Thank you for visiting our website. This website (Website) is owned and operated by Alex Bank Pty Ltd (ABN 13 627 244 848, Australian Financial Services Licence and Australian Credit Licence 510805) (Alex, we, us or our).
By accessing and/or using this Website and our related services, you agree to be bound by these Terms and Conditions, which include our Privacy Policy and Credit Reporting Policy (Terms) regardless of whether you are a registered or unregistered user (see ‘Registration of Interest’ below).
You should review our Privacy Policy, Credit Reporting Policy and these terms and conditions carefully. If you do not agree to these Terms, you must immediately cease using our Website.
Use of Website
These Terms govern your access to and use of the Website, including any information, content or material that is located on, forms part of or is available through or in connection with the Website.
You acknowledge that to obtain access to certain parts of this Website, it will be necessary to register your interest. See ‘Registration of Interest’ below for further details. If you wish to use certain products or services identified on this Website, you may be required to agree to additional terms and conditions which will govern the use of those particular products or services.
You must not do any act that a reasonable person would deem to be inappropriate, or is prohibited by any laws applicable to this Website, including but not limited to:
- doing or attempting to do any act that would constitute a breach of an individual's privacy rights or any other of the legal rights of an individual, regardless of whether that is a specific individual or any individual user generally;
- infringing the intellectual property rights of any third party;
- posting or submitting any inaccurate, false, misleading or incomplete information;
- transmitting, providing or posting to the Website any content or material that we determine at our sole discretion, likely to cause offence or which is (or may be construed as) unlawful, illegal, threatening, harmful, abusive, harassing, tortious, defamatory, offensive, objectionable, racist or pornographic;
- uploading files that contain viruses, corrupted files, or any other type of software or programmes or otherwise doing or attempting to do anything designed to interfere with, disrupt or circumvent the security or operation of this Website or any service provided by this Website, or that may cause damage to our property, the property of individuals or which is in violation of our systems or a third party’s systems or network security; or
- using this Website to provide any content or service in any commercial manner, or in any manner that would involve the sending of junk mail, spam or any other form of unauthorised advertising or commerce without our prior written consent.
If we allow you to post any information to our Website, we have the right to take down this information at our sole discretion and without notice, including if we consider removal of the post necessary for compliance with relevant law or where we consider at our sole discretion your use of the Website to be inappropriate.
Registration of Interest
The functionality of this Website may vary depending on whether you are an unregistered or registered user.
Subject to these Terms, unregistered users may browse this Website anonymously without providing us with any personal information. However, if you wish to apply for any product that we offer, you may first need to register your interest. We may use cookies to improve unregistered users' experiences. See ‘Cookies and other trackers' below for further details.
When you register your interest, you will provide us with personal information (such as your name and email address). You must ensure that any information you provide to us is complete, accurate and current.
To register your interest, you must:
- be over 18 years of age;
- be an Australian citizen or permanent resident;
- possess the legal right and capacity to enter into a legally binding agreement with us;
- agree to provide true, accurate and complete information and to keep this information up to date; and
- agree to us contacting you using the personal information you provide.
Your registration of interest will be treated as a request to create a user profile on our Website. Once you have submitted your request to us, we will ordinarily send you an email requiring you to verify the email address provided. Once verified, you are considered a registered user of the Website. We reserve the right to refuse any request to create a user profile with us for any reason and without explanation.
If you are a registered user, you:
- acknowledge that your login and password are for your personal use only and that you must not disclose your login credentials for the Website to any other person;
- agree to take reasonable care when accessing the Website to ensure that your login credentials are not disclosed to or observed by any other person; and
- must notify us by email immediately to help@alex.bank in the event that you lose your login credentials, or if you have any reason to believe that someone else has access to your account; and
- must change your password on a reasonably frequent basis and each time we prompt you to do so.
Your registration as a user does not amount to any representation or guarantee that your application for a product offered by us or via our website, will be successful.
Applying for a product via our Website
If you wish to apply for a product with us, you will need to complete an application form online. In completing an application, you represent and warrant that you have the full authority to engage in any transaction you undertake.
Products will only be provided to Australian citizens or permanent residents that meet our identification requirements. For credit applications we will undertake an assessment of the lending risk, including by independently verifying the identity of any prospective borrower, beneficiary or guarantor of a prospective borrower.
Should you be approved for and subsequently offered a product by Alex, the provision of the product to you, will be subject to separate terms and conditions as set out in the respective product agreements.
Privacy and Credit Reporting
Please see our Privacy Policy and Credit Reporting Policy for more detail about how we handle any personal information (including credit information) that you provide to us.