Scroll to top
  • Suite 1703A, Level 17, 1 Bligh St Sydney NSW 2000

Acceptance of terms and conditions

Welcome to (the ‘Website’), an online, collaborative website and publishing service that aims to provide valuable information on business finance. The Web site, service and network (collectively, the ‘Service’) is operated by NWC Finance and its corporate affiliates (collectively, ‘us’ or ‘we’). By accessing or using our Website at , you (the ‘User’) agree that you have read, understand and agree to be bound by these Terms of Use (‘Terms of Use’ or ‘Agreement’), whether or not you are a registered member (‘Member’) of the Service. We reserve the right, at our sole discretion, to change, modify, add, or delete portions of these Terms of Use at any time without notice. If we do this, we will post the changes to these Terms of Use on this web page and will indicate at the top of the Terms of Use the date they were last revised. Any new Terms of Use are effective upon posting and your continued use of the Service after such posting constitutes your acceptance of the new Terms of Use. If you do not agree to abide by these or any future Terms of Use, we ask that you do not use or access (or continue to use or access) the Service. It is your responsibility to regularly review the Terms of Use to determine if there have been changes.

Please read the remainder of these Terms of Use carefully as they contain important information regarding your legal rights, remedies and obligations.

Terms of Agreement

This Agreement shall remain in full force and effect while you use the Services or are a Member. You may delete your account and end your membership at any time, for any reason by writing to [email protected]. NWC Finance may terminate your membership for any reason, at any time. Even after termination, your obligations under this Agreement will remain in effect. You understand that termination of this Agreement and your account may involve deletion of your information from our live databases as well as any Member Content that you have uploaded to the Service or created on the Service using your account. You agree that will not have any liability whatsoever to you for any termination of your account or related deletion of your information or Member Content.

Use of Web Site

In your use of this website, you agree not to do anything that may cause undue inconvenience, disruption or offence to, or that may affect the security or operation of this website, any services offered via this website or any network or system underlying or connected to them (including without limitation, by using a robot, spider, scraper or other automated means to access this website or feature on it for any purpose). reserves the right to terminate your use of this website in the event that you breach any of the Terms and you agree to indemnify , against the consequences of your breach.


You acknowledge that reserves the right to charge for Services and to change our fees from time to time in its discretion, upon posting such policy on the Service. Thereafter, upon using our Services, you will be responsible for the payment of any applicable fees as set forth on the Service.

Conditions of Sale

Eligibility and Credit Card Terms To order any books or other products, you must be at least eighteen (18) years of age or the applicable age of majority in your jurisdiction. You will be required to give us a valid credit card number (VISA, MasterCard, American Express or any other issuer then accepted by us) and associated payment information at the time you order books or any other products hereunder, including all of the following:

  • Your name as it appears on the card
  • The credit card type
  • The date of expiration of your credit card
  • Billing address
  • Any activation numbers or codes needed to charge your credit card. does not accept cash, checks or any other payment form, although it reserves the right to change this policy in the future. Your credit card issuer agreement governs your use of your designated credit card, and you must refer to that agreement and not this Agreement to determine your rights and liabilities as a cardholder. You agree that no additional notice or consent is required before invoices the credit card for all amounts due and payable. By providing with your credit card number and associated payment information, you agree that is authorised to immediately invoice your account for all fees and charges due and payable to as a result of your purchase of any books or other products. You agree to immediately notify of any change in the credit card used for payment hereunder or in any associated information. reserves the right, at any time, to change its prices and billing methods for books and other products sold, either immediately upon posting on the Service or by e-mail delivery to you.
Any arrangements between you and any third-party supplier that advertises products on or through this website (such as payment terms, delivery dates for products or services, warranties or representations associated with such products or services) are made between you and the relevant third-party supplier. Unless stated otherwise, has no liability whatsoever in relation to these arrangements.

Fees and Charges

You agree to pay all fees and charges incurred in connection with your orders and purchases (including any taxes imposed on your orders and purchases, including, but not limited to, applicable shipping fees, sales, use or value-added taxes) at the rates in effect when the charges were incurred. Fees charged for goods and services may change at any time without advanced notice. may automatically charge and withhold such fees and charges for orders to be delivered to addresses within any jurisdictions that it deems is required. When you order books or other products for overseas delivery, shipments may be subject to import duties and taxes, which are levied when the package with the books or products arrives at the destination that you specified. Any charges for customs clearance shall be borne by you, as has no control over such charges and cannot foresee the amount charged (if any). You agree that you are the importer of record for goods and services you order and you shall comply with all laws and regulations of the destination country.


