Terms of Use

1. About these Terms

These Terms of Use govern your access to and use of www.NewcombFinance.com.au, including its content, features, forms and services.

The website is operated by Julie Vigor trading as Connect & Rise (ABN 42 720 696 568).

In these Terms, “we”, “us” and “our” refer to Connect & Rise, while “you” and “your” refer to anyone who accesses or uses this website.

By accessing or using this website, you agree to these Terms and our Privacy Policy. If you do not agree, please stop using the website.

2. About our website

This website provides information about financial services related to personal and commercial assets. Unless expressly stated otherwise, website content is provided for general information only. Your use of the website does not automatically create a professional, advisory, supplier, customer or other contractual relationship with us.

A separate agreement, quotation, proposal, order confirmation or service contract may apply when you purchase or engage us to provide products or services. If there is an inconsistency, the separately agreed terms will apply to the extent of that inconsistency.

3. Eligibility

You must be at least 18 years old and legally capable of entering into an agreement to purchase products or services through this website. If you use the website on behalf of a business or another person, you confirm that you have authority to act for and bind that party. If you are under 18, you may only use the website with the involvement and permission of a parent or legal guardian.

4. Acceptable use

You may use this website only for lawful purposes and in accordance with these Terms. You must not:

1. Use the website for unlawful, fraudulent or misleading purposes
2. Attempt to gain unauthorised access to the website, server, accounts or connected systems
3. Introduce malware, viruses or other harmful technology
4. Interfere with the website’s operation, security or availability
5. Use automated tools to scrape, harvest or extract website content or data without written permission
6. Copy, reproduce, republish or commercially exploit website content without permission
7. Impersonate another person or misrepresent your identity or authority
8. Submit false, defamatory, offensive, infringing or unlawful material
9. Use the website to send spam or unsolicited communications
10. Circumvent security, access-control or usage restrictions
11. Use the website in a way that could damage our reputation or the rights of another person
12. Assist another person to engage in any prohibited conduct

We may take reasonable steps to restrict or suspend access where necessary to protect the website, our business, our users or another person.

5. Accuracy of information

We aim to keep website information accurate and current. However, information may be incomplete, contain errors or become outdated. Images, examples, case studies, descriptions, prices, availability, specifications and results are provided for general guidance unless expressly incorporated into a written agreement. You should confirm important information with us before relying on it or making a purchasing, financial or business decision.

6. No professional advice

You should obtain advice appropriate to your circumstances from a qualified professional before acting or relying on website content.

Nothing on this website creates a professional adviser-client relationship unless we expressly agree to provide professional services under a separate written agreement.

7. Enquiries, forms and communications

When you submit a form or contact us through the website, you confirm that:

1. The information you provide is accurate and not misleading
2. You are authorised to provide that information
3. We may use the information to respond to your request
4. Submitting a form does not guarantee that we will accept an engagement, order, booking or application

We may contact you using the details supplied for purposes connected with your enquiry, requested service or existing business relationship. Our handling of personal information is explained in our Privacy Policy at www.JulieVigor.com/privacy-policy.

8. Quotations and service information

Any quotation, estimate, package, time frame or service description displayed on the website is indicative unless expressly stated otherwise. Final scope, deliverables, pricing, payment terms and time frames may be confirmed through a separate quotation, proposal, order or agreement. Unless expressly stated, website prices:

1. May change without notice before an order or agreement is accepted
2. Do not include third-party costs, delivery, travel or other additional charges

9. Online purchases

1. Not applicable.

10. Promotions and special offers

Promotions, competitions, discount codes and special offers may be subject to additional conditions displayed with the relevant offer. Unless stated otherwise:

1. Offers cannot be exchanged for cash
2. Discounts cannot be combined
3. Offers are subject to availability
4. Eligibility restrictions may apply
5. Offers must be redeemed within the stated period

If specific promotional conditions conflict with these Terms, the specific promotional conditions apply to that promotion.

11. Intellectual property

Unless stated otherwise, the website and its contents are owned by or licensed to Newcomb Finance Pty Ltd. Protected content may include:

1. Text and written materials
2. Business names and trade marks
3. Logos and graphics
4. Photographs and illustrations
5. Videos and audio
6. Downloads and documents
7. Designs and layouts
8. Software and source code
9. Databases, systems and processes

You may view the website and download or print reasonable portions for personal, non-commercial use. You must not reproduce, modify, distribute, publish, sell, license, commercially exploit or create derivative works from website content without prior written permission, except where permitted by law. Nothing in these Terms transfers intellectual property rights to you.

12. Materials you submit

If you submit information, files, reviews, testimonials, images, comments or other material through the website, you confirm that:

1. The material is accurate to the best of your knowledge
2. You have the right to provide it
3. It does not infringe another person’s rights
4. It is not unlawful, defamatory, deceptive, harmful or confidential to another person
5. Our authorised use of it will not breach any applicable law

You retain ownership of your material. You grant us a non-exclusive licence to store, reproduce and use the material as reasonably necessary to respond to you, provide the requested service, administer the website and fulfil the purpose for which it was submitted. We will obtain additional permission before publicly using an identifiable testimonial, image or other submitted material for promotional purposes where consent is required.

