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Terms and Conditions
Please read these Terms and Conditions carefully before using the Adam Smith Website. Please note that these Terms may change without notice and by accessing, browsing or using the Website you will be deemed to have agreed to them. By continuing to use the Website after reading the Terms you will have agreed to be bound by the Terms and Conditions.

The Privacy Policy forms part of the Terms and Conditions. This Website is owned and operated by DataSafeApps a division of ABC Advantage Pty Ltd ABN 63 146 958 429 and Australian Credit Licence Number 391326. 

Privacy
We may collect personal information which is necessary, or directly related to, our purposes. For more information about those purposes, please refer to our Privacy Policy. We may collect information, on pages in our site. To ensure our editorials and content we are supplying to you are of interest, we could monitor your actions inside the website, this may include email and links you may click on. This website analysis, may includes collating information related to your use of the site in forms, emails and links.

Sensitive information
If you elect to provide sensitive information it may be stored only when and where you have agreed to it. We will not ask you to supply sensitive information via the website. The collecting and storing of this sensitive information, will be determine by the information being reasonably required for our purposes, we have outlined in the Privacy Policy.

Information from Third Parties
Our Site does not contain links to other websites or third party providers of goods and services. If you were to access a Third-Party website from our Site, the information you have provided will not be shared.

Advertising and tracking
We do not use links to third party websites or collect your information for any commercial use or information of any kind.
We may use third party service providers to track your website usage, or behavior, while on our website. This process is useful in providing us with information to establish better communication or organisation of our website.

Cookies
We do not use cookies on this site.
Our service providers may use cookies for different purposes, to establish:
-unique communication with you via your internet browsers; by modifying the Website for you.
-statistical and/or behavior analysis in using the Website; and
-security purposes.
By using this website, you consent to our third party suppliers collecting information about your connections and access.

Enquiry
We do not retain on our website any personal information about you.

We will not be responsible for:
- the Websites failing o perform
- delay in its performance due to our obligations under this policy that is caused by any act or event
beyond our control, including failure of unrelated public and private telecommunications networks;
      - any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material
that may infect your electronic devices, your data or any proprietary applications; or
- third parties accessing/hacking your account due to your failure to ensure adequate security of
access to the Site from your computer or mobile device. 

Security of information
Browsers should indicate if a site is secure or not. We treat any of your information with the highest security. We constantly review the quality of our security and the encryption process and technology. internet connection ca not be classified as totally secure, and we take reasonable steps to protect all information in our website and with our technology. This includes stealing, abuse, tampering, loss, and unauthorised use. We take all reasonable steps to maintain and secure third party information and any personal information in accordance with our Security and Privacy policies. You agree and understand that any information you send from our Website may be read or intercepted by others. All content and services available in or via our Website do not make representation or give any warranty or guarantee. By continuing to use the Website, you shall indemnify us against any claims or liabilities that make you liable as a result of any breaches you make of this Terms and Conditions policy. You also agree that using the Website, you are completely responsible for the security and access to the Site by third parties. 

Direct marketing
We will not use or disclose any information about you to a direct marketing business. Please contact us on 1300 12 1300 if you would like further information.

Disclosure to overseas entities
We do not disclose personal information to overseas entities in the course of our activities. Please contact us on 1300 12 1300 if you would like further information.

Trademarks and copyright
All copyright, trade marks and intellectual property rights in the website, included software and source codes connected with the Site ("Intellectual Property") are owned by ABC Advantage Pty Ltd or its related businesses. Any use of the Intellectual Property without ABC Advantage Pty Ltd express permission will be deemed illegal.

User Responsibilities
You agree that you will not use the Website for any purpose that is unlawful and your use will comply with all Australian and International laws and regulations. You will not; use the Website to send span or junk email, including chain letters or unlawful marketing including pyramid schemes. And you will not collect information of third parties by any means (such as robots, spiders or scrapers) without our permission. And you will not transmit or upload any material that contains viruses or any other harmful codes. Or, breach laws of copyright, patent and intellectual property, including proprietary or privacy rights of other party, or post any content that is copyright protected without the owner’s written permission. You will not Interfere with, impair or disrupt the Website, or attempt unauthorised access to any accounts, systems, services or information. You may not restrict or stop users from enjoying this Website. You will not copy and post from our Website for any other public use, including false, misleading, defamatory or discriminatory information. You are forbidden to add or post any racist, threatening, obscene, offensive, graphic, pornographic, indecent, fraudulent or unlawful material on this site. And, you must not misrepresent yourself, any other person, company or organisation.

