Legal – THNCA

Please read this section carefully before using this website (‘Website’) and the materials accessible through this Website. By using this Website, you are agreeing to be legally bound by the following terms (referred to collectively as 'Terms and Conditions'). THN Credit Acceptance Pty Limited (‘THNCA’, ‘us’, ‘we’ and ‘our’) reserves the right to amend these terms. Your continued use of this Website constitutes your agreement to such changes.

General conditions

These Terms and Conditions are governed by the law in force in Australia, in the State of New South Wales ('applicable law'), and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions.
These Terms and Condition can be modified at any time by us and you agree to continue to be bound by these Terms and Conditions as modified. We will give you notice of these changes by publishing revised Terms and Conditions on this Website.  We are not obliged to, nor will we separately notify you of these changes.
If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.

No solicitation, recommendation or investment advice 

The contents of this Website have been prepared by THNCA for general information purposes only and should not be construed as an offer or solicitation or advice or recommendation. 
Unless otherwise expressly stated to the contrary, this Website is not designed for the purpose of providing personal financial or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment needs.
You should assess whether the information on this Website is appropriate to your particular investment objectives, financial situation and investment needs. You should do this before making an investment decision on the basis of the information on this Website. You can either make this assessment yourself or seek the assistance of an independent financial adviser.

Products and services 

All products and services referred to in this Website are provided by us or by our group of associated companies. For your convenience, this Website may provide links to websites operated by third parties. Any identification or use of any third party products, services, and links to websites or networks in this Website is not an endorsement of such products, services or websites or networks. 
We accept no responsibility or liability of any kind in respect of any materials on any website or network that is not under our direct control or the direct control of our associates. 
You acknowledge that your access to such other websites or networks via such a link may require us to provide certain information about you to the proprietor of that website or network. Your obtaining of goods or services from these persons is at your own risk. You indemnify each member of our group of associated companies against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in this Website.

No warranty or reliance

This Website may contain inaccuracies and errors. THNCA does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through this Website and we disclaim any duty to update this Website.
Subject to any applicable law which cannot be excluded, we make no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the services described in this Website.  Furthermore, nothing contained in this Website represents financial, legal, tax or other advice, nor is any content appearing in this Website to be deemed a solicitation, recommendation or advice or is to be relied upon for the purpose of making or communicating investment or other business related decisions.
You are also informed this Website, and access to this Website, may not be available at all times and may be impeded by a range of factors including technology failures or lack of capacity. You are responsible for obtaining and maintaining your own information and communications’ technology in order to access this Website. 

Intellectual property 

All copyright, database rights, trade marks and other intellectual property rights in the content of this Website belongs to us or to our associate companies or to a third party including our licensors. This content may include names, terms and/or data which may or may not be identified with a symbol identifying it as a name, term or item in which copyright is claimed or a registered trademark is held. The lack of any such symbol should not, under any circumstances, be understood as meaning that the name, term or data is not the intellectual of either ourselves or a third party.
Any third party intellectual property used by us in the content of our Website should not be interpreted as meaning that the third party owner sponsors, endorses or is in any way affiliated with us or with our business, nor that they make any representation regarding the advisability of betting on or trading in our products.
Except where necessary in order to view the information on this Website on your browser, or as permitted under the applicable law or these Terms and Conditions, no information or content on this Website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without our specific written consent.  THNCA will enforce its intellectual property rights to the fullest extent possible under applicable law.

Responsibility of visitors

THNCA makes no representation or warranty as to the accuracy, completeness, timeliness or reliability of the contents of this Website, and other than as required under consumer protection law, THNCA accepts no responsibility for errors or misstatements, negligent or otherwise and under no circumstances will THNCA be liable for any loss or damage whatsoever caused by a user’s reliance on information obtained from this Website, including from use of tools and calculators. 
The information on this Website is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. It is the responsibility of visitors to this Website to ascertain the terms of and comply with any local law or regulation to which they are subject.

Responsibility of authorised users

You agree to treat the information you obtain from this Website that requires a password or similar identification procedure as confidential (‘Confidential Information’). This does not include the right to reproduce, modify, make collections or compilations of, distribute, or publicly display the Website content generally available. You must not transfer the Confidential Information to any other person or entity. You must retain all copies of the Confidential Information downloaded, all copyright and other proprietary notices contained in the Confidential Information. You agree to abide by all additional restrictions displayed on the Website from time to time. Any unauthorised use of the Website, misuse of passwords and/or any other information listed on the Website is prohibited. Except as expressly provided herein, THNCA does not grant you any express or implied license or permission under any patents, trademarks, copyrights or trade secret information.
In addition, you agree to access the Confidential Information and this Website manually, by personal request, and not automatically, through the use of a “bot” or similar program, or by other means. You agree not to take any action, alone or with others, that would interfere with the operation of this Website, to alter this Website in any way, or to impede others’ access to and freedom to enjoy and use this Website as made available by THNCA.

Information supplied by you via this Website

Any information you may provide to us via this Website will not be considered of a proprietary, confidential or commercially sensitive nature.  As a consequence, by providing any such information or materials to us, you grant THNCA an unrestricted, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publicly display, publicly perform, transmit and distribute such information and materials, and you further agree that we are free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to us. 
Furthermore, you agree not to use the Website to distribute, email or post any advertising, promotion or solicitation without our prior approval. You agree not to use the Website to upload, display or distribute any materials that are defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporate the copyrighted, confidential or proprietary material of any third party.


We may send notices to the email address provided to us by you. It is your responsibility to ensure that you notify us of any change to your email address. Any notice sent by us to your email address shall be deemed to have been delivered at the time of sending.


We have the right to terminate your use of this Website if we determine in our sole discretion that you have breached the terms and conditions.

Disclaimer and limitation of liability 

To the maximum extent permitted by law, we will not be liable in any way for any loss or damage suffered by you through use of or access to this Website, or our failure to provide this Website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this Website or any part of it, or for any problems with this Website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this Website or any part of it to you, or to paying for the resupply of this Website or any part of it to you.

Terms of Use

This Website is owned and operated by THNCA. The access to and use of this Website is subject to these Terms and Conditions, our Privacy Policy, and any notices, disclaimers or other terms and conditions or other statements contained on this Website. By using this Website you agree to be subject to the Terms and Conditions.