13. Third-party websites and services

The website may contain links to third-party websites, platforms, applications or services. Links are provided for convenience and do not necessarily indicate endorsement or control. We are not responsible for the availability, accuracy, security, content or practices of third-party services. Your dealings with a third party are subject to that party’s terms and privacy practices. You should assess third-party services before using them or providing personal information.

14. Privacy

Our collection and handling of personal information is described in our Privacy Policy:

1. www.JulieVigor.com/privacy-policy

By submitting personal information through the website, you acknowledge that it will be handled as described in that policy and any collection notice displayed when the information is collected.

15. Website availability and security

We aim to keep the website available and functioning properly but do not guarantee uninterrupted, error-free or completely secure access. The website may be unavailable because of:

1. Maintenance or updates
2. Hosting or network interruptions
3. Cybersecurity incidents
4. Third-party service failures
5. Events outside our reasonable control

You are responsible for using suitable security software, maintaining backups and taking reasonable precautions when accessing online services. We may change, suspend or discontinue website content or functionality where reasonably necessary.

16. Australian Consumer Law

Our products and services may come with consumer guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies any right, guarantee, condition, warranty or remedy that cannot lawfully be excluded, restricted or modified. Where the Australian Consumer Law applies, your rights may include repair, replacement, refund, cancellation, resupply or compensation, depending on the circumstances. Any voluntary warranty, refund policy or service commitment we provide operates in addition to your statutory rights.

17. Disclaimers

Subject to the Australian Consumer Law and any other rights that cannot legally be excluded:

1. Website content is provided on an “as available” basis
2. We do not guarantee that all content is complete, current or suitable for every purpose
3. We do not guarantee that using the website will produce a particular commercial, financial or personal result
4. You remain responsible for decisions made using website information
5. You should independently verify important information and obtain professional advice where appropriate

Any disclaimer in these Terms applies only to the extent permitted by law.

18. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special or consequential loss arising solely from your use of, or inability to use, the website. This may include loss arising from:

1. Reliance on general website information
2. Third-party links or services
3. Temporary website unavailability
4. Unauthorised conduct outside our reasonable control
5. Your failure to protect account or device security

This limitation does not apply where the loss results from our fraud, wilful misconduct, breach of a non-excludable statutory guarantee or another liability that cannot lawfully be excluded or limited. Where liability cannot be excluded but may lawfully be limited, our liability will be limited only to the extent permitted and reasonable in the circumstances.

19. Responsibility for breaches

You are responsible for reasonably foreseeable loss we suffer to the extent it is directly caused by:

1. Your material breach of these Terms
2. Your unlawful use of the website
3. Material you submit that infringes another person’s rights
4. Your fraudulent or deliberately harmful conduct

Your responsibility will be reduced to the extent that our actions or omissions contributed to the loss. Nothing in this section requires you to compensate us for loss that is remote, unreasonable or caused by matters outside your control.

20. Suspension and termination

We may suspend or restrict access to the website where reasonably necessary to:

1. Investigate suspected unlawful or harmful conduct
2. Protect users, systems or third parties
3. Prevent a material breach of these Terms
4. Perform maintenance
5. Comply with a legal obligation

Where practical and appropriate, we will provide notice and an opportunity to address the issue. Rights and obligations intended to continue after access ends will survive, including provisions relating to intellectual property, liability and dispute resolution.

21. Changes to these Terms

We may update these Terms to reflect changes to:

1. The website
2. Our products or services
3. Business practices
4. Technology
5. Legal or regulatory requirements

The updated Terms will be published on this webpage with a revised “Last updated” date. Changes apply prospectively from the stated effective date. If a material change affects an existing paid service or contractual commitment, we will provide any notice required by law or the applicable agreement.

22. Dispute resolution

If a dispute arises in connection with the website or these Terms, either party should first notify the other in writing and provide reasonable details of the issue. The parties should attempt to resolve the dispute in good faith through direct discussion. This section does not prevent either party from:

1. Seeking urgent injunctive relief
2. Exercising rights under the Australian Consumer Law
3. Contacting a regulator or consumer protection body
4. Commencing legal proceedings where necessary

23. General provisions

If part of these Terms is found to be invalid or unenforceable, that part will be read down or removed to the minimum extent necessary. The remaining provisions will continue to apply. A delay in exercising a right does not waive that right. These Terms operate together with any additional terms, policies or agreements expressly applying to a particular service, transaction or website feature.

24. Governing law

These Terms are governed by the laws of Queensland, Australia. Subject to any rights you have to bring proceedings elsewhere, the parties submit to the courts of Queensland and the courts entitled to hear appeals from those courts.

25. Contact us

If you have questions concerning these terms, please Contact Us.

1. Business: Julie Vigor trading as Connect & Rise
2. ABN: 42 720 696 568