About this web site
The Small Business Hub website is a web site operated and managed by the Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain name www.thesbhub.com.au ("SB Hub"). The SB Hub is operated on behalf of ANZ and its related bodies corporate (together,"ANZ Group"). The following terms and conditions (“Terms and Conditions”) apply to any use of or access to the SB Hub. All references in these Terms and Conditions to ANZ include a reference to the ANZ Group and its and their authorised agents or service providers. "You" and “Your” in these Terms and Conditions refers to an SB Hub user.
Your use of the SB Hub
You agree that you are bound by these Terms and Conditions when you use the SB Hub. You agree to be fully responsible and liable for your use of the SB Hub, and for any use of your login ID and password by any other person.
Your access to the SB Hub may be terminated or suspended at any time by ANZ without notice to you and you will no longer be authorised to access the SB Hub. All disclaimers and limitations of liability by ANZ will survive termination or suspension, however you will no longer be authorised to access the SB Hub. ANZ also has the right to remove or edit any material posted by ANZ and/or you on the SB Hub at any time and without notice to anyone.
You must not use the SB Hub in any way which (in ANZ's reasonable opinion):
- is or could be defamatory
- uses trademarks, logos, slogans, company names, get up, photos, copyrighted material or brands of any third party
- places advertising or promotional material, or supports branded products
- includes phone numbers, addresses, hyperlinks, URL addresses, account or PIN numbers
- is provocative, violent, offensive, obscene or indecent
- promotes bigotry, racism, hatred, profanity or obscenities
- is culturally or socially insensitive information or images
- contains opinions or beliefs of political groups, religious groups or socially unacceptable groups
- contains content which does not or may not comply with any rules, regulations or laws to which the information or images are subject
- contains content not acceptable for persons under 18 years old,
- contains or promotes material of a sexual or pornographic nature
- is in any way for any reason whatsoever, inappropriate for display on the SB Hub.
Postings, sending messages, and profiles
All information and material that a user places on the SB Hub may be viewed by any person. ANZ has the right to edit or remove such material in its own discretion.
A posting, message or profile in the SB Hub expresses the views of the user who made the posting, message or profile and not those of ANZ.
While ANZ will monitor the material on the website for compliance with these Terms and Conditions, ANZ does not endorse or guarantee the accuracy of any information in a posting, message or profile and is not responsible for any material posted on the SB Hub by users.
You rely on information in a posting, message or profile at your own risk. ANZ suggests that you seek independent advice or verification before relying on or acting on any information posted on the SB Hub.
Licence to use posted information
You provide to ANZ a non-exclusive, transferable and sub-licensable, perpetual, irrevocable worldwide licence to use the intellectual property rights in any information and material you place on the SB Hub, which includes the design, layout and formatting of such information and material. Information and material contemplated to be captured by this licence includes (but is not limited to) your company logo or any photo that you upload to the SB Hub, the address of your website and any links to your social media pages.
ANZ may include a copy of the photo or logo, a link to your website and any links to your social media pages with any information that relates to you on the SB Hub. As examples, ANZ may include your company logo or photo in a directory of SB Hub users and with all information and comment you post on the blog and forum. These will then be available to any SB Hub user and the general public.
Links to social media pages
You may provide to ANZ links to your social media pages (eg, Facebook, Twitter, LinkedIn etc.). If you do so, you agree that ANZ may include these links in information that relates to you on the SB Hub. As examples, ANZ may include these links in a directory of SB Hub users and with all information and comment you post on the blog and forum. These links will then be available to any SB Hub user and the general public.
We may also seek to link to you, or request you link to us, using your social media links.
Security and Passwords
You must keep your SB Hub login ID and password safe and secure and free from unauthorised use and disclosure at all times.
You are fully responsible and liable for any use of the SB Hub (including the Forum and/or the Blog) by anyone using your logon ID and password, even where that use is unauthorised or without your knowledge. You agree to fully indemnify ANZ against any damage or loss it may suffer directly or indirectly as a result of your use of the SB Hub or any unauthorised use of your logon ID or password.
Notwithstanding this indemnity, ANZ retains the right to assume the conduct of any defence to a claim brought against it, and you agree to provide all reasonable cooperation (including by making relevant documents available) that we may require from you.
Links to other web sites
The SB Hub may from time to time contain links to other web sites operated by third parties, including links posted on the SB Hub by users ("Third Party Web Sites"). ANZ does not necessarily endorse, or necessarily approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Web Sites ("Third Party Material").
Subject to any applicable law which cannot be excluded, ANZ makes no warranties or representations:
- regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Web Sites; or
- that Third Party Material does not infringe the intellectual property rights of any person.
All offers to sell and statements relating to goods and services available on Third Party Web Sites are the responsibility of and given by the Third Party Web Site operator.
This section only relates to information posted on the SB Hub by ANZ.
ANZ cannot guarantee that access to the SB Hub will be error free or uninterrupted.
Limitation of liability
Subject to any obligations implied by law and which cannot be excluded, ANZ has no liability to you whatsoever for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) arising out of or referable to material on The SB Hub or to Third Party Material, whether such liability arises in contract, tort including negligence, statute or otherwise.
The liability of ANZ for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at ANZ's option, to:
- the supply of the goods or services again;
- the repair of the goods; or
- the payment of the cost of having the goods or services supplied again or repaired.
The law applicable to use of the SB Hub is the law of the State of Victoria, Australia.
Copyright and trademarks
Copyright in the material on the SB Hub is owned or licensed by ANZ.
Except where necessary for viewing the material on the website on your browser, or as expressly permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of ANZ.
"ANZ", and all associated trademarks, are trademarks of ANZ. ANZ's colour blue is a trade mark of ANZ.
You acknowledge and accept that your use of the SB Hub indicates acceptance of these Terms and Conditions, the Privacy and Security Statement and the Forum & Blog Rules.
These are the current Terms and Conditions. ANZ may at any time vary these Terms and Conditions by publishing the varied terms and conditions on The SB Hub. You accept that by doing this, ANZ is deemed to have provided you with sufficient notice of the variation.
ANZ reserves any rights not expressly granted in these Terms and Conditions.
Forum & Blog Rules
These are the Forum & Blog Rules for the SB Hub. They apply to information and material you place in the Forum or Blog.
Discussions on the SB Hub are monitored daily by ANZ or its agents. Any material posted on the SB Hub that does not comply with these Rules or the Terms and Conditions will be edited or removed, without notice to the person who posted the material. This includes any material posted or topics that are of an unacceptable nature, as set out at the beginning of these Terms and Conditions, under the section “Your use of the SB Hub”. Posting of names, email/addresses, phone numbers and personal website addresses/directions/usernames is also not permitted in the Forum or Blog.
All material posted by users expresses the view of the user who posted the material. They are not the opinions of ANZ. Publication date - July2014