ANZ website terms of use

This is a website operated by Australia and New Zealand Banking Group Limited ( ABN 11 005 357 522 ) ("ANZ") under the domain name "www.anz.com" ("ANZ website"). The ANZ website is operated on behalf of ANZ and its related bodies corporate (together called the "ANZ Group")

Your access to and use of the website and the information, graphics and materials on the ANZ website ("Material on this website") is governed by these terms of use and the privacy and security statement.

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The ANZ website may contain links to other websites operated by third parties ("Third Party websites"), which may include information, graphics and other materials (“Third Party Material”).

Subject to any applicable law which cannot be excluded, the ANZ Group 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 websites; or
• that Third Party Material does not infringe the intellectual property rights of any person. ANZ is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on the ANZ website, material at a Third Party website may be displayed in your browser framed by Material on this website. This framed 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 websites are the responsibility of and given by the Third Party website operator. In so far as such offers and statements are made on the ANZ website, such offers and statements are made by the ANZ Group on behalf of the operator of the Third Party website. The ANZ Group expressly disclaims acting in any other respect on behalf of Third Party website operators.

ANZ may receive payments from operators of Third Party websites in relation to goods or services supplied by the operator as a result of you linking to the Third Party website from the ANZ website.

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Unless otherwise indicated software downloads available via links from the ANZ website 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, the ANZ Group accept no liability in respect of such third party products and the ANZ Group provide 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.

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Material on this website may contain general information about ANZ Group products and services and does not, unless otherwise stated, constitute an offer or inducement to acquire those products and services.

Unless expressly agreed otherwise:

• products and services discussed in the section of the ANZ website which refers to the Australian operations of any ANZ Group member (the "Australian Section") are designed and intended to be used only by Australian residents. Unless otherwise stated, these products and services are generally not available to non-Australian residents because they may not comply with non-Australian laws; and
• unless otherwise stated, products and services discussed in the sections of the ANZ website which refer to the various non-Australian operations of any ANZ Group member or discussed in websites operated by any ANZ Group member outside Australia and linked to the ANZ website (the "International Sections") are designed and intended to be used only by residents of the jurisdiction to which a particular International Section applies, and only to the extent that those products and services comply with the laws of that jurisdiction.

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The ANZ Group does not guarantee that the ANZ website or Third Party websites will be free from viruses, or that access to the ANZ website or Third Party websites will be uninterrupted.

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Subject to any responsibilities implied by law and which cannot be excluded, no member of the ANZ Group is liable to you for any loss or damage as a result of you relying on any Material or being unable to access this website, except for loss or damage caused by ANZ Group's negligence, fraud or wilful misconduct.

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Unless expressly agreed otherwise:

• the Australian section is provided for use only by Australian residents. The law applicable to use of the Australian section and to disputes arising out of the Australian section is the law of the State of Victoria, Australia; and
• each International Section is provided for use only by residents of the jurisdiction to which that International Section applies. The law applicable to use of each International Section and to disputes arising out of the International Section is the law of that jurisdiction.

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Copyright in the material on this website is owned or licensed by the ANZ Group.

Except where necessary for viewing the Material on this website 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 website 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 ANZ Group.

"ANZ", and all associated trademarks, are trademarks of Australia and New Zealand Banking Group Limited.

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Please contact ANZ if you would like to place a link to any part of the ANZ website.

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You acknowledge and accept that your use of the ANZ website indicates your acceptance of these terms of use and the privacy and security statement.

ANZ may at any time vary the terms of use by publishing the varied terms of use on the ANZ website. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.

ANZ reserves any rights not expressly granted in these terms of use.

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