About this web site

This is a web site operated by Ingenero Pty Ltd (ABN 11 128 563 468) ("INGENERO") under the domain name "www.Ingenero.com.au" ("INGENERO Web Site"). The INGENERO Web Site is operated on behalf of INGENERO and related companies (together called "INGENERO").

Your use of the information, graphics and materials on the INGENERO Web Site ("Material on this web site") is governed by these Terms of Use and the Privacy and Security Statement.

In addition to the terms contained in this document, there are also specific terms which form part of the Terms of Use and govern your use of, and access to, certain sections of the INGENERO Web Site. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the INGENERO Web Site.

Links to other web sites

The INGENERO Web Site may contain links to other web sites operated by third parties ("Third Party Web Sites"). INGENERO does not endorse, or approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Web Sites ("Third Party Material").

Subject to any applicable law which cannot be excluded, INGENERO makes no warranties or representations:

• regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Web Sites; or
• that Third Party Material does not infringe the intellectual property rights of any person.

INGENERO is not authorising the reproduction of Third Party Material by linking Material on this web site to Third Party Material.

When you follow a link on the INGENERO Web Site, material at a Third Party Web Site may be displayed in your browser framed by Material on this web site. This material is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party Web Sites are the responsibility of and given by the Third Party Web Site operator. In so far as such offers and statements are made on the INGENERO Web Site, such offers and statements are made by INGENERO on behalf of the operator. INGENERO expressly disclaims acting in any other respect on behalf of Third Party Web Site operators.

INGENERO may receive payments from operators of Third Party Web Sites in relation to goods or services supplied by the operator as a result of you linking to the Third Party Web Site from the INGENERO Web Site.

Third Party Software

Unless otherwise indicated downloads available via links from the INGENERO Web Site are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, INGENERO accepts no liability in respect of such third party products and INGENERO provides no warranty and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.

INGENERO Product Information and Supply

Material on this web site may contain general information about INGENERO products and services. Unless expressly stated otherwise, this information:

• does not constitute an offer or inducement to enter into a legally binding contract; and
• does not form part of the terms and conditions for INGENERO products and services.

For further information about a particular product or service please complete an online quote or contact us.

All applications for credit are subject to the conditions and approval criteria of the relevant financial services provider.

Unless expressly agreed otherwise:

• products and services discussed in any section of the INGENERO Web Site, refers to the Australian operations of INGENERO and will be provided only to Australian residents. These products and services are generally not available to non-Australian residents.

Warranties

While we have made every effort to ensure that information is free from error, INGENERO does not warrant the accuracy, adequacy or completeness of Material on this web site. All information is subject to change without notice. INGENERO recommends that you seek independent advice before acting upon Material on this web site or Third Party Material. INGENERO  does not guarantee that the INGENERO Web Site or Third Party Web Sites will be free from viruses, or that access to the INGENERO Web Site or Third Party Web Sites will be uninterrupted.

Finance offers

Finance offers on the INGENERO web site are provided by MCU Sustainable Banking. MCU Ltd ABN 52 087 650 995, AFSL 246921, acts under its own AFSL. A Product Disclosure statement is available from any office of MCU Ltd. Visit MCU Sustainable Banking Here. You should consider the MCU Ltd PDS in deciding whether to buy or hold this product.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, INGENERO is not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on the INGENERO Web Site or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of INGENERO for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at INGENERO's option, to:

• the supply of the goods or services again;
• the repair of the goods; or
• the payment of the cost of having the goods or services supplied again or repaired.

Termination

These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the INGENERO Web Site) and your access to the INGENERO Web Site may be terminated at any time by INGENERO without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by the INGENERO Group will survive termination, however, you will no longer be authorised to access the INGENERO Web Site.

Jurisdiction

Unless expressly agreed otherwise:

• the INGENERO web site is provided for use only by Australian residents. The law applicable to use of the Australian section and to disputes arising out of the INGENERO web site is the law of the State of Queensland, Australia.

Copyright and Trademarks

Copyright in the Material on this Web Site is owned or licensed by INGENERO.

Except where necessary for viewing the Material on this web site on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of the INGENERO.

"INGENERO", and all associated trademarks, are trademarks of Ingenero Pty Ltd.

Linking to INGENERO Web Site

Please contact INGENERO if you would like to place a link to any part of the INGENERO Web Site.

Acceptance and Changes to Terms of Use

You acknowledge and accept that your use of the INGENERO Web Site indicates your acceptance of these Terms of Use and the Privacy and Security Statement.

These are the current Terms of Use. They replace any other terms of use for the INGENERO Web Site published on the INGENERO Web Site to date. INGENERO may at any time vary the Terms of Use by publishing the varied Terms of Use on the INGENERO Web Site. You accept that by doing this, INGENERO has provided you with sufficient notice of the variation.

INGENERO reserves any rights not expressly granted in these Terms of Use.

Date of Publication - 20th August 2010 - Version 4

Adobe and Acrobat Reader are trademarks of Adobe Systems Incorporated.