Terms & Conditions
1. Website Terms
This 9Saver website located at www.9Saver.com.au (the ‘9Saver Website’) is operated by RevTech Media Pty Ltd ABN 75 150 963 474 (‘9Saver’, ‘we’, ‘our’ or ‘us’). Nine Entertainment Co Pty Limited (ABN 59 122 205 065) (‘Nine Entertainment Co’) is a promoter and partner of the 9Saver Website.
Each time you access or use the 9Saver Website, you confirm that you have read and agree to these terms and conditions (the ‘Terms and Conditions of Use’).
9Saver may from time to time amend, update or change the 9Saver Website and/or these Terms and Conditions of Use without prior notice. You should periodically check the page on the 9Saver Website containing the Terms and Conditions of Use for changes and regularly review the Terms and Conditions of Use. These are the current Terms and Conditions of Use and may replace any other terms and conditions of use previously published for the 9Saver Website.
9Saver reserves the right to assign these Terms and Conditions of Use to any of its respective related bodies corporates or associated entities without notice.
2. Website Access
Your access and use of the 9Saver Website is conditional on you complying with, and not breaching, these Terms and Conditions of Use. We may immediately terminate your access to the 9Saver Website, without notice, if you breach these Terms and Conditions of Use.
Your access to and use of the 9Saver Website is for your personal use only. We do not permit any commercial use of the 9Saver Website without our express written agreement.
Your use of the 9Saver Website is entirely at your own risk and the site is provided on an “as is” basis. We make no representations or warranties as to the availability of the 9Saver Website or that your access to the site will be uninterrupted, timely or secure.
3. Use and Reliance on Website Material
9Saver has taken all reasonable care in producing the 9Saver Website but cannot warrant the accuracy, adequacy or completeness of the website material, nor can 9Saver guarantee that it has all the information you need to answer all of your questions. Further information about any offers on the 9Saver Website can be found by contacting the provider of the particular product or service using the contact details supplied with the relevant offer or link, or by visiting the relevant partner offer or recommended product pages on the 9Saver Website. All product / offer details, rates, terms, conditions and other information are subject to change at any time without notice.
The 9Saver Website and all related content is provided for general information purposes only and should not be considered personal financial advice, legal advice or any other kind of personal advice; nor does 9Saver consider or recommend whether any particular product or offer meets your individual needs and circumstances. For credit and other financial products, we provide general advice only, not personalised recommendations. We do not suggest or recommend that you, personally, apply for any particular loan, credit or other financial services contract or with any particular loan, credit or other financial services provider.
As a user of 9Saver, you understand that it is your responsibility to fully inform yourself of the details of each product, service and offer. We recommend that you obtain from the partners/providers of a product/service/offer displayed or advertised on the 9Saver Website who are financial services providers, lenders and credit service providers, copies of the relevant customer disclosure documents (including financial services guides, product disclosure statements, credit guides and the like). Those documents published by a partner/provider contain the information relevant to the product, service or offer. Seek advice from the partner/provider or from a professional adviser if you require any advice before acquiring a product/service. 9Saver does not provide this sort of advice as part of the services on the 9Saver Website.
In providing any general advice and information on the 9Saver Website, 9Saver has not taken your personal financial circumstances, needs or objectives into account. You should consider these things along with the product details, rates, terms and conditions and make your own proper enquiries and make your own determination yourself as to whether any product, service or offer that is mentioned or linked to on the 9Saver Website or our social media sites is suitable for you and your personal needs and circumstances. If in doubt, you should seek appropriate legal, financial and taxation advice before making any decision.
9Saver does not charge you for using or signing up to 9Saver. 9Saver may earn a commission or fee from the relevant provider (or its intermediary) when a 9Saver member or user takes up a product or service offered by one of 9Saver’s partners. These partner offers are clearly labelled with an * (i.e. an asterisk) when they are mentioned on the 9Saver Website. When our partners make offers available to 9saver members or users via the 9Saver Website, our social media sties, email or other means, their offers are clearly labelled as ‘9Saver Partner Offers,’ as these offers are selected by the relevant partner, not by 9Saver. The range of commissions and fees that 9Saver may be paid depends on the partnership and is detailed in the Financial Services Guide.
