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1. Introduction

This website is operated by Judo Bank Pty Ltd ACN 615 995 581 (Judo, we, us or our) on behalf of itself and its related bodies corporate (together, Judo Group). Any reference to Judo’s “website” in these terms means any webpage that is Judo-branded, and which is connected to a product or service you have consented to or from which these terms of use are made available. It does not include any “website” or webpage owned, controlled, operated or branded by a third party outside the Judo Group.

All access to, and use of, this website is governed by these terms. These terms apply to all visitors, users and others who access or use the website.

If you disagree with any part of these terms, then you must not access our website.

Please be aware that some parts of this website may also contain additional terms (for example, in connection with specific products or services). Please review these additional terms wherever they appear. To the extent that there are any inconsistencies between these terms and any of the additional terms, the additional terms and conditions will prevail to the extent of the inconsistency.

2. Permitted Use of our Website

You must only use this website for:

  • finding out about Judo and our products and services;
  • communicating with our people and us; and/or
  • accessing a service or product you have consented to.

You must not use, or allow any other person to use, this website:

  • for any purpose likely, or intended, to damage or cause harm, or to encourage or promote those things, to us or any person, or impose unreasonable load on our systems and resources;
  • for any other malicious or illegal purpose;
  • for any activity which is false or misleading, defamatory, harmful, threatening, harassing, abusive, offensive, fraudulent or in breach of any law (including, for example, anti-spam legislation) or third-party rights; or
  • in any way which is likely, or intended, to interfere with the proper working of this website or result in denial or restriction of service to other users.

You must not, and must not allow anyone else to:

  • use any robot, spider, screen scraper, data aggregation tool or other automatic device or process to process, monitor, copy or extract any content from the website without our prior written permission;
  • circumvent any security features of this website; or
  • reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the website.

3. Applicable Law

This website and our products and services, have been prepared for use by Australian residents, in accordance with Australian law, only. Persons outside Australia should not apply for Judo products and services. To the extent permitted by law, we make no representation or warranty that our website is appropriate or available for use in any country other than Australia, nor that it is consistent with the laws of any country other than Australia.

In particular, as we do not:

  • process personal data in the context of an establishment in the European Economic Area (EEA) or United Kingdom (UK);
  • offer goods and services to individuals in the EEA or UK; or
  • monitor the behaviour of individuals in the EEA or UK,

we are not required to comply with the requirements of the General Data Protection Regulation (Regulation (EU) 2016/679) nor the UK Retained Regulation (EU) 2016/679 and the Data Protection Act 2018 (UK).
1. These terms will be governed and construed in accordance with the laws of Victoria, Australia without regard to its conflict of law provisions. If we have a legal dispute relating to this website or these terms, Victorian courts will have non-exclusive jurisdiction.

4. Third-Party Links and Tools

Our website may contain links to third-party websites, webpages, products or services (collectively Third-Party Offerings) that are not owned or controlled by us.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any Third-Party Offerings. Linking to any Third-Party Offering is not an indication that we endorse or approve of the operator of that Third-Party Offering or the content on that Third-Party Offering. Subject to any applicable law which cannot be excluded, we will not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with, use of or reliance on any such content or any goods or services available on or through any such Third-Party Offering.

We strongly advise you to read the terms of use and privacy policies of any Third-Party Offering that you visit through a link from our website. Any use is subject to those providers’ separate terms and conditions and privacy policies. You must ensure that you have read, understood and agreed to them before use or connection to them because your personal information may be collected, used, disclosed and managed by us and/or the relevant third-party provider as stated in our separate privacy policies and/or terms of use. You should also be aware that we may pay a third-party provider you connect to a fee for such connection, or to enable such connection, at commercially negotiated, arm’s length rates.

Certain tools, devices, software programs or other features (Tools) available on or through this website may be provided by third parties. These Tools are provided or made available as a convenience to you. These Tools are not operated by us and we are not responsible for examining or evaluating the content, availability, accuracy, adequacy, timeliness, validity, copyright compliance, legality, decency, quality, completeness or any other aspect of these Tools.

