with all original packaging, accessories, and/or manuals at your own cost, Within 7 Days of receipt of delivery.

Refunds

Where Specialised Industry Consultants / Cardiac Safe decides a refund is warranted, refunds will be processed as soon as practicable and only via the payment method used to order the product/s.

Returns and Repairs

If any goods arrive damaged, may be applicable for returns, or require repair, you must contact Specialised Industry Consultants / Cardiac Safe immediately. Once approval to return goods has been obtained, goods must be returned within a reasonable time. This timeframe may vary from product to product and may depend on the type of product you purchased and the price you paid. Goods returned for repair will be assessed and/or repaired within a reasonable time. The repair time may vary due to reasons beyond Specialised Industry Consultants / Cardiac Safe control or the repairer’s control, such as part availability and incorrect fault description.

You may be required to pay labour, assessment, and/or freight fees, for instances including but not limited to, where goods are assessed to have been damaged by misuse or accident, or where your rights under the Australian Consumer Law or any manufacturer’s warranty do not apply. We may provide you with an indicative fee, which may vary due to reasons beyond Alpha Physio’s control.

If any goods that you return are capable of retaining user generated data, the replacement or repair of the goods may result in loss of the data. In these circumstances, we recommend you back up data to prevent data loss, and remove sensitive or confidential data, as a party assessing and/or repairing your goods may be required to view data in the course of carrying out the assessment. We will not be responsible for any data loss.

In some circumstances, goods presented for repair may be replaced by refurbished goods of the same type rather than being repaired. Refurbished parts may be used to repair the goods.

Defibrillators will be sent to an approved service provider recommended by the manufacturer.

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Legal Statement

Access to and use of this website (“The Specialised Industry Consultants / Cardiac Safe Website”) which is currently accessible via the domain name of www.cardiacsafe.com.au is provided subject to the legal statement and terms and conditions listed on our website. Please read our Privacy Policy to see how we use any personal information gathered from the use of the Specialised Industry Consultants / Cardiac Safe website and our Terms and Conditions of Sale regarding purchasing products online.

PLEASE READ ALL THESE TERMS AND CONDITIONS CAREFULLY AS USE OF THIS WEBSITE
CONSTITUTES FULL ACCEPTANCE OF THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY.

For purposes of this document, “Specialised Industry Consultants / Cardiac Safe ” (“us”, “we”, “our” etc) shall include Specialised Industry Consultants / Cardiac Safe and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents, and representatives, and any third-party providers or sources of information or data.

All terms and conditions listed on this website are governed by and construed in accordance with the laws of Queensland, Australia and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Queensland, Australia. If any provision of the terms and conditions listed on our website is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the terms and conditions, which will continue in full force and effect. If you access this website in a jurisdiction other than Queensland, Australia, you are responsible for compliance with the laws of that jurisdiction, to the extent that they apply. Specialised Industry Consultants / Cardiac Safe makes no representations that the content of this website complies with the laws of any state or country outside Queensland, Australia.

All terms and conditions listed on this website may be amended at any time without notice and your access to this website may be terminated at any time without notice. Your continued use of this website following such amendment of the terms and conditions will represent an agreement by you to be bound by the amended terms and conditions. Where your access to this website is terminated, all disclaimers and limitations of liability set out in the terms and conditions listed on our website will survive. Reference to the “website” includes the whole or any part of the web pages located under the domain name of www.cardiacsafe.com.au (including but not limited to any elements of design, underlying code, text, sounds, graphics, animated elements or any other content).

If any part of the terms and conditions listed on this website are found to be void, invalid, unlawful, or unenforceable then that provision or part will be deemed to be severed from the terms and conditions listed on this website and the remaining terms and provisions of the terms and conditions listed on this website will remain in force and constitute the agreement between you and Specialised Industry Consultants / Cardiac Safe .

