1. Website

1.1 This website is owned and operated by Debtmerc Pty Ltd - ACN: 684 008 508 (Debtmerc, we, us, our).

2. Acceptance

2.1 By using this website, you agree to these Terms of Use.

2.2 If you don’t agree with these Terms of Use, please do not use this website.

3. General Information Only

3.1 The content contained on this website is for general informational purposes only.

3.2 It does not constitute legal, financial, or professional advice, and should not be relied upon as such.

3.3 You should seek independent legal, financial, or professional advice tailored to your specific circumstances before making any decisions based on the information provided on this website.

4. No Warranties or Guarantees

4.1 We endeavour to keep the information on this website up to date and accurate.

4.2 We provide no warranties, express or implied, regarding the completeness, accuracy, reliability, or availability of this website’s information, products, or Services.

4.3 If you use or rely on this information, you do so entirely at your own risk.

5. Limitation of Liability

5.1 To the maximum extent permitted by law, including the Australian Consumer Law (ACL), we are not liable for any loss or damage (including financial loss, lost data, profits, or any indirect or consequential loss) arising from your use of this website.

5.2 Nothing in this disclaimer excludes, restricts, or modifies any statutory consumer guarantees or rights that cannot be legally excluded under the ACL.

6. Indemnity

6.1 You agree to indemnify us against any loss, damage, liability, cost or expense we may occur arising from or in connection with any unlawful or unauthorised use of this Website.

7. Intellectual Property

7.1 We (and our licensors) own this website and all of its content.

7.2 You must not copy, change, share, frame, or use our logos or content without our written consent.

8. External Links

8.1 This website may contain links to external websites that we do not own or control.

8.2 We have no control over the nature, content, and availability of those websites.

8.3 Any links do not imply a recommendation or endorsement of the views expressed within them.

9. Website Availability

9.1 Every effort is made to keep the website up and running smoothly.

9.2 We take no responsibility for, and will not be liable for, the website being temporarily unavailable.

10. Amendments to these Terms of Use

10.1 We may update these Terms of Use at any time.

10.2 The updated version of these Terms of Use applies from the date it is posted.

11. Governing Law

11.1 These Terms of Use are governed by and construed in accordance with the laws of the State of New South Wales (NSW).

11.2 The parties submit to the non-exclusive jurisdiction of the courts of NSW and the courts of appeal therefrom.