Website Terms & Conditions

Operator of the Website

This site is owned and operated by AGAPE Finance Pty Ltd ABN 44677498225 and its related bodies corporate (we, us and our).

Credit Representative

PINGLI ZHANG CRN 559444 of Finsure Finance & Insurance Pty Ltd ABN 72 068 153 926 ACL 384704.

General Statement

The following Terms and Conditions regulate your use of our website. Please read these Terms & Conditions carefully before accessing our website.

Your access to or use of this website is conditional upon your acceptance and compliance with the terms, conditions, policies and disclaimers contained on this page and elsewhere on the site (“general conditions”). Your access to the site constitutes your agreement to be bound by the general conditions.

The provision by AGAPE Finance, its affiliates and suppliers of the data, information and services on our site to you is expressly conditioned on your acceptance (without modification) of the terms and conditions contained herein. Your use of our website constitutes your agreement to all such terms and conditions. The materials and information on our website are provided to give you general guidance in the operation of our finance brokerage services. AGAPE Finance and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on our website. Whilst AGAPE Finance takes reasonable steps to keep the information on our website accurate, complete and up-to-date, AGAPE Finance and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information.

AGAPE Finance considers privacy of paramount importance and no attempt is made to identify you, unless you expressly choose to do so. You are aware that your use of our website is monitored. This is undertaken to improve our website, and to make your visit to our website a more relevant experience.

AGAPE Finance reserves the right to amend the general conditions at any time and you should periodically refer to them on this page and elsewhere on the site.

Your Personal Information

We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with this website. Our Website Privacy Policy may change from time to time.

 Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information, it will also be captured and stored.

Information from third parties

Our website may contain links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company may use ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

  • the server your computer is logged onto;

  • your browser type;

  • the date and time of your visit; and

  • the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

 Cookies

 We use ‘cookies’ to provide you with better and more customised service and with a more effective website.

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;

  • to customise our website for you;

  • for statistical purposes;

  • to identify if you have accessed a Third Party website; and

  • for security purposes.

 IP addresses

Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website.

 

“Let’s discuss your needs” and “Let’s work together” Form

AGAPE Finance provides a useful and simple method for visitors to the website to contact AGAPE Finance. By using this service, you understand and agree that:

  • The information provided will only be used for the purpose to which it was requested and its use subject to the Website Privacy Policy.

  • For a response to be provided, contact information must be provided.

  • AGAPE Finance will respond within 5 business days.

Security of information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request to catherine@agapefinance.com.au. We will respond to your request as soon as practicable.

Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

Copyright

The copyright in the content is owned by AGAPE Finance, its suppliers and/or licensors unless specifically indicated otherwise on the Website. The content is protected by Australian and international copyright and trademark laws and is supplied for information use only. Except as explicitly provided for above and separately from any fair dealing permitted under the Copyright Act 1968, AGAPE Finance grants visitors to the Website a license to download, display, print and reproduce this material for private use or within your organisation, for non-commercial purposes only. No license to republish, transmit, reproduce, communicate, modify, commercialise or alter this material is granted without their written permission.