Terms and Conditions of Use


By viewing, accessing or using the BIR Financial Limited (BIR) website (‘and any online or mobile app service (Site’), including any liked page or related content, you agree to be bound by and accept the following terms and conditions including any changes.

Site content

BIR provides information and material on the Site (Content) without warranties of any kind either express or implied. To the fullest extent possible under the law BIR disclaims all warranties including (but not limited to) implied warranties of merchantability and fitness for a particular purpose. The placement of material from other entities on the Site in no way serves as a warranty or representation as to the fitness of such entities.

BIR provides the Content for information purposes only. Information may not be accurate, complete or current. BIR does not accept liability to any person for the information or advice provided on the Site or incorporated into it by reference. You should not act or fail to act on the basis of the Content but should obtain appropriate independent advice.

The Content was current as at 26/03/2018. The information on this Site is subject to change from time to time and although BIR attempts to keep the Content current, BIR does not guarantee its currency as there may be defects, errors or omissions.

Your risks

You accept all risks relating to potential loss, damage or other consequences resulting directly or indirectly from your use of the Site. This includes, but is not limited to, the transmission of any computer virus. We recommend that prior to using any downloaded file, you carry out an appropriate virus check.

The Content is provided to you on the basis that you accept full responsibility for assessing its accuracy, currency, reliability and correctness and rely on it entirely at your own risk.

Site security

There is a risk that information sent to or from the Site may be intercepted, corrupted or modified by third parties. BIR makes no warranty about the strength or effectiveness of the encryption of information sent across the Site and BIR is not responsible for events arising from unauthorised access to information provided by users over the Site.

In using the Site you agree you will not seek to hold BIR, its employees or agents liable for any unauthorised disclosure, damage, loss or corruption of Content.

You further acknowledge that risks of damage to your software, hardware or stored information may arise due to your use of the Site. BIR is not liable for any damage or loss incurred by you as a result of using the Site. You are responsible for maintaining the security of your own software, hardware and stored information.

Linked sites and featured companies

BIR gives no warranty as to the accuracy, currency or completeness of any website or information accessible via links of any form from the Site. As with the Site, you accept responsibility for any loss, damage or other consequences resulting from your use of other websites and non-BIR products in connection with the Site.


All Content, including software and any related material (except third party Content), is copyright of BIR. You are authorised to access, download, copy or otherwise reproduce Content strictly for personal use.

Storing, printing, copying, downloading, linking, reproducing, distributing or in any way using Content for commercial use is prohibited without the express written consent of BIR.


BIR will collect, use and deal with your personal information in accordance with the BIR Privacy Policy. The BIR Privacy Policy can be accessed by here.

In addition to the uses outlined in the BIR Financial Limited Privacy Policy, the site use ‘cookies’ to provide a better service.

A ‘cookie’ is a packet of information that allows the server to identify and interact more effectively with your computer.

When you use either the BIR Site, we send a ‘cookie’ that gives each computer a unique identification number. A different identification number is sent each time our Site is used. ‘Cookies’ do not identify individuals, although they do identify browser type and internet service provider.

Each computer may be configured to accept all cookies, reject all cookies or notify the user when a cookie is sent. If you reject all cookies, you may not be able to use the Site.

If you have any questions or would like further information about BIR’ privacy and information handling practices, please contact BIR at:

Privacy Officer

Email:  privacy@birfinancial.com.au
Address: Privacy Officer
BIR Financial Limited
PO Box 6141
North Sydney NSW

Choice of law

By using the Site you submit to the application of the laws of the State of New South Wales in relation to any dispute arising from or related to the Site.


To the fullest extent possible under the law BIR disclaims all and any liability to any party for any loss or damage, whether direct, consequential, incidental or indirect, including loss of profit, arising from the use of, or reliance on, material or information made available through the Site, whether or not caused by any negligence on the part of BIR, its agents or representatives. In using the Site you agree to indemnify BIR for any loss or damage accruing to you as a result of your use of the Site.

Entire agreement

These terms and conditions constitute the entire agreement between you and BIR as to the use of this Site supersede all prior inconsistent statements or representations.