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Terms of use



1. This website

This website ("Website") is owned and operated by Bendigo and Adelaide Bank Limited (ABN 11 068 049 178 AFSL/Australian Credit Licence 237879 ("we"/"us"/"our"/”Bendigo Bank”), on our behalf and that of our related bodies corporate (together the "Bendigo and Adelaide Bank Group") as well as for each of AWA Mutual Limited (ACN 087 651 652) (“AWA”), BDCU Limited (ACN 087 649 787) (“BDCU”), CIRCLE Mutual Limited (ACN 087 650 968) (“CIRCLE”), NOVA Mutual Limited ACN 087 650 440 (“NOVA”) and SERVICE ONE Mutual Limited (ACN 095 848 598) (“SERVICE ONE”) (collectively, AWA, BDCU, CIRCLE, NOVA and SERVICE ONE are the “Alliance Banks®”).

Each of the Alliance Banks® is Bendigo Bank’s agent in the distribution of Alliance Bank®-branded products and services. Each Alliance Bank® also has arrangements with other third parties as detailed in the Financial Services Guide issued by the applicable Alliance Bank®. Alliance Banks® represent a shared value business model between us and AWA, BDCU, CIRCLE, NOVA and SERVICE ONE.

With the increased demands on regulation and new technologies, the alliance helps the Alliance Banks® grow while still remaining independent. The arrangement between each Alliance Bank® and Bendigo Bank is neither a merger nor acquisition. Member equity and capital is retained by the applicable Alliance Bank® for use in social enterprises and for the benefit of members.

Alliance Bank®-branded deposits and loans are deposits and loans of Bendigo Bank.

Bendigo Bank’s registered office is at The Bendigo Centre, Bendigo, Victoria, Australia 3550.

These terms of use, including the Privacy Policy (collectively, the "Terms"), govern your use of this Website (the "Website Content"). Each time you use this Website, your use indicates your acknowledgment and acceptance of the Terms, which we may revise periodically without notice. If you do not accept these terms and conditions, do not use the Website.

2. Our rights in, and restrictions on your use of, this Website

The Website Content (including trade marks and logos) is our intellectual property or licensed by us from third parties. We grant you a non-exclusive, non-transferable and limited right to access and use this Website, view the Website Content on your screen or mobile device and to print copies of such Website Content, solely for your personal, non-commercial use, and provided that you comply fully with these Terms.

While we take reasonable steps to ensure that the Website Content is free from errors or omissions or is suitable for your intended use, we do not represent or warrant the availability, accuracy, adequacy or completeness of the Website Content or that the Website and Website Content is virus-free. You further acknowledge and agree that to the maximum extent permitted by law: (a) this Website and the Website Content are provided on an "as is" and "as available" basis; and (b) we cannot guarantee and do not promise any specific results from use of this Website and the Website Content.

You acknowledge that:

a. we may at any time modify, discontinue, temporarily suspend or permanently remove the Website or the Website Content (or any part thereof); and
b. we will not be liable to you or any third party for doing so.

3. Product and Services Information

The information on this Website:

a. is not an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation; and
b. does not form part of the terms and conditions for our products and services, including those of our subsidiaries, affiliates, related companies, agencies or franchisees.

4. Third Party Content

Links from this Website to third party websites (including those operated by each of the Alliance Banks®), or references to products, services or publications other than those of the Bendigo and Adelaide Bank Group, do not imply the endorsement or approval of such third party websites, products, services or publications by the Bendigo and Adelaide Bank Group. Any access and use you make of such third party websites, products, services or publications is entirely at your own risk. Other company, product and service names referred to in this Website may be trade marks of other third parties.

5. Jurisdiction

These Terms are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia.

Date of Publication – November 2020
Version - 4

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. AWA Mutual Limited®, BDCU Limited®, CIRCLE Mutual Limited®, NOVA Mutual Limited® and SERVICE ONE Mutual Limited® (Alliance partners) are independent mutual entities that have formed an alliance with Bendigo and Adelaide Bank. AWA Alliance Bank®, BDCU Alliance Bank®, CIRCLE Alliance Bank®, NOVA Alliance Bank® and SERVICE ONE Alliance Bank® are trademarks of Bendigo and Adelaide Bank Limited.

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