Website Terms Of Use & Privacy Policy

1. Website operation

This website is owned and operated by Help Me Choose Pty Ltd (ACN 153 119 003) (collectively, “Lead To Sales”, “we”, “us” or ‘our”) under the domain name www.leadtosales.com.au (“the website”).

2. Access to the website and use of the services

Your access to and use of the information, materials and services provided on the website is conditional upon your acceptance and compliance with the terms, conditions, statements, notices, policies and disclaimers contained on this website (“Terms”).

Your continued use of the website means you accept these Terms. If you do not wish to be bound by these Terms you must discontinue accessing, browsing and/or using the website.

Lead To Sales reserves the right to amend these Terms at any time. In such an event, we will provide notice by publishing the varied Terms on the website. You accept that by doing this, we have provided you with sufficient notice of the variation.

3. Description of Website Services and information provided

Lead To Sales is not a financial advisor and/or a mortgage broker. We do not provide any financial advice or mortgage broking services. The website and the services contained herein are designed to provide a technical link between you and a qualified and/or licensed financial advisor, mortgage broker or credit card provider. By submitting the required information in the relevant field, a financial advisor or mortgage broker from a range of participating financial services organisations (a “participating financial services organisation”) is connected with you on the basis of a post code allocation system and will contact you to help you with your financial needs.

Similarly, where you have selected to receive a service from one of our service providers, such as a real estate agent, your information will be passed on to the relevant service provider to enable delivery of the service you have selected to receive.

The participating financial services organisation and/or service provider is not employed by us. We do not sponsor, endorse, recommend or approve any financial services organisation and/or service provider, who offers services through the website.

Lead To Sales may receive a fee for providing your personal information to participating financial services organisation and/or a service provider. This information will not be provided to the participating financial services organisation and/or service provider without your prior consent. For further information regarding how we collect and use your personal information, please refer to our Privacy Policy located below.

Whilst we use all reasonable endeavours to ensure that participating financial services organisation and/or service providers are qualified and licensed to provide their relevant services, we cannot and do not guarantee, warrant or represent that any participating financial services organisation and/or service provider who offers services through this website is licensed, qualified, or able to perform the relevant services. We therefore strongly recommend that you take all necessary measures and precautions before you engage the participating financial services organisation and/or service provider to act on your behalf and/or seek to rely on any information provided by the participating financial services organisation and/or service provider.

We cannot and do not guarantee that we have a participating financial services organisation and/or service provider allocated to your specific area or postcode. Consequently, you agree and acknowledge that we may not be able to provide the service requested by you notwithstanding the submission of all required information on your part.

4. Intellectual Property Rights

The material contained on this website is protected by copyright. You may use the website only for your personal and non-commercial purposes.

Except to the extent permitted by relevant copyright legislation, you must not use, reproduce, modify, adapt, transmit, store, print, publish or distribute the material on the website, or create any other material using material on the website, without obtaining our prior written consent.

The trademarks appearing on the website (whether registered or unregistered) are primarily our trade marks or of those of our affiliates. Other trade marks which may be displayed on the website are trademarks of their respective owners. Such trademarks must not be used or modified in any way without our express written consent or the relevant affiliate or third party owner.

You agree that all the materials displayed on or available through the website, including without limitation any and all names, logos, data, information, text, graphics, advertisements and underlying software displayed on or available from the website are protected by copyright, trade mark and other intellectual property laws and are available for your personal use only.

The website, products, technology and processes contained in this website may be the subject of other intellectual property rights owned by Lead To Sales 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 the website must not in any way infringe the intellectual property rights of any person.

5. Third party website links

The website may contain links and pointers to other websites operated by third parties. Such links and pointers are provided for your information and convenience only. We make no representations about the accuracy or suitability of the information or links which may be provided on the website

Lead To Sales does not control these third party websites and cannot be responsible for the content or accuracy of the information or other material contained on these websites.

Unless otherwise expressly stated on the website, the provision of a link to an external website does not constitute an endorsement or approval of that website, its operator and/or any products or services offered on or through that website.

It is strongly recommended that you seek independent expert advice if you have any concerns regarding what services, products or solutions may be suitable for you.

Before using other websites, we strongly recommend you examine the terms and conditions governing the use of those websites as they may differ from the website. Similarly, before disclosing your personal information on any other website, we advise you to examine the privacy policies of those websites.

You agree that by accessing any third party linked website you do so at entirely at your own risk. Lead To Sales will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with, use or reliance on any goods or services available on or through any third party website.

