Disclaimer

• The information on this website is general information provided as a guide to the steps involved in borrowing money and buying and selling property. The information on this website is not legal, financial or real estate advice and is not suitably relied on by you as such advice. You should obtain professional legal, financial and real estate advice before applying for any loan or purchasing any property. FML excludes all liability for loss or damage suffered by you as a result of your reliance on the information on this website.
  
  
• This website contains content and links to content provided and maintained by third parties ("Third Party Content"). FML makes no representation or warranty as to the accuracy or reliability of any of the Third Party content and excludes all liability for loss or damage suffered by you as a result of your reliance on the Third Party Content.
  
  
• This website contains calculators which give various figures including estimates as to how much you may be able to borrow. You acknowledge and agree that:
  • the results shown by the calculators on this website are a guide only and actual figures may vary;
  • formal loan approval is subject to acceptance of a formal loan application submitted to the lender.
  • this website contains the details of the terms and conditions of various loans. You acknowledge and agree that:
  • interest rates are subject to variation and that this information is only current as at the date of currency specified;
  • you should confirm the details of loans by calling our office on any of the numbers on the Contact Page;
     
• To the maximum extent permitted by law, FML does not give any warranty in relation to the content, accuracy, source or any other aspect of the information contained on this website and any condition or warranty which would otherwise be implied in relation to your use of this website is hereby excluded.  To the extent that FML's liability cannot be legally excluded, FML's liability will be limited to the provision of the service again or the cost of providing the service again.
   
• In no event shall FML be liable for any loss of profits, savings, contracts, revenue, interest or goodwill or for any consequential, indirect, incidental, special or punitive loss, damage or expenses or loss or damage to data even if it has been advised of their possible existence.

• this website is designed to be used in conjunction with the following web browsers and that you may experience difficulties with use and access to this website unless you use such browsers:
  
  

  • Internet Explorer 5 or greater,
  • Netscape 5 or greater.
    
• the Internet is not error or fault free and that you may experience interruptions and difficulties accessing this website from time to time;a.   we may immediately and without notice suspend the operation of this website;
  
  

  • during any technical failure, modification or maintenance involving the website;
  • or if we, acting reasonably, deem it necessary to protect against fraudulent or illegal use or to otherwise protect us or our service providers from legal liability.

• We may provide you with a username, password, telephone number and other information to enable access parts of this website. You agree that you;
  
  

  • must not use the username and password for multiple concurrent logins;
  • must maintain the secrecy of the username and password and must not disclose details of this information to any other person;
  • will notify us immediately of any unauthorised use of your username and password. 

2. You are aware that it may be possible for a third party to obtain your username and password by unauthorised means via your computer. It is your responsibility to take steps to prevent this from occurring, by means such as regularly changing your password and installing security software on your computer.

1. Hack into this website or our computer systems. Hacking means malicious damage or interference and includes, without limitation, mail bombing, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or website;
    
2. use robots or any other automated system to take information or data from this website.