You should read these Disclaimers and Limitations of Liability carefully and seek independent legal advice if you need help. Your access to, and use of, the Website and any external website is at your sole risk.

1. None of LemSec or the directors and officers of LemSec gives any warranty, guarantee or representation about:
   • the reliability, accuracy, timeliness, completeness or otherwise, of any information provided on or accessed through the Website or any external website; or
   • the merchantability or fitness for any particular purpose for any service or product contained or referred to on or accessed through the Website or any external website.
   • You should make your own inquiries and seek independent advice from appropriate professionals or other people before acting or relying on any information provided on or accessed through the Website or any external website.
2. To the extent permitted by law, none of LemSec, or the directors and officers of LemSec accepts any responsibility for any loss or damage, caused directly or indirectly (including through negligence), which you may directly or indirectly suffer in connection with or arising from:
   • your access to, or use of, the Website or any external website; or
   • your access to, use of, or reliance on, information provided on or accessed through the Website or any external website.
     This includes but is not limited to direct or indirect consequences of you:
     • acting, or failing to act, on any information contained or referred to on the Website or any external website; or
     • using or acquiring, or your inability to use or acquire, any service or product contained or referred to on the Website or any external website.
3. None of LemSec or the directors and officers of LemSec accepts any responsibility for any loss or damage, caused directly or indirectly (including through negligence), in connection with or arising from your reliance on any information provided on or accessed through the Website or any external website.
   LemSec does not undertake to keep the Website updated.
   It remains your responsibility to make your own inquiries about the information (including but not limited to inquiries about the accuracy, completeness and usefulness of the information) and seek independent advice from appropriate professionals or other people before acting or relying on any information provided on or accessed through the Website or any external website.
4. None of LemSec or the directors and officers of LemSec gives any warranty, guarantee or representation about the security of any information you transmit to LemSec. However, LemSec will take reasonable steps to preserve the security of information you transmit to it.
5. None of LemSec or the directors and officers of LemSec accepts any responsibility for any interference or damage to your computer system which arises in connection with your access to or use of the Website or any external website. None of LemSec, any other company in the LemSec or the directors and officers of LemSec or any other company in the LemSec gives any warranty, guarantee or representation that:
   • the Website or any external website, or the server or servers that make those sites available, are free of software viruses;
   • the functions contained in any software contained on the Website or any external website will operate uninterrupted or are error free; or
   • errors and defects in the Website or any external website will be corrected.
6. You must take your own precautions to ensure that the process you use to access the Website or any external website does not expose you to the risk of viruses, malicious computer code or other forms of interference that may damage your computer system.
7. Where the information provided on the Website or any external website contains opinions, judgements or advice of third parties:
   • any of those opinions, judgements or advice given by third parties remain the responsibility of the relevant third parties, and none of LemSec or the directors and officers of LemSec gives any warranty, guarantee or representation about the accuracy, reliability, completeness or usefulness of that content or its fitness for any particular purposes;
   • none of LemSec or the directors and officers of LemSec endorses or approves the accuracy, reliability, completeness or usefulness or overall content of any of those opinions, judgements or advice; and
   • none of LemSec or the directors and officers of LemSec accepts any responsibility for any defamatory, offensive or illegal conduct of any third party.
8. None of LemSec or the directors and officers of LemSec accepts any responsibility for the following things, however caused:
   • errors or omissions in the Website or any external website; and
   • defamatory, offensive or illegal conduct of any user of the Website or any external website.
9. All conditions or warranties which could be implied into the Terms and Conditions are excluded to the extent permitted by law. Where an implied condition or warranty can't be excluded, the liability of LemSec and the directors and officers of LemSec will be limited:
10. for a breach relating to services supplied or offered, the limitation will be to the re-supply of the services or the payment of the cost of having the services re-supplied; and
11. for a breach relating to goods supplied or offered, the limitation will be to the replacement of goods or the supply of equivalent goods, the repair of goods, the payment of the cost of having the goods replaced or acquiring equivalent goods, or the payment of the cost of having the goods repaired.
    However where these limitations are prohibited the limitations will be to the maximum extent permitted by legislation.
12. None of the disclaimers or limitations of liability appearing above attempt to exclude liability arising under legislation if, and to the extent, that liability cannot be lawfully excluded.
    