Hyperlinks to the website are only permitted where prior written consent has been obtained.

6. Right to modification and change

We reserve the right to amend, modify, delete, amend and make changes and corrections to any part of the website at any time without notice.

Lead To Sales does not guarantee continued availability of any particular product or service advertised or referred to on the website.

7. Information does not represent professional advice

The information and material provided on or through the website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into a transaction or taking any particular course of action in connection with the information you receive from the website, you should make your own inquiries and seek independent advice tailored to your specific circumstances and objectives.

8. Timeliness of response

Where our service involves a financial expert or any other expert (“expert”) to contact you to assist you with your enquiry, we will use all reasonable endeavours to ensure that you are contacted by that expert within 2 business days from the time an on-line request is submitted on the website (“response time”). Notwithstanding this, we cannot and do not guarantee the response time of any or all of our participating experts.

If you are not contacted within the response time, please let us know. Our contact details are as follows:
Email: support@leadtosales.com.au

Mail: 35 Bank St, South Melbourne 3205 Victoria

9. No Guarantees as to the Service

The website may contain downloadable materials and links to external websites.

Lead To Sales is not responsible for, and has no control over, the content of downloadable materials or external websites.

You understand that we cannot and do not guarantee, warrant or represent that a file or software of any kind, or from any source, available for downloading through the website, will be free of infection or viruses, worms, Trojan horses or other code or defects that manifest contaminating or destructive properties.

10. Disclaimer and Limitation of Liability

The reports and statistical data provided by this website service (collectively “the information”) are derived from third party data collection companies and from information provided to us by financial institutions. Lead To Sales does not warrant the accuracy of the information and does not accept liability for reliance on such information. In addition, we do not accept liability for the acts or omissions of others including but not limited to, those who provide the data and statistical information used to compile the information.

Certain rights and remedies may be available under the Trade Practices Act 1974 or similar legislation of other States or Territories and may not be permitted to be excluded, restricted or modified. Apart from those that cannot be excluded, Lead To Sales and its related entities exclude all conditions and warranties that may be implied by law. To the extent permitted by law, our liability for breach of any implied warranty or condition that cannot be excluded is restricted, at our option to: the re-supply of services or payment of the cost of re-supply of services; or the replacement or repair of goods or payment of the cost of replacement or repair.

11. Security

When using the World Wide Web, the Internet or third party networks or facilities, you are using networks, facilities and services that are beyond our control.

You assume all risk and liability of your use of the World Wide Web, the Internet or any such third party networks, including any access to the website via such media.

12. Jurisdiction

The use of the website is governed by, construed and enforced in accordance with the laws of Victoria, Australia and you irrevocably submit to the non-exclusive jurisdiction of the courts of Victoria, Australia and their respective courts of appeal in that regard.

The website may be accessed throughout Australia and overseas. Lead To Sales makes no representations that the content of the website complies with the laws (including intellectual property laws) of any country outside Australia. If you access this website from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the website.

13. Severability

If any part of these Terms is held invalid, illegal or unenforceable, that part shall be severed and the remainder will continue to be valid and enforceable.

14. Reservation of rights

Any rights not expressly granted to you herein are reserved by Lead To Sales.

15. Privacy Policy

Help Me Choose Pty Ltd (“Lead To Sales”, “we”, “us”, “our”) recognises the importance of your privacy and is committed to protecting any personal information we collect about you in accordance with the National Privacy Principles contained in the Privacy Act 1988 (Cwth) (“the NPP’s”).

The NPP’s are designed to protect the confidentiality of information and the privacy of individuals by regulating the way “personal information” is managed. Personal information is, generally, information or an opinion relating to an individual, which can be used to identify that individual.

For the purposes of this Privacy Policy, the word “you” includes all website visitors and users of the services provided on www.LeadToSales.com.au (“the website”).

The purpose of this Privacy Policy is to inform you about:
1. What personal information about you is collected by us.
2. How the information is used.
3. With whom the information may be shared.
4. How you can access and change any personal information we hold about you.
5. What security procedures are in place to protect the loss, misuse or alteration of your personal information by us.
6. How to contact us.

Your personal information

Personal Information collected and held by us may include details such as your name, address, telephone number (home, business or mobile), and email address.

Why do we collect your personal information?

We collect certain personal information about you in order to understand and meet your needs and provide the services you require. Consequently, if you choose not to provide certain personal information, we may not be able to provide you with the services you require and/or we may not be able to provide the level of service on which we pride ourselves on delivering.