5. Availability of the Website

This website is subject to interruption, breakdown, viruses, delays, interception, interference and other errors involving communications networks, computer systems, servers, providers, computer equipment and software. To the extent permitted by law, we do not guarantee that our website, or any content on it, will be free from errors, viruses or omissions.

We reserve the right, without notice and in our sole and absolute discretion, to discontinue, suspend or terminate any service offered by or through this website, as well as this website, at any time.

In relation to any device which you use to access the website, we recommend that you obtain and maintain up-to-date virus, security and intrusion prevention and scanning software.

So far as is permitted by these terms, we are not responsible for providing or repairing, or for any fees, costs or charges relating to, any equipment you need to enable, facilitate or assist access to this website.

6. Copyright and Trade Marks

This website and its content are protected by copyright owned by or licensed to us, unless indicated otherwise. You may download and print content from this website for your own personal or internal business purposes only.

You must not publish, adapt, communicate to the public, distribute to third parties, amend or make any other copy of any part of the content on this website without our prior written consent, except as permitted by the Copyright Act 1968 (Cth) or other applicable laws.

"Judo Bank" and the Judo Bank logo are our registered trade marks. You must not use these trade marks in such a way as to infringe our rights. We reserve any rights not expressly granted in these terms of use.

7. Privacy

We may collect, process, use, disclose, manage and handle your personal information as set out in our privacy policy.

8. Liability

Nothing in these terms restricts, excludes or modifies any consumer rights under any statute including the Competition and Consumer Act 2010 (Cth).

Subject to the previous paragraph, we and our related companies and the officers and employees of us and our related companies are not liable (including in negligence) for any direct, indirect, consequential or other loss or damage which may arise out of, or in connection with, the use of this website or the use of or reliance on information contained on or linked to this website, whether such liability exists in contract, tort (including negligence), statute or otherwise.

If any law imposes a consumer guarantee in relation to any service provided by this website which cannot lawfully be excluded then, to the maximum extent permitted by law, our liability for any breach of such consumer guarantee will be limited to the supply of the relevant service again or the payment of the cost of having that service re-supplied, at our election.

We do not provide any warranty in relation to your use of this website or as to the currency, completeness or accuracy of the information contained on this website. Any content on our website is provided on an “as is” basis, for general information only. Unless otherwise stated, it has not been audited nor verified by any third party and is subject to change at any time, without notice (unless a notice period is otherwise stated). We recommend that you seek independent advice before acting on material on this website.

All disclaimers, indemnities and limitations of liability, will survive any termination of your access to this website.

9. Indemnity

To the extent permitted by law, you hereby indemnify and hold us and other members of the Judo Group, and third parties connected to the Judo Group, including directors, officers, employees, partners, contractors and agents, harmless from and against all liabilities, damages, losses, fines, costs and other expenses (including, without limitation, legal fees and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us arising out of any breach by you of any provision of these terms or other liabilities arising out of your use of our website where you have acted negligently or fraudulently, except to the extent caused or contributed to by us.

10. General

Our failure to enforce any right or provision of these terms will not be considered a waiver of our rights. If any provision of these terms is held to be invalid or unenforceable by a court, the remaining provisions of these terms will remain in effect. These terms constitute the entire agreement between us regarding your access to, and use of, our website.

11. Changes

We may make changes to this website, or withdraw or restrict access to this website, at any time.

We may, at our sole discretion, modify or replace these terms at any time. We will publish any modified or replacement terms on this website. You accept that by doing this, we have provided you with sufficient notice of the variation, however we may also take additional steps to advise you of a pending or actual variation. If you do not agree to any variation to these terms, you should immediately cease using this website.

This version of these terms applies from 20 December 2022.

© Judo Bank Pty Ltd ABN 11 615 995 581 Australian Credit Licence and AFSL 501091