This website and its contents (“Website”) is owned and operated by elementsnq Pty Limited ACN 108 346 336 of Locked Bag 2219, North Ryde, New South Wales, Australia (“elementsnq”). The use of the Website is governed by the following terms and conditions, as amended from time to time (the “Terms and Conditions”).By using the Website you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them. If you do not agree with these Terms and Conditions (including any amendments to them) you should immediately cease using the Website.

The Website may be updated from time to time, including these Terms and Conditions. elementsnq encourages you to check this document regularly. By continuing to use the Website after these Terms and Conditions have been updated, you acknowledge that you have read and understood the updated Terms and Conditions and agree to be bound by them.

Intellectual property and restrictions on use of content
The Website is subject to copyright under Australian law and, under international treaties, the laws of many other countries. Unless otherwise indicated, the copyright is owned by elementsnq or its related companies (collectively, the “elementsnq Group”) or licensors, which reserve all rights. Except for the direct purpose of viewing, printing, accessing or interacting with the Website for your own personal use or as otherwise indicated on the Website or these Terms and Conditions, you must not reproduce, modify, communicate to the public, adapt, transfer, distribute or store any of the contents of the Website, or incorporate any part of the Website into another website, without elementsnq’s consent.

The Website also includes registered and unregistered trade marks which are owned by the elementsnq Group. Except to the extent that it is expressly indicated to the contrary, your access to or use of the Website does not constitute or create a licence or any other right to use the name, trade marks, copyrights or any other intellectual property of any member of the elementsnq Group or any other party whose intellectual property appears on the Website.

Electronic addresses
All email or other electronic addresses published on the Website are for enquiries regarding the elementsnq’s products and services only. The publication of those addresses should not be taken as consent by any member of the elementsnq Group or their directors, officers, employees, agents or contractors to receiving unsolicited commercial electronic messages.

Links to Third Party Sites and Third Party Content

elementsnq assumes no responsibility and accepts no liability for third party content or the condition or content of third party websites which may be linked to or accessed from the Website. Except as elementsnq may specifically direct otherwise, elementsnq does not authorise the third party content or content of those third party websites.

Disclaimer and Limitation of Liability
The Website and its entire contents are provided on an “as is” basis. elementsnq and its directors, officers, employees, agents and contractors (Personnel): make no representation or warranty (either express or implied):
as to the completeness, accuracy, reliability or availability of the Website or its contents;
that the Website is free of viruses, worms, “Trojan horses” or other destructive features; and that associated services will be continuous, uninterrupted, timely or error free; and are not liable, and you unconditionally release elementsnq and its Personnel from any liability, for any loss, damage, claim, expense, cost (including legal costs) or liability arising in any way (including from negligence): from your use or non-use of the Website, or your reliance upon information contained upon it; and you may suffer as a result of the acts or omissions of elementsnq or its Personnel, and incompatibility, errors, viruses or other destructive features, or interruptions, access or timing issues in connection with the Website.

Where any Act of Parliament implies any term, condition, representation or warranty into the contents of the Website or your use of or access to the Website, and that Act prohibits exclusion of that term, condition, representation or warranty, then that term, condition, representation or warranty is included. If so, and to the extent permitted by the Act, elementsnq’s liability for any breach of such term, condition, representation or warranty is limited to the supplying of the relevant good or services again, as elementsnq may choose.

You acknowledge that you have not relied on any statement, representation, warranty, conduct or undertaking made or given by elementsnq or any person on its behalf and have relied on your own skill and judgement in deciding to accept these Terms and Conditions.

Access and Termination
elementsnq reserves the right to revise the content of, amend links from or withdraw access to the Website at any time without notice and without liability to you or any other person. Your ability to access all or part of the Website may be terminated at any time without notice, without any liability to you. Any limitations on elementsnq’s liability will survive such termination.

Governing Law and Jurisdiction
These Terms and Conditions are governed by and construed in accordance with the laws of New South Wales, Australia. By using the Website you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales.


