Terms of Use
TERMS OF USE
Steps Financial Enterprises Pty Ltd
1. Accepting these Terms of Use
By using our website, you confirm that you accept these Terms of Use and agree to be bound by them.
2. Our Website
2.1 You must use our website in accordance with these Terms of Use, only for lawful purposes and in a way that does not infringe the rights of others or restrict or inhibit their use of the website.
2.2 Our website is provided on an “as is” and “as available” basis. While we take reasonable care in maintaining the website, we do not warrant that it will always be secure, uninterrupted, error-free, accurate, complete, or current.
2.3 We may update, modify, or carry out maintenance on our website from time to time and may suspend access without notice. We are not liable if the website is unavailable at any time or for any period.
2.4 Our website may contain links to third-party websites, information, or resources (“Third Party Links”). These are provided for convenience only.
2.5 We do not endorse, control, or accept responsibility for Third Party Links or their content and will not be liable for any loss or damage arising from their use.
3. Content
3.1 Unless otherwise stated, Steps Financial Enterprises Pty Ltd owns or licenses the intellectual property rights in the content of this website, including text, images, and design.
3.2 You retain ownership of any content you submit through the website (where applicable).
3.3 By submitting content to us, you grant us a non-exclusive, royalty-free licence to use that content solely for the purpose for which it was provided (for example, responding to an enquiry).
3.4 Personal information is handled in accordance with our Privacy Policy, available on our website.
4. Cookies
4.1 We may use cookies to improve website functionality and user experience.
4.2 Cookies are small text files stored on your device. You can manage or disable cookies through your browser settings.
4.3 Cookies may be used for:
- website functionality
- basic analytics
- security purposes
5. Advertising and Analytics
5.1 We may use third-party analytics or advertising services to better understand how our website is used. These services may collect anonymised data such as browser type; pages visited and visit duration.
5.2 We do not control how third-party providers manage their data, and their use of information is governed by their own privacy policies.
6. IP Addresses
6.1 An IP address is a number assigned to your device when accessing the internet.
6.2 We may collect IP addresses for security, system administration, or analytics purposes.
7. Enquiries and Online Forms
7.1 If you submit an enquiry or form through our website, we will collect the information you provide in order to respond to your request or provide our services.
7.2 Where applicable, information submitted through forms may be retained securely for record-keeping and compliance purposes.
8. Security of Information
8.1 We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access or disclosure.
8.2 While we use appropriate safeguards, no data transmission over the internet can be guaranteed to be completely secure.
8.3 Where permitted by law, information that is no longer required will be securely destroyed or de-identified.
9. Overseas Disclosure
9.1 We do not generally disclose personal information to overseas recipients unless required for business operations or permitted by law.
10. Liability
10.1 To the maximum extent permitted by law, Steps Financial Enterprises Pty Ltd is not liable for any loss or damage arising from your use of, or inability to use, this website.
10.2 This includes indirect, incidental, or consequential loss, loss of data, or loss of profits.
11. General
11.1 We may update these Terms of Use at any time. Continued use of the website constitutes acceptance of any changes.
11.2 If any provision of these Terms of Use is unenforceable, the remaining provisions will continue in full force and effect.
11.3 These Terms of Use do not create a relationship of employment, partnership, agency, or fiduciary duty.
11.4 These Terms of Use are governed by the laws of New South Wales, Australia.
11.5 These Terms of Use are governed by and construed under the laws of New South Wales.
11.6 Any dispute or difference arising out of these Terms of Use will be submitted to arbitration in accordance with, and subject to, the Institute of Arbitrators and Mediators Australia Fast Track Arbitration Rules. The seat of arbitration will be Sydney, Australia. The language of the arbitration will be English. The number of arbitrators will be one.