If Specialised Industry Consultants / Cardiac Safe merges, sells, or otherwise change control of its business or this website to a third-party, Specialised Industry Consultants / Cardiac Safe reserves the right, without giving notice or seeking consent, to transfer or assign the personal information, content, and rights that Specialised Industry Consultants / Cardiac Safe has collected from you and any agreements it has made with you.

The failure by Specialised Industry Consultants / Cardiac Safe to exercise or enforce any right or provision under the terms and conditions listed on the website will not constitute a waiver of such right or provision. Any waiver of any provision under the terms and conditions listed on this website will only be effective if it is in writing and signed by Specialised Industry Consultants / Cardiac Safe .

Use of Material on the Specialised Industry Consultants / Cardiac Safe Website

The information, artwork, logos, text, video, audio, or pictures (collectively, “Materials”) contained on this website are protected by copyright laws. You acknowledge that any intellectual property rights of these Materials are owned by Specialised Industry Consultants / Cardiac Safe or applicable third parties, and that they remain the property of their respective owners and must not be used in any manner without the prior written consent of the owner. These intellectual property rights are protected by Australian and international laws and nothing contained on this website is to be interpreted as a recommendation to use any information on this website in a manner which infringes the intellectual property rights of any person. Specialised Industry Consultants / Cardiac Safe makes no representations or warranties that your use of the information on this website will not infringe such intellectual property rights.

You may view the Specialised Industry Consultants / Cardiac Safe website for personal and non commercial use only and subject to the Copyright Act 1968 (Cth) and similar legislation, you may not in any form or by any means reproduce, modify, distribute, store, transmit, publish or display within another website, or create derivative works from any part of this website, or commercialise any information obtained from any part of this website without the prior written consent of Specialised Industry Consultants / Cardiac Safe or, in the case of third party material, from the owner of the copyright of that material. You may not link directly to any file located on the Specialised Industry Consultants / Cardiac Safe website, and you should not attempt to utilise any of Specialised Industry Consultants / Cardiac Safe ’s content as your own work.

You agree that you will not engage in any activity that interferes with this website or the servers that host this website. You agree not to circumvent, disable, or otherwise interfere with security-related features of this website. You understand and agree that any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities.

Specialised Industry Consultants / Cardiac Safe appreciates any suggestions (or “unsolicited ideas”) you may have regarding any aspect of this website or our products and services. If you communicate with Specialised Industry Consultants / Cardiac Safe in any manner including but not limited to verbally, website contact form, or social media, your communications will not be regarded as confidential and will become the property of Specialised Industry Consultants / Cardiac Safe . You automatically grant an irrevocable, perpetual, non-exclusive, royalty-free, world-wide licence to Specialised Industry Consultants / Cardiac Safe to use, copy, display, and distribute the content of your communication and to prepare derivative works of the content or incorporate the content into other works in order to publish and promote such content without restriction or any obligation to compensate you. This may include, but is not limited to, publishing testimonials on this website and developing your ideas and suggestions for improved products and services.

Sites Linked from the Specialised Industry Consultants / Cardiac Safe Website

The Specialised Industry Consultants / Cardiac Safe website may contain links to other websites, content, or resources which are owned or operated by third parties. Such sites linked from the Specialised Industry Consultants / Cardiac Safe website are not under Specialised Industry Consultants / Cardiac Safe ’s control, and Specialised Industry Consultants / Cardiac Safe does not assume any responsibility or liability for any communications or materials available at such linked sites. Specialised Industry Consultants / Cardiac Safe does not intend links on this website to be referrals or endorsements of the linked entities and these links are provided for user convenience only. You access linked websites at your own risk. Subject to any non-excludable rights, Specialised Industry Consultants / Cardiac Safe disclaims all warranties, express and implied, as to the accuracy, value, legality or otherwise of any materials or information contained on linked websites. You should carefully review the terms of use and privacy policies of all other party’s websites that you visit.

