Terms and Conditions

Terms of Use

These terms of use ("Terms") govern your use of the Zorba Financial Services Pty Limited web site, zorba.com.au and any linked pages ("web site"). Your use of this web site will mean you accept these Terms.

The material contained on this web site is protected by copyright. You may use this web site only for your personal and non-commercial purposes. Except to the extent permitted by relevant copyright legislation, you must not use, copy, modify, transmit, store, publish or distribute the material on this web site, or create any other material using material on this web site, without obtaining the prior written consent of Zorba Financial Services.

Trade marks (whether registered or unregistered) and logos must not be used or modified in any way without obtaining the prior written consent of Zorba Financial Services.

The web site, products, technology and processes contained in this web site may be the subject of other intellectual property rights owned by Zorba Financial Services or by third parties. No licence is granted in respect of those intellectual property rights other than as set out in these Terms. Your use of this web site must not in any way infringe the intellectual property rights of any person.

This web site may contain links to, or frame, web sites of third parties ("external sites"). Zorba Financial Services is not required to maintain or update the links.

Links to, or framing of, external sites should not be construed as any endorsement, approval, recommendation or preference by Zorba Financial Services of the owners or operators of the external sites, or for any information, products or services referred to on the external sites unless expressly indicated on this web site.

Zorba Financial Services makes no warranties and accepts no liability in relation to material contained on external sites.

For the protection of our members, we provide a secure user authentication and password encrypted system that protects the areas of the website that contain confidential information. Zorba Financial Services makes no warranty in respect of the strength or effectiveness of the authentication and Zorba Financial Services is not responsible for events arising from unauthorised access of the information you provide.

Browser Requirements

In order for the secure service to be used you must be using one of the following supported browsers

Internet Explorer 5+
Netscape Comunicator 7+

Other browsers may also support secure transactions. Please see your browser's documentation for details. If you are unsure, you may click on the link below to test your browser and proxy server configuration. If you do not receive a response from our server then unfortunately you will also be unable to access our secure services .

Cookies are small pieces of data stored on the web browser on your computer. Any web server (including this one) may:

• Store one or more cookies in your browser;
• Request your browser to transmit this data back to the web server; or
• Request your browser to transmit a cookie that has been stored on your browser by another site within the same internet domain. For example, all servers in the domain zorba.com.au may retrieve a cookie set by the web server zorba.com.au

This web site may store cookies on your web browser in order to improve service for you on your subsequent visits to this web site.

By using cookies, web sites can track information about visitors' use of the site and provide customised content. Most web browsers can be configured to notify the user when a cookie is received, allowing you to either accept or reject it. You may also inspect the cookies stored by your web browser and remove any that you do not want.

If you disable the use of cookies on your web browser or remove or reject specific cookies from this web site or linked sites, then you may not be able to gain access to all the content and facilities of this web site.

Except where to do so would cause any part of these Terms to be illegal, void or unenforceable, Zorba Financial Services:

• Excludes all conditions and warranties implied into these Terms;
• To the fullest extent permitted by applicable law, is not liable to you or anyone else for any loss or damage, however caused (including negligence), which may be directly or indirectly suffered, in connection with use of this web site; and
• Excludes liability (whether that liability arises under contract, tort (including negligence) or statute) for any special, indirect or consequential loss or damage (including without limitation loss of revenue and loss of, or damage to, data) suffered or incurred in connection with this web site.

Without limiting the general disclaimer, Zorba Financial Services:

• Makes no warranty as to the completeness or accuracy of any material or as to its merchantability or fitness for a particular purpose. Zorba Financial Services is not liable to you or anyone else if errors occur in the information on this web site or if that information is not up-to-date;
• Will not be liable for disruptions to this web site; and
• Is not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with use of this web site or an external site. You must take your own precautions to ensure that whatever you select for use from this web site is free of viruses or anything else that may interfere with or damage the operation of your computer systems.