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About these Terms and Conditions
This website is owned by Rismark International Funds Management Ltd ABN 15 114 530 139 AFS licence number 293881 (trading as Rismark International) ("Rismark Website"). The use of the Rismark Website is governed by these Website Terms and Conditions and the Rismark Website Privacy Policy. By using the Rismark Website, whether browsing or opening an application, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.
Advice
The Rismark Website contains general information about the Equity Finance Mortgage ("EFM") and other Rismark products and services. Information contained on this site does not take into account your personal circumstances, financial situation or particular needs and does constitute an offer or inducement to enter into a legally binding contract with Rismark. The information contained on the Rismark Website does not form part of the terms and conditions of the products and services provided by Rismark.
Disclaimer and limitation of liability
Rismark has taken reasonable steps to ensure the accuracy and currency of the information contained on the Rismark Website. However, the information on the Rismark Website is provided in good faith and Rismark does not make any representation or warranty of any kind as to the reliability of the information contained on this website.
Rismark is not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with use of the Rismark Website or a linked website. You must take your own precautions to ensure that whatever you select for your use from the Rismark 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.
You agree to fully indemnify and hold Rismark harmless from any claim, cost, demand or damage (including legal costs on a full indemnity basis) incurred or which may be incurred arising (either directly or indirectly) from your use of the Rismark Website
Copyright
The Rismark Website and all works contained in it are Rismark's intellectual property and subject to copyright.
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, copy, store, distribute, transmit, print, modify, perform, publish or create derivative works from any part of this Rismark Website; or
- put to commercial use any information, products or services obtained from any part of this Rismark Website.
Third Party Sites
Some pages on the Rismark Website may contain hyperlinks to other websites which are not owned and operated by Rismark. Where these hyperlinks are provided, they are provided for convenience and information purposes only. The inclusion of a hyperlink does not imply an endorsement or recommendation of the linked website by Rismark and Rismark makes no representations or warranties in respect to a linked third party website. Note: Rismark's EFMs are also sometimes known as equity mortgages, "shared equity" loans, shared appreciation mortgages (incorrectly, since under the EFM the lender may wear depreciation!), or silent partner loans.
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Copyright 2008 Rismark International. All rights reserved. Fees, charges, terms, conditions and lending criteria apply. Full details are available on application. EFM loans have been developed by and will be provided by Rismark International Funds Management Ltd ABN 15 114 530 139 AFS licence number 293881 (trading as Rismark International) ('Rismark', 'we', 'us' or 'our'). EFM loans are offered in conjunction with certain traditional home loans offered by approved lenders and their originators. Rismark has appointed Adelaide Bank a division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFS licence number 237879 ('Adelaide Bank') as an approved lender Adelaide Bank and its originators ('Adelaide Bank originators') will distribute and manage EFM loans. Rismark has consented to Adelaide Bank and Adelaide Bank originators branding EFM loans as Adelaide Bank or Adelaide Bank originator-branded EFM loans. Rismark may over time also appoint other financial institutions to distribute and manage EFM loans. Rismark has appointed Permanent Custodians Limited ACN 001 426 384 ('Permanent') as lender of record, custodian and mortgagee for Rismark. This means Permanent will enter into the EFM loan contract and Mortgage on behalf of Rismark.(R) Equity Finance Mortgage (EFM) and EFM are registered trade marks of ARES Capital Management Pty Limited ABN 93 113 861 046. TM Equity Finance Mortgage is a pending trade mark of ARES Capital Management Pty Limited ABN 93 113 861 046. ARES Capital Management Pty Limited's ABN 93 113 861 046 intellectual property relating to the EFM product is protected by Australian Innovation Patent Numbers 2005100 871, 2005100 869, 2005100 868, 2005100 867, 2005100 865, 2005100 864, 2007100 445, and 2007100 448.