ABC Advantage reserves the right to take legal action if there are any breaches of our terms and conditions.
You will indemnify ABC Advantage Pty Ltd and related companies, licensees, affiliates and licencors, directors, management, officers, employees, agents and contractors from all loss and damage, claims, demands, suits, liabilities, proceedings or action that may arise or are incurred by you in connection with your use or access of this Website and direct breach of the Terms set out in these Terms and Conditions policy.

Intellectual Property
The contents on our Website, including all brands, logos, images, tags, registered trademarks and designs are the property of ABC Advantage Pty Ltd and subject to copyright trademark and other intellectual property laws.
Unless otherwise indicated, all rights contained in, or used to create or support, the Website, including text, graphics, logos, button icons, photos, videos, audio clips, and navigational and other software are owned and controlled and are reserved by ABC Advantage Pty Ltd. You can copy material for your personal use. But, you are forbidden to republish, copy, reproduce, transmit, distribute, sell, modify, adapt or use any part of the Website in any way, without ABC Advantage Pty Ltd permission.

Termination / Changes 
ABC Advantage may modify, suspend or discontinue all services existing on the Website, or remove, modify, edit all content on the Website without prior notice. ABC Advantage can terminate or suspend a user’s access to the Website at any time and for any reason, without notice. Images are only representational and ABC Advantage reserves the right to replace, change, alter or remove any image at its discretion without limit or prior notice. The liability and indemnity provisions in these Terms and Conditions will survive upon termination of this Website.

Liability
It is your own risk and your responsible when you use this Website. Best endeavours have been applied by ABC Advantage to ensure that the information provided is true and correct at the time of publication and we do not accept responsibility for any error, omission or defect in that information.

ABC Advantage and any affiliate companies and directors, employees, agents and contractors, do not make representations, warranties of any kind as to the operation of the Website or your access to the Website or the result from its access or the information, content, material or products. We do no guarantee that the functions on the Website will not be uninterrupted by any defects or that the server which store and transmit content to you is free of viruses or other harmful components. Nothing in these Terms shall limits or exclude the statutory consumer guarantees provided under the Competition and Consumer Act, including any implied warranties or consumer protection laws in the State and Territories of Australia. Also, the limitations outlined in these Terms will not operate as to be inconsistent with non-excludable Guarantees except for any liability that cannot be excluded, such as the non-excludable Guarantees, ABC Advantage, its officers, management, employees and agents, exclude all terms, conditions, warranties, guarantees and representations, whether express or implied, and exclude all liability in contract, tort (including negligence), or otherwise for loss or damage (whether direct or indirect) in relation to the use, inability to use, or performance of the Website, any information, content, material, products or services made available via the Website, including any error, omission, technical malfunction, delay, interruption, interference, tampering, virus, bug, theft, destruction or unauthorised access to or alteration of the Website, or any damage to any computer or device.

Indemnity
You agree to indemnify ABC Advantage Pty Ltd, its affiliated companies and officers, employees, agents and contractors indemnified, from any claim, liability, loss, damage, cost or expense which we may be uncured as a direct or indirect result of your deliberate or negligent act or omission with your use of the Website or the breaking of the Terms and Conditions by you, including infringement of any intellectual property or the rights of any person or entity.

Governing laws
These Terms are governed by the laws of the State of Queensland, Australia. You unconditionally agree to the exclusive jurisdiction of the Courts of Queensland, Australia.

Links
The Website may provide links or references to other sites or services from other companies, people or entities. ABC Advantage Pty Ltd does not make any representations or endorse these Websites or services. ABC Advantage shall not be liable for any damage or injury relating to access or use of these Websites or services. Your link to off-site pages is at your own risk.

Contact us
If you have any questions, comments, feedback, or complaints regarding these Terms and Conditions, please complete the form available in the ‘Contact Us’ section of the Website, or contact our Privacy Officer:

Postal Address:
The Manager
PO Box 929 Oxenford QLD 4210
or call:
1300 12 1300
or Email:
admin@adamsmithfinance.com.au

We take these matters seriously and we shall respond to any concerns in a prompt manner.

Changes to this policy
This policy is subject to changes without prior notice. We may amend this policy by updating this posting.