Terms and conditions for PayWay web pages

1. General terms and conditions for all users

1.1 The www.payway.com.au website ("this website") is owned by Westpac Banking Corporation ("Westpac"). It is operated by Westpac and other companies in the Westpac Group, including Westpac New Zealand Limited.

1.2 Your access to this website is subject to these terms and conditions, the Westpac Banking Corporation Privacy Policy (if you are an Australian customer), the Westpac New Zealand Privacy Statement (if you are a New Zealand domiciled customer), notices, disclaimers any other terms and conditions or other statements contained on this website, and, if you use any of the services identified on this website for which additional or alternative terms and conditions are referred to, those additional terms and conditions for those other services (referred to collectively as "Terms of Use"). By accessing, viewing or otherwise using this website, you agree to be subject to these Terms of Use.

1.3 Westpac may, with 14 business days prior notice, vary or modify these Terms of Use. Any subsequent access to, or use by you of the website will constitute an acceptance of those modifications.

1.4 You agree that where Westpac, Westpac New Zealand or any other company in the Westpac Group is required, by law or otherwise, to provide you with a document, you consent to the provision of that document electronically through the links on this website. We suggest that you print a copy of the document, or file it electronically, for future reference.

Important disclaimers

1.5 Westpac, Westpac New Zealand, any other company in the Westpac Group and any of their directors, employees and associates do not accept any liability for any loss or damage, however caused, as a result of any person relying on any information on the website or being unable to access this website. This disclaimer is subject to:

a) in Australia to, any applicable contrary provisions of the Australian Securities and Investments Commission Act and Trade Practices Act and

b) in New Zealand to, the Securities Act, the Commerce Act and the Fair Trading Act.

1.6 Should you leave this site via a link contained within this website, and view content that is not provided by a company in the Westpac Group:

a) you do so at your own risk. The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by a company in the Westpac Group. No company in the Westpac Group is responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or otherwise. No company in the Westpac Group makes any guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party;

b) links to other websites are provided for convenience only and do not represent any endorsement by Westpac of the products or services offered by the website owner.

2. Copyright

2.1 Copyright in the information contained on this website is owned by Westpac Banking Corporation (ABN 33 007 457 141). You may use this information for your own personal reference only. You may reproduce this information in hard copy solely for your personal use. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or incorporated in any way into another document or other material.