You may be required to pay application fees, valuation fees, or other fees to the relevant third-party provider of the product or service if you elect to apply for an offer made available to 9Saver members/users. These fees are not paid to 9Saver.
4. Intellectual Property
All the information, graphics and material contained on the 9Saver Website (the ‘9Saver Material’) and all the underlying source code and software, is owned by, or licensed to, 9Saver (i.e. meaning RevTech MediaPty Ltd, for avoidance of doubt). The 9Saver Material is protected by copyright, trademark and other intellectual property laws and you agree not to do anything that would infringe 9Saver’s intellectual property rights in the 9Saver Material and 9Saver Website.
“9Saver” is a trademark of Nine Entertainment Co Pty Limited. All other trademarks, registered trademarks, product names, logos and company names mentioned on the 9Saver Website are displayed under licence from the owner or displayed with permission of the owner. Those third-party marks, logos and names remain the property of their respective owners.
By uploading or posting any content or data on the 9Saver Website (including any photographs), you agree to and hereby grant, and represent and warrant that you have the right to grant, 9Saver, its contractors, and the users of the 9Saver Website an irrevocable, perpetual, royalty-free, fully sub-licensable, fully paid-up, worldwide licence to use, copy, publicly perform, digitally perform, publicly display and distribute such content or data to prepare derivative works of, or incorporate into other works, such posted content or data. This licence is non-exclusive, except that you agree that we shall have the exclusive right to enjoy this licence to the extent of combining your content or data with the posted content or data of others for the purposes of the 9Saver Website.
Other than for the purposes of, and subject to, the conditions prescribed under the Copyright Act 1968 (Commonwealth of Australia) and similar statutes that apply in your location, you may not, in any form or by any means:
- adapt, reproduce, broadcast, decompile, disassemble, cop, store, distribute, transmit, print, modify, perform, publish or create derivative works from any part of, or any information contained on, the 9Saver Website; or
- put to commercial use any information, products or services obtained from any part of the 9Saver Website,
other than with the prior written consent of 9Saver.
5. Linking to Third Party Websites from the 9Saver Website
The 9Saver Website may link to other websites operated by third parties (‘Third Party Websites’). Subject to any applicable law which cannot be excluded, 9Saver makes no warranties or representations:
- regarding the quality, accuracy, merchantability or fitness for purpose of information, products, services or offers available through Third Party Websites; or
- that content on Third Party Websites (‘Third Party Web Content’) does not infringe the intellectual property rights of any person. 9Saver is not authorising the reproduction of Third Party Web Content by linking to Third Party Websites from the 9Saver Website.
All offers and statements and representations relating to products and services available on Third Party Websites are the responsibility of the Third Party Website operator. 9Saver takes no responsibility for the information provided on a Third Party Website regardless of whether or not the website was accessed through a link from the 9Saver Website.
In so far as such offers and statements are made on the 9Saver Website, such offers and statements are made by 9Saver at the request of the operator or for the commercial purpose of the operator promoting its products and services. To the extent permitted by law, 9Saver expressly disclaims any liability for those offers and statements and representations and is not acting as agent or representative for, or in any capacity on behalf of, a Third Party Website operator
Links to Third Party Websites and third-party products/services/offers are provided for convenience only and do not represent any endorsement by 9Saver of the particular third-party products or services offered by the relevant operator of the Third Party Website or provider of the product/service/offer or any of the Third Party Web Content included on any Third Party Website.
9Saver is not liable to you or anyone else if interference with, or damage to, your computer systems occurs in connection with your use of the 9Saver Website or a linked-to Third Party Website. You must take your own precautions to ensure that whatever you click or select to use from the 9Saver Website or a linked-to Third Party Website is free of errors, viruses or anything else (such as “worms” or “trojan horses”) that may interfere with or damage the operations of your computer systems.