Privacy Policy
elementsnq Pty Limited ACN 108 346 336 (elementsnq) is committed to protecting the privacy of our customers. elementsnq is bound by the National Privacy Principles set out in the Privacy Act 1988 (Commonwealth) (the Act).
elementsnq will only collect, use or disclose personal information in accordance with the Act and this Privacy Policy.

elementsnq may amend this Privacy Policy at any time and for any reason. The updated version will be available at www.elementsnq.com.au (Webpage). elementsnq may highlight changes to this Privacy Policy on the Webpage, but you should check the Privacy Policy regularly for changes.
In this Privacy Policy, “personal information” means information or an opinion about a person whose identity is apparent, or can be reasonably ascertained, from the information or opinion.

Collection and use of personal information elementsnq will, from time to time, collect and use personal information. The types of personal information collected and the purposes for which that personal information will be used will depend on the circumstances. For example, elementsnq may collect personal information from you: when you make an enquiry with us through this website or sign-up to join our mailing list; from forms completed by you or in personal meetings with you; or through the use of “cookies” on this website.

Cookies are pieces of information that a website transfers to your computer’s hard disk for record keeping purposes. Most web browsers are set to accept cookies. elementsnq uses cookies to make your use of our websites and services as convenient as possible. Cookies in and of themselves do not personally identify users, although they do identify a user’s browser. Cookies are useful to estimate our number of users and determine overall traffic patterns through our websites. If you do not wish to receive any cookies you may set your browser to refuse cookies. This may mean you will not be able to take full advantage of elementsnq’s services.

elementsnq collects personal information from you to assist elementsnq to provide the services you have requested, and to improve our business and services. elementsnq (or any of our associated companies) may use your personal information for these purposes and also to, without limitation, reply to your queries or requests for service and to advise and update you about developments and products which may be relevant to your needs. We may also use information about the types of properties you are interested in, by combining these with other personal information we have collected to produce statistics.
If you receive communication from us, you may opt out of receiving any further communications by contacting us at any time.

Disclosure of personal information
elementsnq will not disclose your personal information to third parties except:
to third parties appointed by elementsnq which assist elementsnq to perform services (in which case elementsnq requires these contractors to keep that personal information confidential and not to use or disclose it for any purpose other than the purpose of performing those services);
in exceptional circumstances, elementsnq may be required or authorised by law to disclose personal information, for example to law enforcement authorities or to prevent a serious threat to public safety; or otherwise with your consent.

Handling of personal information

elementsnq will take all reasonable steps to protect all personal information held by it from misuse and loss and from unauthorised access, modification and disclosure.

Accessing your personal information
You may write to us to request access to personal information we hold about you or request that we amend or update your personal information if you believe that the personal information we hold about you is incorrect, incomplete or inaccurate. We will provide access to that information in accordance with the Act. There are certain exemptions which may apply to the provision of that information.

We may require that you provide suitable identification and we may charge an administration fee for granting access to information. Requests for access to personal information held by elementsnq should be addressed to the contact person specified in section 6 below. Mortgage Choice General Disclaimer: The content of this advertisement is written expressly for education purposes and is based on the opinions of the authors. The authors and agents for the authors are unable to accept any liability or responsibility whatsoever to any error or omission or any loss or damage of any kind sustained by a person or entity arising from the use of this information. It is recommended that you seek professional advice relevant to your specific circumstances before acting on the information based in this document. Terms and Conditions: The loan must fully supported by documentation, the loan amount is $429,927, and the loan is for a period of 25 years. Interest rates used are based on an interest only loan at 5.99%. The advertised repayment is based on a 0% deposit home loan. Financial institutions would require either equity or a minimum of 5% deposit. WARNING: If your circumstances are different, for example, the amount of your loan or term of your loan is different, the repayments may change. Refer to website for further terms and conditions

Contact Us

If you have any questions or concerns about elementsnq’s collection, use or disclosure of personal information, contact elementsnq as follows:

Elementsnq, P.O. Box 207, Balmain NSW 2041

Phone: 07 4731 1425

Email: paul@elementsnq.com.au

ABN. 26 123 216 137