Third-party copyright
You must not submit any material for inclusion on sydneyseniors.com.au that infringes the copyright or any other intellectual property rights of a third party. To the extent permitted by law, we exclude all liability for any loss, cost, expense or damage arising from material which you submit to the site.

Terms of Use
By accessing, using or downloading material from our website you agree to follow and be bound by these Terms of Use which constitutes a legal contract. If you do not agree with them, do not use this website. These terms and conditions may change without notice, please check them from time to time.

Disclaimer
This website disseminates seniors, aged care and community information for the benefit of the public. The information given on this website is of a generic nature and as such is provided "as is" with no representations and warranties. We do not assume or accept any responsibility for, and shall not be liable for the accuracy of, any information contained on this website. We are also not liable for any mistakes that might appear on this site.
The information or content of this site is not intended to be a substitute for independent professional advice, and nothing contained on this website is intended to be used as professional advice - medical, financial or securities advice or otherwise. Sydneyseniors.com.au, New Choices for Retirement or its associated companies or publications do not accept any liability for any injury, loss or damage incurred by use of or reliance on the information contained on this website.
The health information on this website does not take into consideration the physical condition, medical status and/or health requirements of any particular individual which are relevant to the proper diagnosis and treatment of any disorder, symptom, problem or condition. Information on this website is not intended to be used to provide a prognosis, diagnose, treat, cure or prevent any disease, and it should not be used as a substitute for your own medical or health professional's advice. You should never act on or use any information on this website without consulting, and seeking proper advice from, a qualified medical practitioner. Sydneyseniors.com.au does not provide, or claim to give, any medical or financial advice, and is not qualified to do so.
The opinions expressed by any health or financial professional on this website are those of the relevant health or financial professional and not sydneyseniors.com.au, and sydneyseniors.com.au accepts no responsibility for the opinions of these professionals.

Financial information
The financial information on this website should not be relied upon as a substitute for professional investment, securies or financial advice. We do not conduct an investment or financial advice business, and do not provide any securities or investment advice. The information or content on this website does not take into consideration any individual investor's financial situation, circumstances or investment requirements. Those viewing investment or financial information on this website must assess the information according to their own circumstances and are advised to obtain professional investment advice before making any investment decision based on any information provided on this website.

Content
You must not use any of the information, graphics, text, designs, layout, software and materials (content) on our website in any unlawful manner or for any unlawful purpose or in any way that violates any right of sydneysenior.com.au, The Mature Travellers Club, New Choices for Retirement, its directors or an affiliate or that which is governed by these Terms of Use and our Privacy Policy.

Links Policy
Before creating links to our website, you must request permission by sending your name, address, Website URL, and nature of the website to: newchoices@optusnet.com.au. If you are using frames, your links to this website must not, when activated, continue to display your frames around our web pages.

Links to External Web Sites
This website contains links to other websites that are external to sydneyseniors.com.au as well as links to advertisers' sites. Sydneyseniors.com.au takes reasonable care in selecting linked websites but does not accept any responsibility whatsoever for information on any external website. Views or recommendations provided in linked external websites do not necessarily reflect those of sydneyseniors.com.au The links to external websites do not constitute endorsement, recommendation or warranty of material at those sites, or any associated organisation, product or service.
These linked sites are not under our control, and we cannot accept responsibility for the conduct of companies linked to our website. Before disclosing your personal information on any other website, we advise you to examine the terms and conditions, and privacy policy, of that website.
Hyperlinks are inserted for your convenience and effort is made to ensure the links on this site are current. Whether these links are up to date can depend on the owners of the external websites notifying us of any changes to the links.
It is the responsibility of the user to make their own decisions about reliability of information contained in linked external websites. Users are responsible for being aware of which organisation is hosting the site they visit.

Always verify information
We make considerable effort to ensure the quality of the information that appears on this website. However we cannot guarantee and assume no legal liability or responsibility for the accuracy, currency, timeliness, validity or completeness of the information. Any prices quoted on this website, were provided by retailers or their representatives at the time of publication, we cannot accept any responsibility for the accuracy or currency of any price given on this site.

Security
Users/readers should be aware that the World Wide Web/internet is an insecure public network and as such carries a potential risk. You should make your own assessment of the potential risks to the security of the information you send or download.
We accept no responsibility or liability for any interference with or damage to a user's computer system, software or data occurring in connection with this website. Users are encouraged to put in place the precautions to ensure that whatever is selected from this site, or linked sites, is free of viruses or any other contamination that may interfere with or damage the user's computer system, software or data.

Communications facilities
By using our communications facilities such as electronic bulletin boards, blogs and chat rooms, you agree that our communication facilities provide a means of public communications, and are not private. Any material, information or idea submitted or posted on this website by you will be considered non-confidential and non-proprietary. We may share or otherwise use your submission for any purpose whatsoever. By posting information or material such as messages, text, images, uploading information or files, you grant to us a perpetual, worldwide, royalty-free, irrevocable, unrestricted, licence to use, copy, redistribute, adapt, transmit, publish and/or broadcast, publicly perform or display, the information or material posted by you.
If any of information you submit constitutes personal data, it will be treated as set forth in our Privacy Policy.
Communications facilities such as electronic bulletin boards, blogs, chat rooms are provided to enable feedback and interaction of/for our users. It is the condition of your use of our communications facilities and your access to our website that you do not:
- Post or transmit any information, content or material that is protected by copyright, trademark or any other proprietary right, without first obtaining permission from the owner or the copyright or trademark
- Use this website or any of its communications facilities to post, send or transmit any illegal, defamatory, threatening, abusive, indecent, pornographic or other offensive information or material of any kind
- Encourage actions or conduct that violates any applicable law
- Wilfully or otherwise post or transmit any material, text or content that contains a virus or other harmful component.
We will monitor the contents of this website’s communications facilities, and we reserve our right to refuse to post, to edit, or to remove any information or materials that we decide is in violation of any applicable law or our Terms of Use. You should be aware that as our communications facilities provide a means of public communications, we are under no obligation to monitor the contents of our public communications facilities to edit, delete or refuse to post such contents, and we are not responsible for any content, comments, expert opinions and/or advice given in our blogs, forums or user postings.

Advertising, links to third party websites
The content of this website contains banners, referral buttons and other advertisements, hyperlinks/links and pointers to external websites operated by third parties, and these hyperlinks do not constitute a recommendation, endorsement, warranty or guarantee . These hyperlinks, banners or advertisements may be paid for by a third-party. Websites linked to this website by hyperlinks are not under the control of sydneyseniors.com.au and as such we are not responsible for the content, information or material of any linked website. You agree and acknowledge that linking to any such website entirely at your own risk.

Indemnity
You indemnify us in respect of any liability incurred by us for any loss or damage, howsoever caused, which we suffer as a result of your breach of these website Terms of Use or your use of this website.

Termination of Use
We may, at our option, terminate, without notice, any person or entity’s access to this website upon any breach of this Terms of Use without prejudice to our right to make a claim for compensation of damages.

Governing law
This website’s Terms of Use are governed by and construed in accordance with the laws of the State of New South Wales, and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales. You are solely responsible for ensuring that your use of the site is not prohibited and complies with your local laws.
If any provision of the Terms of Use is found to be invalid or unenforceable by a court of law, this will not affect the remainder of the agreement which will continue in full force and effect.
You are prohibited from posting or transmitting any unlawful, threatening, obscene, defamatory, or other offensive text or materials on or through this website.