Disclaimers and Legal

financebyme.com (“this website”) is owned and maintained by Clamnote International (“we”,”us”,”our”), BN98332986, as registered trading name in State of New South Wales, Australia which belong to Arxdito Pty Ltd ATF ArxFirst Trust – ABN 33 465 271 139.

Disclaimer

The material and information therein is a general nature, for education and informational only for visitor, reader and/or subscriber of this website (“you”, “your”). It should not be construed as providing legal and/or financial advice and should not be relied upon as  legal and/or financial advice. You must always seek  legal and/or financial advice about your particular circumstances from a professional that licensed to provide such advice in your jurisdiction. Any decision made by you should be your own responsibility.

Unless specified otherwise, any mention about legal material on this website is based on the laws of New South Wales, and  as applicable and, where appropriate, the laws of the Commonwealth of Australia.  Therefore, please note that the information may not reflect the laws of other jurisdictions.

Your use of the website is not intended to create, nor does it create, a professional-client relationship between you and us.

We make no warranty, representation or guarantee regarding the suitability of the content of this website for any given purpose; nor do we assume any liability arising from the use or application of any of the content and specifically disclaims any and all consequential and incidental damages.

To the maximum extent permitted by law, we will not be liable in any way for any loss, damage, liability, claims and expenses, including legal costs and defense or settlement costs whatsoever, whether direct or indirect, consequential, financial or non-financial, suffered by you or arising out of, or referable to, this website, third party websites or a failure by us to provide this website, howsoever caused whether in contract, tort (including negligence), statute or otherwise.

To the maximum extent permitted by law, we exclude any conditions or warranties that would otherwise be implied into these Terms & Conditions.

Indemnity

To the maximum extent permitted by law, you will indemnify us in respect of any liability suffered by us as a result of your breach of the Terms & Conditions of your use of, or access to, this website (including use of or access to third party websites therefrom).

Term And Conditions

Your access to this website and use of the information, graphics and material thereon is subject to these Terms & Conditions, Notices, Disclaimers and any other statements contained on this website. By using this website, you agree to comply with, and be subject to, the Terms & Conditions.

We reserve the right to alter these Terms & Conditions from time to time. The amendments will take effect immediately on publication on this website. Your continued use of this website, after publication of the amendments, constitutes an agreement by you to be bound by the amended Terms & Conditions.

Intellectual Property

All articles, comment, and other contents on this website are licensed under a Creative Commons Attribution-Noncommercial-Share Alike 2.5 Australia License. Basically, you are allowed to share, copy, distribute, transmit and make adaptation/derivative work based on the contents under the conditions:

• the original author and website are mentioned and credited – in case of online media a direct hyperlink to the original content is necessary
• not for commercial purposes
• share alike ( if you alter, transform, or build upon the work, you may distribute the resulting work only under the same or similar license to this one)

Copyright in the site, including all text, graphics and logos is owned by a license to us. Special license, including commercial license, is available upon request by contacting us via Contact Form in this website.

Linking of Website

You are welcome to link and/or display the homepage or articles of this website. However, the direct linking to an image, pdf file or any other media file (i.e:’hot linking’) is strictly prohibited.

Privacy and Security Policy

Our procedure for dealing with any personal information that you disclose to us is set out below. We may amend the policy from time to time.

Information We Collect and Hold

This websites collects general information relating to the access via its log which include timestamp, IP Address, referrer and other technical detais. No personal information is collected unless you actively type your personal information into one of the online forms used for the purpose of providing you with further information/subscription. Any personal information, which limited to firstname and email address obtained, is used for internal purposes only. We might disclose your personal information to third party that provide us with their service for the primary purpose of providing you with further information about your enquiry. You may, at any time, request that no marketing material be sent to you.

We never ever share, rent or sell your personal information for any reason at all.

You should note that with the nature of internet and email system works, the Internet Service Provider or its party between your end and our end may monitor for customer service monitoring, Internet traffic monitoring, troubleshooting and maintenance purposes or where email abuse is suspected or being investigated.

How we Protect your Personal Information

Reasonable steps are taken by us to protect personal information we hold from misuse, loss, unauthorised access or disclosure regardless of the form in which the information is held. Internal staff training also encompasses aspects of client and general confidentiality.

Access and Correction

You can request, at any time, that we provide you with access to personal information that we hold about you. We will comply with any such request except where the Privacy Act or the National Privacy Principles allow us not to do so. Any such request should be submitted via our contact form in this website.This email address is being protected from spam bots, you need Javascript enabled to view it

Security of Information

It is noted and acknowledged that no data transmission over the Internet can be guaranteed as being totally secure. We, despite our best efforts, cannot fully ensure or warrant the security of any information you transmit and you acknowledge that you do so at your own risk. As indicated, however, we take all reasonable steps to preserve the security of the information about you within our own systems.