The Specialised Industry Consultants / Cardiac Safe website may also feature or display third party advertising or content. Specialised Industry Consultants / Cardiac Safe does not intend the featuring or displaying of such advertising or content links on this website to be referrals or endorsements of the content and the content is provided for user convenience only. Specialised Industry Consultants / Cardiac Safe may promote, advertise, or sponsor events, competitions, or other activities which may be conducted online or offline and which may be conducted by third parties. These activities may be subject to separate terms and conditions. You participate in any such activities entirely at your own risk. Specialised Industry Consultants / Cardiac Safe does not accept any responsibility in connection with your participation in activities conducted by any other party.

Specialised Industry Consultants / Cardiac Safe reserves the right to prevent third parties from linking to this website.

Disclaimer

The services, information, or data (collectively, “Information”) made available at the Specialised Industry Consultants / Cardiac Safe website are provided “AS IS”, without warranties or guarantees of any kind, express or implied. Photographs are for illustrative purposes only and may vary from goods depicted or described. Images of goods published in this website without any advertised price beside that image are not offered for sale. Specialised Industry Consultants / Cardiac Safe expressly disclaims any representations and warranties or guarantees, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. Specialised Industry Consultants / Cardiac Safe shall have absolutely no liability in connection with the services including but not limited to; any liability for damage to your computer hardware, data, information, Materials and business resulting from the Information or the lack of information available on the Specialised Industry Consultants / Cardiac Safe Website.

The use of this website is at your sole risk. Specialised Industry Consultants / Cardiac Safe shall have no liability for:

  • any loss or injury caused, in whole or in part, by its actions, omissions, or negligence, or for contingencies beyond its control, in procuring, compiling, or delivering the Information;
  • any errors, omissions, or inaccuracies in the Information regardless of how caused, or delays or interruptions in delivery of the Information; or
  • any decision made or action taken or not taken in reliance upon the Information furnished hereunder.

Specialised Industry Consultants / Cardiac Safe may at any time add or remove Material or Information from this website without notice. Specialised Industry Consultants / Cardiac Safe makes no warranty, representation, or guarantee as to the content, sequence, accuracy, timeliness, or completeness of the Information or that the Information may be relied upon for any reason. Specialised Industry Consultants / Cardiac Safe makes no warranty, representation, or guarantee that the Information will be uninterrupted or error free or that any defects can be corrected. Neither Specialised Industry Consultants / Cardiac Safe nor any third party will be liable for any errors in content, or for any actions you take in reliance on them. You nor any other person may hold Specialised Industry Consultants / Cardiac Safe liable for any delays, inaccuracies, errors or omissions in respect of such content, the transmission or delivery of such content or any loss or damage arising from any of them.

Specialised Industry Consultants / Cardiac Safe may in its sole discretion limit or restrict your access to this website at its discretion and without prior notice to you. If Specialised Industry Consultants / Cardiac Safe does this, you may be prevented from accessing all or parts of the website, your account details, or other content contained in your account. Specialised Industry Consultants / Cardiac Safe will not be liable to you or any third party for doing so. Further, for security, technical, maintenance, legal, or regulatory reasons, or due to any breach of these terms, Specialised Industry Consultants / Cardiac Safe may withdraw this website, or change or remove website functionality at any time without notice to you.

You agree to indemnify Specialised Industry Consultants / Cardiac Safe and other persons involved in the creation of this website from all damages, losses, penalties, fines, expenses, and costs (including legal costs) which arise out of or relate to your use of this website, any information that you provide via this website, or any damage that you may cause to this website. This indemnification includes, without limitation, liability relating to copyright infringement, defamation, invasion of privacy, and trade mark infringement.

Although Specialised Industry Consultants / Cardiac Safe uses its best endeavours to confirm the accuracy of any information published on this website, you agree that Specialised Industry Consultants / Cardiac Safe cannot be held responsible for inaccuracies or errors caused by incorrect information supplied to Specialised Industry Consultants / Cardiac Safe by third parties or third parties changing product specifications without notice to Specialised Industry Consultants / Cardiac Safe . You agree to make your own enquiries to verify information provided and to assess the suitability of products before you purchase.

