Terms

General Website Terms and Disclaimers

This website is operated by Medfin Australia Pty Ltd (ABN 89 070 811 148) (‘Medfin’) a wholly owned subsidiary of the National Australia Bank Limited (ABN 12 004 044 937) (‘NAB’), on behalf of Medfin, NAB and their related bodies corporate.

Its use, and the use of any service made available on this site, is subject to any agreement you have entered into with Medfin or NAB.

Medfin and NAB do not warrant or represent that the information on this website, or any information provided through a service made available on this website, is free from errors or omissions, is suitable for your intended use or is up to date. Medfin recommends that you seek independent advice before acting on any information on this site.

Subject to any terms implied by law and which cannot be excluded, and the Online Service Terms and Conditions, Medfin accepts no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by:

  • any person using this site, any service provided on this site, or any other site linked to this site; or
  • any person acting or refraining from acting on the basis of any information on this site or any other site linked to this site; or
  • any information provided through a service made available on this site

except to the extent Medfin’s fraud, negligence or misconduct (or the fraud, negligence or misconduct of Medfin’s officers, employees, contractors and agents) contributed to the relevant loss, damage cost or expense.

This notice and the information and services on this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia (‘Australian law’). The information and services on this site have been prepared in accordance with Australian law and may not satisfy the laws of any other country. They are available only to Australian residents, in relation to property in Australia, and should not be relied upon by any person in any country other than Australia. If the laws of the State or Territory where you are a resident (or if you are not an individual, where your business is located) include mandatory protections that are available to you (including because you are a small business or an individual), then this clause does not operate to exclude those protections.

Website Security

Medfin takes care to ensure that the personal information you give us on this website is protected.  For example, this website has electronic security systems in place, including the use of firewalls and data encryption. User identifiers, passwords or other access codes may also be used to control access to your personal information.

Medfin and NAB understand the importance of security to their customers. However, Medfin and NAB do not warrant or represent that any information you transmit or receive while using this site or any service made available on this site is secure.

We take the security of this website seriously. If you believe you have found a security vulnerability you can report it through our Responsible Disclosure Program

Links to Other Sites

This website may contain links to third party websites for your information and convenience. The operators of these third party sites (other than NAB) are not affiliated with Medfin or NAB.  Those other websites (other than nab.com.au) are not subject to Medfin’s privacy standards, policies and procedures. Medfin and NAB are not responsible for the content of those other websites.

Medfin and NAB do not in any way guarantee that you will be able to access those other websites. However, should you experience any problems with such links, please Contact Us and we will endeavour to have them rectified.

Usage

Upon accessing our website your usage will be tracked for transactional purposes. This is to ensure the legality of any transactions and to safeguard both you, Medfin and NAB should these transactions be, or appear to be, inaccurate.  Any information you provide is collected in accordance with Medfin’s Privacy Notification.

Products

Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this website, Medfin and NAB recommend that you consider whether it is appropriate for your circumstances. You should obtain financial advice specific to your situation before making any financial investment or insurance decision.

All products and services on this website are available to approved customers only and are subject to credit assessment. Fees and charges may apply, in addition to any fees or charges mentioned on the product or service web page. A Product Disclosure Statement (PDS), Terms & Conditions (T&C) or Financial Services Guide (FSG) may be available for products and services on this website. Refer to the product or service web page, the phone numbers listed below for specific services, or Contact Us to see if a PDS, T&C or FSG are available. If a PDS, T&C or FSG are available, Medfin and NAB recommend that you consider the PDS, T&C or FSG before making any decision about a product or service.

All products and services on this website are currently issued by:

Medfin Australia Pty Ltd (ABN 89 070 811 148, Australian Credit Licence Number 391697)

with the exception of the following:

  • Online Services on this website only apply to products provided by Medfin Australia Pty Ltd (ABN 89 070 811 148).
  • NAB Internet Banking and Telephone Banking only applies to products provided by National Australia Bank Limited (ABN 12 004 044 937, AFSL & Australian Credit Licence Number 230686).
  • Business Banking, Personal Banking, Novated Leases and Owner Occupied Home Loans, are provided by National Australia Bank Limited (ABN 12 004 044 937, AFSL & Australian Credit Licence Number 230626) in all regions.
  • Residential investment products for individuals and personal loans where the credit provider is Medfin Australia Pty Ltd (ABN 89 070 811 148, Australian Credit Licence Number 391697) as agent for National Australia Bank Limited (ABN 12 004 044 937, Australian Credit Licence Number 230686).
  • (Off Sale) Asset Insurance (excluding cars) is only available and assets (excluding cars) financed by Medfin Australia Pty Ltd (ABN 89 070 811 148). The insurer is AIG Australia Limited (ABN 93 004 727 753 AFS Licence No. 381686) (AIG) of Level 13, Tower Two, Darling Park, 201 Sussex Street, Sydney  NSW  2000 Australia. Protecsure Pty Ltd (ABN 26 094 997 163, AFSL 238815) (Protecsure) can issue, vary, renew and cancel cover under the insurance policies under a binder given to it by Chartis. Protecsure administers the Financed Asset Insurance Program on behalf of Medfin Australia Pty Ltd (ABN 89 070 811 148). Protecsure charges fees or receives commissions in respect of its various insurance products to cover its cost of product development, arranging the insurance, administration and managing claims. Medfin Australia Pty Ltd (ABN 89 070 811 148) may add up to 15% to the insurance premium to cover its costs of premium funding, marketing and administration.