Notwithstanding that may facilitate payment for some items by credit card is in no way involved in the transaction itself, and responsibility for any refund rests with the user to settle any dispute with the credit card payment company, and or PayPal©
You must notify us in writing within seven (7) days after receiving your credit card statement, if you dispute any of our charges on that statement or such dispute will be deemed waived. Such notification shall be sent to the following address: [email protected]


You agree not to create any links from any external websites to this website (including deep links) except with the prior express written permission of


You expressly understand and agree that your use of the service is at your sole risk. The preparation and provision of the information on this website has been made in good faith. While all due care has been taken, does not give any warranty that any information contained is accurate. does not invite any visitor to this website to act upon any information within this website. While we provide links to other websites, we do not necessarily endorse those sites or their content and we have no control over the conduct of the companies or organisations operating those sites.

Error Free does not represent or warrant that this website will be uninterrupted, timely, secure or error-free, free of any viruses or bugs, that any information (including feedback) provided on the website is error-free or compatible with any other software or material. In addition, accepts no liability for images, photos or other information that is posted to the website but is lost, damaged or corrupted.

Password and Account Security

When you sign up to become a Member, you will be asked to choose a password. It is your responsibility to maintain the confidentiality of your password. You agree not to use the account, email address or password of any other Member at any time. You are solely responsible for all activity by anyone using your account and/or password. If you suspect unauthorized use of your account or your password, please contact us at [email protected]
In selecting passwords we recommend the password you select should not relate to any readily accessible data such as your name, birth date, address, telephone number, driver’s licence, licence plate or passport. Nor may it be an obvious combination of letters and numbers, including sequential or same numbers or letters. You are entirely responsible for maintaining the security of your login ID and password, and for all activity that occurs on or through your login ID and password, whether authorised or unauthorised. You should change your password immediately if you believe that your login ID and password have been used without authorisation. shall not have any liability for your failure to comply with these obligations. You agree that all information provided to by you in relation to any login ID and password shall be current, complete and accurate.

Member Conduct

You understand that the Service is available for your personal, non-commercial use only. You agree that no Member Content of any kind submitted by your or through your account will violate or infringe upon the safety or rights of any third party, including but not limited to copyright, trademark, privacy or other personal or proprietary rights or contain libellous, defamatory or otherwise unlawful or illegal material. You further agree not to scrape, harvest or collect email addresses or other contact information of Members from the Service by electronic or other means for any commercial purpose, for sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Service or for any purpose. You further agree that you may not use Service in any unlawful manner or in any other manner that could damage, disable, overburden or impair Service. In addition, you agree not to use the Service to:

  • Upload, post, email, transmit or otherwise make available any Member Content that we deem, in our sole discretion, to be harmful, threatening, abusive, deceitful, misleading, harassing, vulgar, offensive, obscene, hateful, or racially, ethnically or otherwise objectionable;
  • Impersonate any person or entity, or falsely state or otherwise misrepresent yourself or your affiliation with any person or entity;
  • Upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, bulk email, advertisements, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation;
  • Upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • Intimidate or harass another; or
  • Use or attempt to use another account, service or system without authorization from or create a false identity on this Service.

Proprietary Rights in Content on the Service

All content on the Service, including but not limited to design, text, graphics, other files, and their selection and arrangement (the Content) and all associated patent, trademark, service mark, trade dress, trade secret, copyright, and other intellectual property rights, are the property of its licensors. All rights reserved. The Content may not be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without prior written permission under a separate agreement. You may download or print a copy of any portion of the Content solely for your personal, non-commercial use, provided that you keep all copyright or other proprietary notices intact. You may not republish Content on any Internet, Intranet or Extranet site or incorporate any of the Content in any other database or compilation. Any other use of the Content is strictly prohibited.
All trademarks, logos, trade dress and service marks on the Service are the sole property of or its licensors and may not be copied, imitated, or used, in whole or in part, without the prior written permission of under a separate agreement.

Member Content Posted on the Service

You are solely responsible for the content, text, information, photos, video, audio, images, graphics, or profile information that you publish or display (hereinafter post) on the Service, or transmit to other Members through the Service (collectively the Member Content). You understand and agree that may, but is not obligated to, review and delete or remove any Member Content that in the sole judgment of violates this Agreement or for any other reason.
By posting Member Content to any part of the Service, you hereby grant, and you represent and warrant that you have the right to grant, to an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, perform, display, modify, publish, reformat, translate, excerpt (in whole or in part) and distribute such Member Content and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sublicenses to do the foregoing.