Information published on this website is provided as a recommendation and for general information purposes only and current at the time of first publication. It is not legal, medical, or other professional advice or intended to be comprehensive. You are responsible for determining the validity, quality, and relevance of any Information provided and to take appropriate independent advice before acting or relying on any of it to ensure that it meets your particular requirements. You should report any error or omission via our online contact form.

Given the nature of the internet, Specialised Industry Consultants / Cardiac Safe cannot guarantee that any data transmission is totally secure, free from viruses, or other conditions which could damage or interfere with your computer systems and Specialised Industry Consultants / Cardiac Safe does not warrant that your access to the website will be uninterrupted, error free, or that any defects will be corrected. Whilst Specialised Industry Consultants / Cardiac Safe take precautions to protect information, Specialised Industry Consultants / Cardiac Safe does not warrant and cannot ensure the security of any content or information you transmit via the website. You therefore transmit to the website at your own risk. If you become aware of any problems with the security of the website, please contact us immediately.

You must also take your own precautions to ensure that your access the website does not expose you to the risk of viruses, malicious computer code, or other forms of interference which may damage your own computer system. Specialised Industry Consultants / Cardiac Safe will not accept any responsibility for any interference or damage to your own computer system which arises in connection with your use of this website or any linked website.

Limitation of Liability

Under no circumstances shall Specialised Industry Consultants / Cardiac Safe be liable for any losses or damages whatsoever, whether in contract, tort or otherwise, from the use of, or reliance on, the Information, or from the use of the Internet generally.

Specialised Industry Consultants / Cardiac Safe will not be liable for any delay in performing any of our obligations if such delay is caused by circumstances beyond our reasonable control, including but not limited to, failure of or interruption in the provision of essential services such as electricity supply, bank payment systems, or postal deliveries.

 

Privacy Policy

At Specialised Industry Consultants / Cardiac Safe we aim for the highest level of client service and satisfaction and to comply with the Privacy Act 1988, the Privacy Amendment (Enhancing Privacy Protection) Act 2012 (“Act”) and the Australian Privacy Principles. As such we have stringent policies in place to ensure the utmost respect for your online as well as offline security and privacy. To adhere to our policies we will never trade your information. Our only purposes for storing your information are:

  • identification and correspondence between Specialised Industry Consultants / Cardiac Safe and its authorised representatives and you; and
  • assessment of our websites.

Specialised Industry Consultants / Cardiac Safe must disclose information when we believe, in good faith, that the disclosure is either necessary to prevent a threat to life or health, authorised or required by law, reasonably necessary to enforce the law or necessary to investigate a suspected unlawful activity. We may also provide your personal information to third parties as outlined in this privacy policy.

You must read this Privacy Policy before providing us with any personal information or using the Specialised Industry Consultants / Cardiac Safe website. By providing us with your personal information and using the Specialised Industry Consultants / Cardiac Safe website, you are confirming your agreement to the policies and procedures described in this Privacy Policy.

Personal Information

Specialised Industry Consultants / Cardiac Safe does not collect personally identifying information about any individual at any of its websites, except when knowingly provided by such individual. This is done via voluntary submission and you always have the option not to provide the information we request. There is no obligation for you to provide us with any of your personal information but if you choose not to, we may not be able to provide the information, goods or services that you require.

Depending on the exact nature of our relationship with you, we may request that you provide some or all of the following information:

  • personally identifying information including but not limited to your name, home address, date of birth, driver’s licence;
  • contact information including but not limited to your phone number/s, email address, mailing address; and
  • product or services preference information.

We may collect this information in varying ways:

  • directly from you in person or over the phone;
  • when you interact with the Specialised Industry Consultants / Cardiac Safe website in any way including but not limited to placing an order; or
  • from other third party sources.

Wherever possible, we will collect personal information directly from the relevant individual to whom that information relates. You represent and warrant to us that where you provide personal information to us, you are authorised to provide the information to us, and the information provided is your personal information only.