7. Limitation of Liability
To the fullest extent permitted by law, 9Saver makes no warranty to any person in relation to any products, services or offers displayed on or available from the 9Saver Website except those warranties which by law cannot be specifically excluded.
In accordance with the Australian Consumer Law and any other applicable laws, the liability of RevTech Media Pty Ltd and/or Nine Entertainment Co 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 9Saver’s option, to:
- the supply of the products, services or offer to you again; or
- the payment of the cost of having the products, services or offer supplied to you again.
You agree to fully indemnify and hold RevTech Media Pty Ltd and Nine Entertainment Co harmless from any claim, cost, demand or damage (including legal costs on a full indemnity basis) incurred, or which may be incurred, arising from a breach by you of these Terms and Conditions of Use, including the improper use of the 9Saver Website by you or anyone who gains authorised or unauthorised access to the 9Saver Website or your 9Saver account or registration from you.
9. Governing Law
These Terms of Conditions and Use are governed by the laws of New South Wales, Australia, and you agree to submit to the non-exclusive jurisdiction of the courts of that state in relation to any matters concerning these Terms of Condition and Use.
11. 9Saver will not provide you with personal financial advice or credit assistance
9Saver is a finance intermediary. 9Saver has not collected (or verified) any information regarding your personal financial circumstances, needs or objectives. 9Saver does not, and will not, provide you with any personal advice regarding whether any of the offers on the 9Saver Website are suitable for your personal financial needs and circumstances. We will not provide you with ‘credit assistance’ as defined by the National Consumer Credit Protection Act 2009 (Commonwealth of Australia). As such, our role is limited to providing you with general advice about available credit and other financial products and services that may be offered to you by participating or available financial services providers. From time to time, 9Saver may inform you of offers by various participating financial service providers and their representatives or intermediaries which may be made available exclusively to 9Saver members, registrants or users of 9Saver.
Registration with 9Saver does not entitle you to receive any offer. Where an offer is made available on the 9Saver Website or social media sites, it will not be an offer of finance or credit (you will have to apply for and be approved for that loan or credit product with the relevant provider). 9Saver makes no representation that you will be eligible for the offers advertised on the 9Saver Website or that any particular participating loan, credit or financial services provider will agree to make finance or credit available to you.
9Saver makes no representation as to the suitability of any offer listed on the 9Saver Website or social media sites to you or your personal needs and circumstances. In making offers available to you on the 9Saver Website or social media sites, 9Saver is not suggesting that you, or assisting you to, apply for, or enter into, or remain in a particular loan, credit or other financial services contract, or to increase your credit limit with a particular loan, credit or financial services provider. You should contact the participating loan, credit or financial services provider (or their representative) that provides the relevant product or service and obtain up to date information directly from that provider and personally satisfy yourself that it is suitable to your personal needs and circumstances before making any decision to apply for or acquire their product or service. If in doubt, you should also seek appropriate legal, financial and taxation advice before making any decision.
Any general advice is provided by RevTech Media who holds an Australian Financial Services Licence (AFSL) number, 455982, and an Australian Credit Licensee (ACL) number, 405918, and can provide you with factual information and general advice only.
Further information can be found in our Financial Services Guide (FSG) available here.
If you have any complaints about 9Saver or any of its content or services, you should contact us on firstname.lastname@example.org
If we are unable to resolve your problem, you may contact our external dispute resolution scheme. External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. Our external dispute resolution providers are:
- Financial Ombudsman Service
- Phone: 1800 367 287
- Website: www.fos.org.au
- COSL (Credit Ombudsmen Services Limited)
- Phone: 1800 138 422
- Website: www.cosl.com.au
13. 9Saver’s obligations
We have obligations to each of our participating partners and must not provide any information we know is misleading or deceptive. We also have obligations under the law to report any fraud, forgery, or other illegal activities. By signing up to 9Saver and/or by using the 9Saver Website, you confirm that you understand that we have these obligations to participating partners and their representatives under the law. If you have any questions about our role, please contact us and send us your questions before you sign up.