Terms of Use
Effective Date: 01/07/2024
Welcome to www.ctmlending.co.au (the “Site”). These Terms of Use (“Terms”) govern your access to and use of the Site, including any content, functionality, and services offered on or through the Site. By accessing or using the Site, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.
1. Acceptance of Terms
By using the Site, you affirm that you are of legal age to enter into these Terms and that you agree to comply with all applicable laws and regulations. If you are using the Site on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.
2. Changes to Terms
We reserve the right to modify or update these Terms at any time in our sole discretion. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site after the posting of revised Terms means that you accept and agree to the changes.
3. Use of the Site
- Permitted Use: You may use the Site for your personal, non-commercial use and for lawful purposes only.
- Prohibited Use: You agree not to:
- Use the Site in any way that violates applicable laws or regulations.
- Engage in any conduct that could damage, disable, overburden, or impair the Site.
- Use any automated means to access the Site for any purpose without our express written consent.
- Attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site.
- Use the Site to transmit any unsolicited commercial communications.
4. Intellectual Property
- Ownership: The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by CTM Lending, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
- Limited License: You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial purposes. This license does not include any right to modify, reproduce, distribute, or create derivative works of the Site or any of its content.
5. Disclaimers
- No Warranty: The Site is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, or materials included on the Site. To the fullest extent permissible by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.
- Limitation of Liability: In no event shall CTM Lending, its affiliates, or their respective directors, officers, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the Site.
6. Third-Party Links
The Site may contain links to third-party websites that are not owned or controlled by CTM Lending. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we are not responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites.
7. Indemnification
You agree to indemnify, defend, and hold harmless CTM Lending, its affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], Australia, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or related to these Terms or the Site shall be instituted exclusively in the federal or state courts located in [Insert City, State].
9. Termination
We reserve the right to terminate or suspend your access to all or part of the Site, without notice, for any conduct that we, in our sole discretion, believe is in violation of these Terms or any applicable law or is harmful to the interests of another user, CTM Lending, or its affiliates.
10. Severability
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.
11. Entire Agreement
These Terms constitute the entire agreement between you and CTM Lending with respect to the Site and supersede all prior or contemporaneous communications and proposals, whether oral, written, or electronic, between you and CTM Lending.
12. Contact Us
If you have any questions about these Terms, please contact us at:
CTM Lending
1/190 Tower Street, Panania
Email: team@ctmlending.com.au
Phone: 0466 290 057