     

    Indemnity
    You indemnify, and will keep indemnified, LemSec, its directors, officers, employees, servants, agents and contractors against, and must pay each of them on demand, the amount of all losses, damages, claims, demands, actions, proceedings, costs and expenses (including legal fees), caused directly or indirectly, in connection with or arising from:
    • failure by you to comply with the Terms and Conditions;
    • reliance by you on any information provided on or through accessing the Website or any external website;
    • your access to, or use of, the Website or any external website; or
    • access to, use of, or reliance on, any information provided on or through accessing the Website or any external website by any person accessing that information through the Website or any external website.

 

External Websites
For your convenience, the Website contains references or links to other websites which may in turn refer or link to other references or links. None of LemSec, any other company in the LemSec or the directors and officers of LemSec or any other company in the LemSec:
• gives any warranty, guarantee or representation about the reliability, accuracy, timeliness, completeness or otherwise, of any information contained on any external website;
• is responsible for any opinions, representations, warranties, guarantees, offers, invitations, information or practices of any external website; and
• controls, endorses, approves or recommends anything contained on or relating to information, products or services referred to or contained on any external website unless and to the extent expressly stated otherwise by LemSec or any other company in the LemSec.

 

Privacy Policy
You must read LemSec's Privacy Policy which forms part of the Terms and Conditions. Click here for LemSec's Privacy Policy.


 

Fraud
LemSec are committed to providing the highest quality of services to its clients in a trusted environment. Internet fraud is a major concern for financial services providers worldwide. Most Internet and email scams usually involve an email claiming to be from your financial service provider. It usually asks you to send your account details such as your password or PIN, either by return email or through a website link. The fraudsters may use various tricks to lower your guard such as security and maintenance upgrade, investigation of irregularities or bills or charges due. Here are some safety checks you may find helpful:
• suspect a scam if you are asked for your account details via email;
• never access the Website from links in emails or Internet links;
• keep your computer secure by updating your virus protection on a regular basis and delete suspicious emails without opening them;
• only go to the Website by typing in the Website address in the address bar of your web browser or by using your 'favourites';
• take privacy precautions and keep your logon details and password secret;
• avoid personal transactions at public places like Internet cafes, community centres and libraries; and
• regularly check the services provided to you by LemSec or any other company in the LemSec for unauthorised transactions.
LemSec will not request personal information such as login ID or bank details via emails. Contact LemSec immediately if you receive any emails or web links from LemSec that requests any personal information that relates to the services that any of them provide to you.
You can obtain more information on fraud from FIDO, the consumer section of the Australian Securities and Investments Commission website.

 

Termination
1. LemSec may terminate access to the Website without notice to you at any time for any reason without giving you any explanation or justification.
2. None of LemSec or the directors and officers of LemSec accepts any responsibility for any loss or damage caused directly or indirectly in connection with or arising from terminating access to the Website.
3. The operation of all disclaimers, limitations of liability and indemnities contained in the Terms and Conditions will survive termination of access and use.

 

Waiver of Rights
If LemSec waives any of its rights under the Terms and Conditions, it may decide not to waive that right or those rights in the future.


 

Access on Mobile Phones
You may access, view and download some of the content from the Website on your mobile phone. LemSec offers content on the Website without charge but you should consult your telecommunications service provider to see what carrier charges you may incur.

 

Changing Terms and Conditions
LemSec may change the Terms and Conditions without notice to you at any time for any reason without giving you any explanation or justification.


 

Governing Law
The Terms and Conditions are governed by and interpreted in accordance with the law in force in New South Wales. You submit to the exclusive jurisdiction of the courts of New South Wales.


 

Your Acceptance of Terms and Conditions
By continuing to use the Website, you acknowledge that you have read and understood all the Terms and Conditions and agree to be bound by them. If this is not the case, you must stop using the Website immediately.