Terms and Conditions

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Terms and Conditions of Use

By accessing, viewing or otherwise using our website, you acknowledge and agree to be subject to these Terms and Conditions of Use, the Privacy Policy and any other notices, disclaimers and other terms and conditions or other statements contained on our website as amended or modified from time to time. If you do not accept our Terms and Conditions of Use and the Privacy Policy you are not authorised to use our website. These are our current Terms and Conditions of Use and they replace any others that have appeared previously on our website. By accessing our website, you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.


Any calculators or information provided on this website is general in nature and provided for your convenience only and does not constitute either credit or financial advice. Information on this website has been prepared without consideration of your personal objectives, needs or financial situation and should be viewed as generic information only. If you require advice regarding your specific situation, you should contact Everfirst Financial Services directly.

Links to other websites

Our Website may contain hyperlinks and other pointers to websites operated by third parties. These linked websites are not under Everfirst Financial Services control, and so Everfirst Financial Services is not responsible for the contents of any linked website or any hyperlink contained in a linked website. These hyperlinks are provided as a convenience only, and the inclusion of any link does not imply endorsement or approval of the information, graphics and material featured on third party websites. You agree to access any such third party website entirely at your own risk.
Our website is provided for use by Australian residents only, and the products described in them are directed at anyone in Australia. It is provided in good faith and derived from sources believed to be accurate and current at the date of publication. If you are not one of our customers and are accessing our website outside Australia, you must not submit or attempt to submit any online request.


While we have tried hard to make sure there are no mistakes in any of the information on our website, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it. Further, all information is subject to change without notice or that the information is suitable for your intended use.

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your needs and financial situation before making any decisions based on this information. We recommend that you seek independent advice before acting upon any of the information on our website.

We do not guarantee that this website is free from viruses, or that access to our sites will be uninterrupted. You acknowledge and agree that your use of this website is at your own risk. You must ensure that that the process that you use for accessing our website does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.

Limitation of liability

You agree that your use of Everfirst Financial Services Website and reliance on any information contained on this website is entirely at your own risk. To the extent permitted by law, Everfirst Financial Services excludes all liability for any loss or damage (including indirect or consequential loss or damage) you or any other person suffers in connection with your use of the Everfirst Financial Services Website, including your reliance on any information contained on the Everfirst Financial Services Website.
Everfirst Financial Services liability for breach of any warranty or condition implied by law that cannot be excluded is limited, at PLAN Australia’s option, to:

  • in the case of services supplied or offered by Everfirst Financial Services:
    the re-supply of those services; or
    the cost of having those services re-supplied.

Your personal information will be collected and used in accordance with Our Privacy Policy.