Use of Your Information and Material

When supplying Specialised Industry Consultants / Cardiac Safe with personal information, you are sharing that information, when necessary, with Specialised Industry Consultants / Cardiac Safe and its staff as well as third parties providing other services for Specialised Industry Consultants / Cardiac Safe . If you do not want your information to be shared, you can choose not to allow the transfer of your information by not using that particular service. Specialised Industry Consultants / Cardiac Safe appreciates any suggestions (or “unsolicited ideas”) you may have regarding any aspect of this website or our products and services. If you communicate with Specialised Industry Consultants / Cardiac Safe in any manner including but not limited to verbally, website contact form, or social media, your communications will not be regarded as confidential and will become the property of Specialised Industry Consultants / Cardiac Safe . You automatically grant an irrevocable, perpetual, non-exclusive, royalty-free, world-wide licence to Specialised Industry Consultants / Cardiac Safe to use, copy, display, and distribute the content of your communication and to prepare derivative works of the content or incorporate the content into other works in order to publish and promote such content without restriction or any obligation to compensate you. This may include, but is not limited to, publishing testimonials on this website and developing your ideas and suggestions for improved products and services.

Specialised Industry Consultants / Cardiac Safe may use your personal information for many legitimate reasons, including but not limited to:

  • creating and maintaining a client account with Specialised Industry Consultants / Cardiac Safe ;
  • offering and providing products or services to you;
  • facilitating and processing your orders and payments;
  • responding to your queries or requests, managing customer complaints, or requesting feedback;
  • providing to third party suppliers or deliverers of our goods or services as required;
  • providing to third party banking, fraud protection, or medical providers as required;
  • sending a regular newsletter about our products or services;
  • sending information about an event, sponsorship, or special offer on our products or services or those of our third party service providers;
  • preventing fraud or other criminal activities;
  • assisting us to improve our products and services including but not limited to staff training, record keeping, debt collection, product and services development , planning and research; and
  • complying with our legal obligations and providing to regulatory bodies or law enforcement agents for legal and security purposes.

Browser Level Information & Cookies

Specialised Industry Consultants / Cardiac Safe web servers automatically collect information about a site user’s IP address, browser type and referrer. This information is provided by every user’s browser and is automatically logged by most websites. We collected this information in a database and it is used in an aggregated and anonymous manner in our internal analysis of traffic patterns within our websites.

A cookie is a small data file that most websites write to your computer’s hard drive when you visit such sites. A cookie file can contain information, such as a user session code, that the site uses to track the pages you have visited in an anonymous manner and keeps session information so your online transactions are accurate. Specialised Industry Consultants / Cardiac Safe may use cookies solely to track user traffic patterns throughout our websites and to allow you access to certain sections of the site.

We use this data on a totally anonymous basis and we do not correlate this information with personal data of any user. Most internet browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from our website, you may not be able to use certain features.

Mass Email

We may send emails to those receiving one of our services and/or those registered at our website. These emails may be regarding things such as service status, new products and services and promotions etc. You can always choose to opt-out of such lists at any time by sending an unsubscribe email in reply to the email you received or contacting us via this website.

Terms and Conditions 

Privacy Statement

* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
† Lender rates are displayed on an annualised basis and net of applicable fees, based on last matched rates. Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. See our Product Disclosure Statement for further details.
The information contained on this website should not be taken as financial product advice and has been prepared as general information only without consideration for your particular investment objectives, financial circumstances or particular needs. You should read the RateSetter Lending Platform Product Disclosure Statement before making any decision about your investment choices. Information on this website is intended for residents of Australia only.
By accessing or using this website or the RateSetter Lending Platform you agree to be bound by our Terms and Conditions.
RateSetter Australia RE Limited ABN 571 666 466 35 holds Australian financial services licence number 449176 and Australian credit licence number 449176. Read more about our legal compliance.
RateSetter is a trademark of Retail Money Market Limited (United Kingdom company number 7075792), used under licence. Copyright © 2016 RateSetter Australia Pty Ltd. All rights reserved. 
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