Collection of other information

Lead To Sales also collects non-personal information in aggregate form to track data such as the total number of visits to the website and number of pages viewed by visitors.

This non-personal information is collated by IntaServ and provided to us. We use this information, which remains in aggregate form, to understand how our website visitors use our website so that we can constantly improve and enhance our services.

We may make this information available to other organisations including research companies for the comparison purposes.

Cookies

Lead To Sales utilises a technology called ‘cookies’ when you visit the website. Cookies are pieces of information that a website transfers to your computer’s hard disk for record keeping purposes.

Cookies are useful to estimate the number of visitors to our website and determine overall traffic patterns. We also use cookies to measure interest in different parts of our website.

If you do not wish to receive any cookies you may set your browser to refuse cookies however this may restrict access to some pages and services within the website.

How we collect your personal information

We collect your personal information directly from you when you submit your personal information and details using our on-line forms.

How do we use your personal information?

The personal information you provide to us will be used only for the purpose for which it was submitted unless we specifically disclose other uses in this Privacy Policy or at the time of collection.

In general, we may use your personal information for the following purposes:
• to provide the services and/or products you require
• to verify your identity
• to identify the number of people using the website services and establish the nature of their interests
• to communicate with you
• to comply with any legal obligations

Your personal information may also be used for marketing and promotional activities conducted by us including by way of direct mail, telemarketing and email. Such marketing and promotional activities may be conducted by us to promote our own and/or third party services and products.

We will only send marketing and promotional material to you if you elect to receive it (via the relevant opt-in preferences on the website) or, if it is provided in response to a specific request by you. If you do wish to receive marketing and promotional material from us, please contact us via email at: support@LeadToSales.com.au

Disclosure of personal information to third parties

In order to enable a financial expert to provide you with helping you find the right financial products and information, your personal information will be passed on to a “participating financial services organisation”. Similarly, if you have requested to receive a service from one of our service providers (such as a real estate agent), your personal information will be forwarded to that service provider to enable delivery of the relevant service.

You should be aware that once your personal information has been passed on to a participating financial services organisation and/or service provider (collectively “the participants”) it will then be held subject to the privacy obligations and policies of the relevant participants which may not necessarily conform with this Privacy Policy.

Other than as described in this Privacy Policy, we will not disclose your personal information without your consent unless disclosure is necessary to prevent a threat to life or health, authorised or required by law, reasonably necessary to enforce the law or necessary to investigate a suspected unlawful activity.

Access to and correction of information we hold about you

Upon your request, we will provide you with access to your personal information unless there is an exception which applies under the NPP’s. If we deny such access, we will tell you why.

Lead To Sales reserves the right to charge a fee for searching for and providing access to the requested information.

To request access to your personal information, you can contact us by telephone, email or mail. Our contact details are listed below under ‘How to contact us’.

Keeping information up-to-date

We aim to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date however, the accuracy of that information depends largely on the information you provide to us.

If the personal information we hold about you is inaccurate, incomplete, or no longer up-to-date, please contact us so that we may take reasonable steps to address this. Our contact details are listed below under ‘How to contact us’.

Storage and Security of your personal information

Lead To Sales takes reasonable steps to protect the security of your personal information in accordance with this Privacy Policy.

Although we regularly review and implement new security and encryption technologies, no data transmission over the internet can be guaranteed to be totally secure. Whilst we strive to protect such information, we cannot ensure or warrant the security of any information you transmit to us or obtain from our online services. Accordingly, use of the website and its services is entirely at your own risk.

Once any personal information comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorised access, modification or disclosure.

Third party websites

We may provide links to third party websites on the website. Please note that these links are intended for your convenience only.

These linked websites are not under our control and we cannot and do not accept any responsibility for the conduct of companies who operate these websites or the content of the websites. If you elect to visit a linked website, we strongly recommend that you examine the terms and conditions of using that website and its privacy policy.

Updates to this Policy

From time to time our Privacy Policy may be reviewed and updated to take account of new laws and changes to our business practices and operations. Accordingly, we encourage you to periodically review this Privacy Policy.

Your continued use of the website constitutes your acceptance of the collection, use and disclosure of your personal information to the extent outlined in this Privacy Policy as amended from time to time.

For further information about the protection of your privacy, please visit the Australian Federal Privacy Commissioner's website at www.privacy.gov.au.

How to contact us

If you have any questions in relation to privacy, you can contact us in the following ways:
Email: support@leadtosales.com.au

Mail: 35 Bank St, South Melbourne 3205 Victoria