Website Terms of Use

By accessing our websites, you acknowledge that you have read, understood, and agree to be bound by these Website Terms of Use, together with our Privacy Policy, Disclaimer, Salary Packaging Terms and Conditions (where applicable), and any other policies or notices published on our websites. If you use any NSP service, separate service-specific terms may also apply.

You may use our websites for lawful purposes only and in accordance with these Website Terms of Use. You must not use our websites in any way that: • Breaches any applicable law or regulation • Uploads, posts, transmits, or distributes unlawful, misleading, defamatory, obscene, harmful, or otherwise objectionable material • Transmits viruses, malware, or other malicious code • Interferes with the operation, security, or availability of our websites • Attempts unauthorised access to any system, network, server, portal, or data • Scrapes, harvests, copies, or extracts content or data using automated means without our prior written consent You are responsible for ensuring that any information you rely on from our websites is suitable for your circumstances.

The content on our websites is provided for general information only. It does not constitute financial advice, taxation advice, legal advice, credit advice, or personal advice of any kind. While we take reasonable care in preparing website content, you should not rely on our websites as a substitute for professional advice tailored to your individual circumstances. Before acting on any information on our websites, you should obtain independent professional advice where appropriate. Credit assistance is provided by Shante Pty Ltd trading as National Salary Packaging, ABN 80 110 261 768, Australian Credit Licence 409538. Credit criteria, conditions, and fees apply.

Our website platform includes an AI-powered assistant designed to answer general questions about salary packaging and NSP's services. You acknowledge that: • AI-generated responses are produced automatically and are for general information purposes only. They do not constitute financial, tax, legal, or credit advice and should not be relied upon as such. • AI responses may not always be accurate, complete, or current. • NSP does not guarantee the accuracy of any AI-generated response. • You should always verify information with an NSP consultant before making any decisions about your salary packaging arrangement. • NSP is not liable for any loss or damage arising from your reliance on AI-generated content.

Our websites include online forms through which you may submit personal and financial information in connection with salary packaging applications, enquiries, claims, and other services. By submitting a form on our websites, you confirm that: • All information you provide is true, accurate, and complete to the best of your knowledge. • NSP will collect and handle your information in accordance with our Privacy Policy. • Submitting a form does not guarantee approval of any application or eligibility for any benefit. • You accept responsibility for any consequences arising from information you provide that is inaccurate, incomplete, or misleading.

Parts of our websites and online services are delivered through third-party technology platforms, including Base44 (nationalsalarypackaging.com) and WordPress (nationalsalarypackaging.com.au). These platforms are operated by independent third parties and are subject to their own terms of service and privacy policies. NSP is not responsible for any unavailability, error, or data loss arising from third-party platform failures, maintenance, or changes outside NSP's reasonable control. Where third-party platforms process your personal information, this is disclosed in our Privacy Policy.

Unless otherwise stated, all content on our websites is owned by or licensed to Shante Pty Ltd trading as National Salary Packaging. This includes text, graphics, logos, branding, layout and design, images, video and audio content, downloadable materials, software and code, and website structure and functionality. You may view and print content from our websites for your personal, non-commercial use only, provided you: • Do not modify the content • Do not remove copyright or proprietary notices • Do not reproduce or republish content for commercial purposes • Do not create derivative works from website content • Do not frame or mirror any part of our websites without our prior written consent No intellectual property rights are transferred to you by your use of our websites.

Our websites may contain links to third-party websites for convenience only. We do not control and are not responsible for the content, availability, security, or privacy practices of third-party websites. A link on our website does not constitute endorsement by NSP. You access third-party websites at your own risk.

We aim to keep our websites available and functioning properly, but we do not guarantee that our websites will always be available, uninterrupted, secure, or error-free. We may suspend, withdraw, modify, or discontinue any part of our websites at any time without notice. To the maximum extent permitted by law, we are not liable for any unavailability, interruption, or delay affecting our websites.

If you are provided with login details for any client portal, employee portal, calculator, or other restricted area of our websites, you are responsible for maintaining the confidentiality of your login credentials. You must: • Keep your username and password secure • Not share your login details with any other person • Notify us immediately if you suspect unauthorised access or misuse • Take reasonable steps to prevent unauthorised use of your account You are responsible for activity that occurs under your login where you have failed to keep your credentials secure.

To the maximum extent permitted by law, our websites are provided on an "as is" and "as available" basis. We do not warrant that: • Website content is accurate, complete, or current at all times • Our websites will be uninterrupted or error-free • Our websites are free from viruses or harmful components • Our websites will meet your specific needs or expectations

To the maximum extent permitted by law, NSP and its directors, officers, employees, contractors, and agents exclude liability for any loss, damage, cost, or expense arising from or in connection with: • Your use of, or inability to use, our websites • Reliance on information published on our websites including AI-generated content • Errors, omissions, interruptions, or delays in website content • Viruses or harmful code transmitted through our websites • Unauthorised access to or alteration of data • Third-party platform failures or outages • Third-party websites linked from our websites This includes indirect, incidental, consequential, or economic loss, including loss of profit, loss of opportunity, loss of goodwill, or loss of data. Nothing in these Website Terms of Use excludes, restricts, or modifies any rights or remedies you may have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where liability cannot be excluded, our liability is limited to the maximum extent permitted by law.

Our handling of personal information collected through our websites is governed by our Privacy Policy, available at nationalsalarypackaging.com.au/privacy. By using our websites, you acknowledge that you have read our Privacy Policy.

We may update these Website Terms of Use from time to time by publishing a revised version on our websites. Where changes are material, we will take reasonable steps to notify registered users. The updated version will apply from the date it is published. Your continued use of our websites after changes are published constitutes acceptance of the updated terms.

These Website Terms of Use are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland and the Commonwealth of Australia.