Before accessing the information regarding First National Financial Solutions contained in this site, you need to carefully read the following information:
1. First National Financial Solutions and the Suncorp Group
First National Financial Solutions is a division of Suncorp-Metway Ltd ABN 66 010 831 722. This site provides information about the various financial products and services offered by members of the Suncorp Group. The Suncorp Group is comprised of Suncorp-Metway Ltd ABN 66 010 831 722 and its subsidiaries and related companies. The following companies of the Suncorp Group offer the following products and services:
- Suncorp-Metway Ltd issues banking products and services which includes loans and deposits;
- Suncorp Metway Insurance Limited ABN 83 075 695 966 issues general insurance products;
- Suncorp Life and Superannuation Limited ABN 87 073 979 530 issues life insurance products;
- Financial Planning advice is provided by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, Australian Financial Services Licensee.
A reference in our site to Suncorp is a reference to Suncorp-Metway Ltd and its subsidiaries and related companies collectively and individually. These terms and conditions and the rights and remedies arising from them, are for the benefit of each entity of the Suncorp Group and their directors, officers, employees, consultants and associates
2. General Information
The information appearing in this site is for general information only and does not constitute an offer or an intention to enter into a legally binding contract.
3. Non-Australian Residents
The products and services described in this site are only available to Australian residents and may also be limited to residents of certain States or Territories of Australia only. The information provided in this site has been provided in accordance with Australian laws only and may not satisfy the laws of other countries.
4. Withdrawal of Products and Services
The products and services described in this site can be withdrawn or varied at any time without notice. All information regarding the products and services described in this site can be withdrawn or varied without notice. While every care has been taken in producing the information on this site, the Suncorp Group does not guarantee the accuracy of any such information and it should not be relied upon as being accurate or complete.
5. Terms and Conditions and Fees and Charges
Terms and conditions apply to all products and services described in this site and may be varied at any time without notice. Fees and charges also apply to all products and services and may be varied at any time without notice. Government charges, taxes and duties may also apply. Full details of the terms and conditions and the fees and charges are available on request from any Suncorp branch, by calling us on 13 11 55 or emailing us.
6. Approval
All applications for any products or services described in this site are subject to an approval process.
7. Group Responsibility
Benefits payable and obligations incurred under general insurance products are provided and incurred solely by Suncorp Metway Insurance Ltd. Benefits payable and obligations incurred under life insurance products are provided and incurred solely by Suncorp Life and Superannuation Limited. Suncorp-Metway Limited and any other subsidiaries do not guarantee the benefits payable or assume any obligation or liability including the repayment of any premium under any general or life insurance products. Entities in the Suncorp Group are not responsible or liable in respect of products or services provided by other entities in the Suncorp Group and do not guarantee the obligations or liabilities of those entities.
8. Liability
Except for responsibilities implied by law which cannot be excluded, the Suncorp Group is not responsible for any loss, damage, cost or expense incurred by you as a result of any error, omission or misrepresentation in relation to this site. Further, the Suncorp Group is not responsible for any other sites you may access via this site. Any links provided to other sites are for convenience only and the Suncorp Group will not be responsible for any loss, damage, cost or expense incurred by you in accessing such other sites.
9. Security
Any information sent over the Internet is not encrypted before transmission and the Suncorp Group cannot ensure the security of any such information. If you are not comfortable sending any information over the Internet, please call us on 13 11 55 or call into any Suncorp branch for assistance. Any information you give us may be accessed by the Suncorp Group.
10. Copyright
The information and material contained in this site relating to the Suncorp Group's products and services is subject to copyright which is owned by the Suncorp Group. For non-commercial purposes only, you may download a single copy of this site and where necessary for its use as a reference, make a single hard copy. Except as provided by the Copyright Act 1968 or any other applicable laws, no part of this site may otherwise be copied, reproduced, adapted or transmitted in any form by any process without the written consent of the Suncorp Group.
11. Investment Advice
The Suncorp Group does not provide in this site any investment, legal, financial or taxation advice as to the suitability of the products and services described in this site for your particular needs. Investment advice given in this site is general investment advice only. It does not take into account your investment objectives, financial situation and particular needs. You should assess whether the advice is appropriate to your individual investment objectives, financial situation and particular needs before making an investment decision on the basis of the general advice. You should either assess the advice yourself or seek the help of an adviser.
12. Insurance Policies
The information provided on this site does not form part of any policy issued by Suncorp Metway Insurance Limited or Suncorp Life and Superannuation Limited.
13. System Requirements
For maximum performance we recommend that you use either Internet Explorer 5.5 Service Pack 2 and above or Netscape 6.2 and above on WindowsNT, Windows95 and above. We also recommend that your browser is working on 128 bit encryption. If you would like to download the latest version of these browsers please click on the following links, Internet Explorer or Netscape.
14. Application of Laws
These terms and conditions are governed by the laws in force in Queensland, Australia and you submit to the non-exclusive jurisdiction of the courts of Queensland, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these terms and conditions or this web site.