Terms & Conditions
By visiting or using the Site, you agree to be bound by the following Terms. The Terms include our privacy and credit reporting policy and other terms and conditions that relate to the Site.
NRI may vary these Terms at any time and will post the variations on this Site. By continuing to use the Site, you accept the Terms as varied from time to time.
1. ACCEPTABLE USE
1.1. You must not use the Site in any way that causes, or may cause, damage to the Site or impairment of the availability or accessibility of the Site; or in connection with any unlawful, fraudulent or harmful purpose or activity.
1.2. You must not use the Site to copy, store, host, transmit, send or distribute any material which consists of (or is linked to) any spyware, virus, trojan horse or other malicious computer software.
1.3. You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to the Site without our express written consent.
2. LINKING AND THIRD PARTY CONTENT
2.1. NRI welcomes links to this Site, provided that:
• links to this Site are not misleading in any way;
• you do not use the NRI logo or trade mark to link to this Site without our express permission; and
• on the request of NRI, you will promptly delete any links to the Site which are within your control.
2.2. The Site may contain links to third party websites which should be used at your own discretion.
2.3. NRI does not sponsor or endorse any external website. We are not responsible for the content or reliability of any linked websites and cannot guarantee that these links will work all of the time or will not contain viruses.
2.4. NRI does not accept any liability in relation to content posted on the Site by users or your use of or interaction with third party websites (and associated content) or businesses, nor do we make any guarantee or promises regarding the content, products or services that they provide.
3.1. You may need to be a registered member to make orders and access certain features of the Site.
3.2. When you register and activate your account, you will provide us with personal information such as your name, email address and telephone number. You must ensure that this information is accurate and current.
3.3. When you register and activate your account, we will provide you with a user name and password. You are responsible for keeping this user name and password secure and are responsible for all use and activity carried out under this user name.
3.4. If you are under the age of 13 years, you may not create an account or register as a member. If you are 13 or older but under the age of 18, you represent that you have reviewed these Terms with your parent or legal guardian to make sure that you and your parent or legal guardian understand these Terms. If you are a parent or guardian permitting a person under the age of 18 (Minor) to create an account, you agree to:
• exercise supervision over the Minor's use of the Site and account;
• assume all risks associated with the Minor's use of the Site and their account, including the transmission of content or information to and from third parties via the Internet;
• ensure that the content and information that the Minor may encounter on the Site or linked websites are suitable for the Minor;
• assume liabilities resulting from the Minor's use of the Site and their account;
• ensure the accuracy and truthfulness of all information submitted by the Minor; and
• provide the consents contained in these Terms on behalf of the Minor.
3.5. We may ask you to confirm that you have your parent's or guardian's permission and that they have agreed to these Terms on your behalf, and, even if we do not do this, we will assume that this is the case and will provide access to our Site and your account on this basis.
In Australia, our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms purports to modify or exclude the conditions, warranties and undertakings, and other legal rights, under the Competition and Consumer Act 2010 (Cth) and other laws. Any and all other warranties or conditions are expressly excluded where permitted, including liability for incidental or consequential damages caused by breach of any express or implied warranty or condition.
5. INTELLECTUAL PROPERTY
5.1. Unless otherwise stated, all content, images, software and designs on the Site (Content) are owned by NRI or used under licence. All intellectual property rights subsisting in the Content are reserved.
5.2. You may only access and use the Content for your personal use, unless you have our written approval. You may view, download for caching purposes and print out any Content for your personal use. All other use, copying or reproduction of the Site or Content is prohibited (except as permitted by relevant copyright laws).
5.3. You may not reproduce or republish any of the Content on any other website. If you seek to reproduce or use the Content in any way, it is your responsibility to obtain our approval first.
5.4. The Site may also contain trade marks, logos and trade names owned by NRI which may be registered or otherwise protected by law. You must not use any trade marks, logos or trade names which are used on the Site.
5.5. You must not attempt to reverse engineer, modify, copy, transfer, sell, distribute or disassemble any of the software, data, code, information or Content made available or accessible to you via the Site.
5.6. We reserve all of our rights to enforce our intellectual property rights to the fullest extent of the law.
6. LIMITATION OF LIABILITY
6.1. You use the Site at your own risk.
6.2. We do not guarantee, represent or warrant that the Site will be free of defects or bugs, or that your access will be uninterrupted, timely or error free. Your access to the Site may be suspended without notice in the case of system failure, maintenance or repair or any reason beyond our control.
6.3. We reserve the right to change or discontinue any feature or service on the Site at any time.
6.4. To the extent permitted by law, we exclude all conditions and warranties relating to your use of the Site that are not set out in these Terms. In particular, we provide no warranty that:
• the Content is up to date, reliable or accurate; or
• the Site or services provided by NRI are suitable for your specific circumstances or purpose.
6.5. NRI disclaims any and all liability for the acts, omissions and conduct of any third parties connected with your use of the Site, including content posted on the Site by users. We are not responsible for the products, services, actions or failure to act of any third party in connection with or referenced on the Site.
6.6. To the full extent permitted by law and without limiting any other term in these Terms, we accept no liability of whatsoever nature for your use of the Site.
You agree to fully indemnify and hold us harmless against any expenses, costs, loss (including consequential loss) or damage that we may suffer or incur as a result of or in connection with your use of, or access to or conduct in connection with the Site, including any breach by you of these Terms.
8. BREACH OF TERMS
If you breach these Terms or we believe you are or were acting in concert with any person who has done so, we may without prior notice:
8.1. block, suspend or limit your access to the Site; and/or
8.2. take legal action against you.
9.1. We understand that privacy is important to you. We are committed to protecting your privacy by handling personal information securely and with care in accordance with Australian privacy laws.
10. GENERAL PROVISIONS
10.1. The Terms shall in all respects be governed by the laws of Victoria, Australia. You consent to the exclusive jurisdiction of the courts in Victoria to determine any matter or dispute which arises under these Terms.
10.2. If any provision of the Terms is deemed invalid or unenforceable, all or part of that provision will be severed from the Terms and will not affect the enforceability of the remaining provisions of the Terms.
10.3. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term of any other term. Any failure to assert any right under the Terms shall not constitute a waiver of such right.