Copyright Policy

We respect the intellectual property rights of others. If you are a copyright owner or an agent thereof and believe that any Content or any material on the Service infringes upon your copyrights, you may submit a notification to Please supply;

  • A physical or electronic signature of the owner of the right that is allegedly infringed or a person authorized to act on their behalf;
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of the copyrighted works;
  • Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material on the Service;
  • Information reasonably sufficient to permit us to contact the owner or agent, such as an address, telephone number, and email address;
  • A statement that the owner or agent has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that the information in the notification is accurate, and under penalty of perjury, that you are the owner or are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Links to Other Web Sites

The Service contains links to other web sites. not responsible for the content, accuracy or opinions expressed in such web sites, and such web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked web site on the Service does not imply approval or endorsement of the linked web site by If you decide to access these third-party web sites, you do so at your own risk.
Any arrangements between you and any third party supplier that advertises products on or through this website (such as payment terms, delivery dates for products or services, warranties or representations associated with such products or services) are made between you and the relevant third party supplier. Unless stated otherwise, has no liability whatsoever in relation to these arrangements.

Member Disputes

You are solely responsible for your interactions with other Members. reserves the right, but has no obligation, to monitor disputes between you and other Members.

Acting on Instruction

All instructions received by through the website, by a facsimile, email or other written method, shall be deemed to have been properly given by you and may be operated on accordingly. You agree that may, but shall not be obliged to, refuse or omit to act upon an instruction if it believes it has reasonable grounds to do so which shall include, but not be limited to, the need to check or verify any information. shall use all reasonable efforts to act on a countermand of an instruction sent by you provided that if is not able to countermand an instruction having used all reasonable efforts it shall not be liable to you for failing to action the countermand.

Privacy about the privacy of its Members. View Our Privacy Policy, which is incorporated into this Terms of Use.

Disclaimers is not responsible for any Member Content, including Member Content that violates this Terms of Use or is offensive, incorrect or inaccurate, whether such condition is caused by users of the Service, Members or by any of the equipment or programming associated with or utilized in the Service. is not responsible for the conduct, whether online or offline, of any user or Member of the Service. You understand that the Service may be temporarily unavailable from time to time. WWW.NWCFINANCE.COM.AU DOES NOT ENDORSE, GUARANTEE, REPRESENT OR WARRANT THE BOOKS, PRODUCTS, CONTENT, ADVERTISEMENTS, OR ANY MEMBER CONTENT ON THE SERVICE. assumes no responsibility for any error, omission, interruption, unavailability, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, user or Member communications. is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any web site or combination thereof, including injury or damage to users and/or Members or to any other person‚ computer related to or resulting from participating or downloading materials in connection with the INTERNET and/or in connection with the Service. Under no circumstances will be responsible for any loss or damage resulting from anyone’s use of the Service, any content posted on the SERVICE or transmitted to Members, or any interactions between users of the SERVICE, whether online or offline. THE SERVICE AND THE CONTENT ARE PROVIDED AS-IS AND AS-AVAILABLE, AND WWW.NWCFINANCE.COM.AU DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NWCFINANCE.COM.AU CANNOT GUARANTEE AND DOES NOT PROMISE AVAILABILITY OF THE SERVICE OR ANY SPECIFIC RESULTS FROM USE OF THE SERVICE. THIS SECTION SHALL APPLY TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW.

Limitation on Liability


Governing Law and Venue

The Terms of Use and any dispute about or involving the Service will be governed by the laws of the Commonwealth Government of Australia.
You agree to indemnify and hold its subsidiaries, affiliates, officers, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney’s fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement or your violation of any law or the rights of a third party.


You shall be liable to for reasonably foreseeable costs (including settlement and legal fees), damages, losses or expenses that may incur, suffer or become liable for as a result of:

  • Your breach of these Terms and Conditions;
  • Your intentional misuse of the website;
  • Your negligent acts errors or omissions;

Any claim, suit, action or proceeding brought by a third party against as a result of the matters set out in this clause except to the extent that at fault through any act or omission.


These Terms of Use constitute the entire agreement between you and regarding the use of the Service, superseding any prior agreements between you and relating to your use of the Service. The failure of to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. may assign its rights under this Agreement to any third party without notice or consent. By using the Service, you consent to us contacting you via email or other electronic means. To opt out receiving electronic communications, email us at [email protected]

Non Circumvention

You expressly agree not to directly or indirectly contact, deal with, transact or otherwise be involved with any corporation, partnership, proprietorship, trust, individual, or other entities introduced by us to you without our specific written permission. You agree to not directly or indirectly circumvent, avoid or bypass us regarding renewals, corporation, partnership, proprietorship, trust, individual, or other entities introduced by us. You agree not to disclose or otherwise reveal to any other third party information disclosed by us to you without our specific written permission.