General terms and conditions for all users
These Terms of Use legal apply to the entire contents of the website under the domain name etika.com/au (Site) operated by etika Australia Pty Ltd (ACN 629 009 025) (as the context requires We, Our or Us) and to any correspondence by email between Us and you. The following are the Terms of Use (Terms of Use) between you and Us that set forth the terms and conditions for your use of the Site. Please read these terms carefully before using the Site. By using this Site you indicate that you have read, understood, and agree to be bound by these Terms of Use and to comply with all applicable laws and regulations. If you do not accept these terms, please do not use the Site.  

Your access to the Site is subject to the etika Privacy Policy notices, disclaimers and any other relevant content published on this Site. If you use any of the services identified on the Site for which additional or alternative terms and conditions are referred to, by accessing, viewing or otherwise using those services, you agree also to be bound by and comply with those relevant terms and conditions.  

We may, at Our sole discretion, vary or modify these Terms of Use without prior notice. Any varied or modified Terms of Use will appear on the website. Any subsequent access to or use by you of the Site will constitute an acceptance of varied or modified Terms of Use.  

To the extent possible we choose to carry out all transactions by means of electronic communication in accordance with the Electronic Transactions Act 1999 (Cth) and any regulations. You consent to using electronic means to form, or agree, or agree to, or bind you to, legal obligations. Therefore, where you indicate through electronic means your agreement to, or acceptance of, terms and conditions, offers and other documents, you will be taken to have agreed to, or signed them.  

You agree that anywhere We are required, by law or otherwise, to provide you with any documentation you consent to the provision of that document electronically through the links on this website or any other means We choose to use. Paper documents may no longer be given to you and you must regularly check your email, your Account or text messages for the documents.  

To access etika 's services you will also need to agree to receive notices, information and other disclosures in electronic form. We carry out all transactions by means of electronic communication in accordance with the Electronic Transactions Act 1999 (Cth) and any regulations.  

You also consent to receive notices, information and other disclosures in electronic form We choose to use through the links on this website or any other means.  

The Site contains information and features that you can access and use, including borrowing and lending accounts and related services, monitoring your loans, participating in groups and any other features or content we may add in the future (the Services).
Eligibility to Use etika 's Services
To be eligible to use Our services via the Site you must hold an Australian bank account and be eighteen (18) years of age or older (Eligibility Criteria). We may vary the Eligibility Criteria from time to time. By using the Service or the Site, you represent and warrant that you are 18 or older and have an Australian bank account. We may terminate your membership (see below), delete your profile and any content or information that you have posted on the Site and/or prohibit you from using or accessing the Site without limitation if We believe that you do not comply with the Eligibility Criteria.
Registration
To access the full range of Our services and to view all the available details we require that you register an etika account (Account) (thereby becoming an Account holder) using a valid email, a username, a secure password and security question. Each registration is for a single user or joint users only where you are married or in a de facto relationship (Joint Registration). If you are eligible for Joint Registration and register an Account, you and your registering partner will be held to be jointly and severally liable at all times. You must not share your username and password with any other person nor with multiple users on a network.  

You are responsible for maintaining the confidentiality of your password and security question at all times. Please notify Us immediately of any unauthorised use or any other breach of security in relation to your Account. You may not use an Account held by any other individual or entity to access Our services at any time.
Warranties
While we have made every effort to ensure that information is free from error, we do not warrant the accuracy, adequacy, suitability or completeness of Material on the etika Website. Use of the etika is at your own risk. Although we make every effort to keep our website a safe and stable environment, we do not guarantee that the etika Website will be free from viruses, that the etika Websites will be available, or that access to the etika Website will be uninterrupted. You are responsible for taking appropriate precautions for the protection of your computer system and data.
Cookies and third-party analytical services
Cookies are small files of data that reside on your computer and allow us to recognise you as a customer if you return to the etika site using the same computer and browser.  

We use cookies and track IP addresses via our Websites so we can improve our services provided by our Websites and enhance your user experience. For example, Cookies allow us to save your password so you do not have to re-enter it every time you visit our site.  

When you access our Websites or use etika Services, we (including our Partners and companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively ‘Cookies’). We use Cookies to ascertain which web pages are visited and how often, to make our Websites more user friendly, to give you a better experience when you return to a website and to target advertising to you that we think you may be interested in.

Most web browsers automatically accept Cookies. You can find information specific to your browser under the “help” menu. You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our Websites and etika Services.
Copyright and Trade Marks
Copyright in the Material on this website is owned by or licensed to etika.

Except where necessary for viewing the Material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on Our website may be reproduced, adapted, uploaded to a third party, linked to, framed, distributed, displayed or transmitted in any form by any process without the specific written consent of etika.

You must not use any trade mark displayed on the etika Website in any way without our express written consent.  
Jurisdiction
Unless otherwise stated, the information on the etika Websites is provided in compliance with Australian law and is only intended for persons within Australia. The etika Websites may not comply with the laws of countries other than Australia and is not directed at, and should not be relied upon by, persons in any other country.