Terms of Use and Disclaimers
The following form the Terms of Use for access to material provided by Online Business Directory Pty. Ltd. ACN. 086 248 795 ("Online Business Directory"), which is available through the Online Business Directory Web Site.

These conditions (including disclaimers) may only be amended in writing signed by an authorised officer of Online Business Directory.

Online Business Directory operates the Online Business Directory Web Site and has the right to change or discontinue any feature of the Online Business Directory Web Site, including content, hours of availability and equipment required for access.

Online Business Directory is not a party to any contract with a site visitor ("User") other than this agreement, or any contract between a User and any advertiser or service provider in the Online Business Directory Web Site or any Web Site to which there is a link.

Accuracy of information
The material contained on the site is provided in good faith and is made available for the purpose of providing access to information by business and individuals.

The material contained on this site is not made available for the purpose of rendering professional advice and is provided conditionally on the acceptance and understanding of the terms of this document.

The material is derived from sources believed to be accurate and current, as at the date indicated by reference to the "Last Updated" indicator on the specific material referred to.

The material in this Web Site includes views or recommendations of third parties expressed in articles, commentary or bulletin board services, which are not necessarily those of Online Business Directory and Online Business Directory makes no claim as to their accuracy nor does it support or recommend any particular course of action.

The listing of a company, person, organisation or any entity in any part of this Web Site does not imply any form of endorsement by Online Business Directory of the products or services provided by that company, person, organisation or entity.

Links to other Web Sites are inserted for convenience and do not constitute endorsement of material at those Web Sites, or any associated organisation, product or service.

Some material in the links to other Web Sites is produced under legislation. This material may contain some inaccuracies or be out of date. Before relying on any regulatory material, or on any other material contained in those Web Sites, the User should independently verify its accuracy, currency, completeness and relevance for the User's purpose, and should obtain appropriate professional advice.

Some material in the links to other Web Sites provides financial and investment information. It is general information only. It is not intended as investment advice and must not be relied upon as such. The User should obtain professional investment advice tailored to the User's specific circumstances prior to making any investment decisions. The User should also consult with a broker to verify pricing before conducting any securities trading.

The material provided does not, and must not be construed as providing recommendations in relation to any securities or other financial products. It does not constitute and must not be construed as an offer of securities or other financial products nor is it an invitation to take up securities or other financial products.

The companies, people, organisations and entities that it relates to maintain some of the information on this Web Site. The User should direct queries on particular information to those indicated as being responsible for that information.

Subscription information
In the event the User subscribes for any service, the User is responsible for protecting the confidentiality of the User's account name and password. The User must not make the password available to anyone else

Credit card transactions
The User is responsible for protecting against unauthorised use of the User's credit card and agrees to indemnify and keep indemnified Online Business Directory against any claims, demands or losses incurred by the User as a result of the unauthorised use of the credit card. Be aware that subject to the terms of any transaction, it is probable that there is no refund of amounts paid up-front by credit card, if the User decides to cancel a transaction.

Copyright
The Online Business Directory Web Site (and each part of it) is protected by the copyright laws of Australia. All rights are reserved. The material is provided subject to copyright. You may use this material for your own personal reference only. Except for the temporary copy held in the computer's cache and a single permanent copy for your personal reference, the material may not otherwise be used, copied, reproduced, published, stored in a retrieval system, altered, transmitted in any form or by any means, in whole or in part, without the prior written approval of Online Business Directory (except where such use constitutes fair dealing under the Copyright Act).

In the Web Sites to which Online Business Directory has established links, copyright remains with the originators and you may use this material upon the terms and conditions and within the restrictions imposed by such parties who are entitled to the copyright. While all efforts are made to ensure copyright and intellectual property of such parties are protected, Online Business Directory takes no responsibility, to the maximum extent permitted by law, for breaches of copyright in relation to such material.

Trademarks
Online Business Directory acknowledges the ownership of any registered trademarks in the Web Sites to which it has established links.

Disclaimers
Neither Online Business Directory nor their directors or employees make any representation or warranty as to the timeliness, reliability, accuracy or completeness of the material in the Online Business Directory and/or any Web Sites to which there are links, nor do they accept any responsibility arising in any way for errors in, or omissions from, that material. Online Business Directory and the authors expressly disclaim all and any liability and responsibility to any person in respect of anything, and of the consequences of anything, done or omitted to be done by such person in reliance, whether wholly or partially, upon the whole or any part of this Web Site.

Online Business Directory will not be liable for loss resulting from any action or investment decision by a any person in reliance on the information in the Online Business Directory Web Site and/or any Web Sites to which there are links, nor for any interruption, delay in operation or transmission, virus, communications failure, internet access difficulties, or malfunction in equipment or software.

To the fullest extent permitted by law all implied terms, conditions and warranties and without limiting the generality thereof, any relating to the supply of goods and services are hereby expressly excluded.

Access
By accessing the Online Business Directory Web Site the User acknowledges having read and accepted the terms and conditions of this document and the terms of use.