By using this Site, you agree to accept and comply with these terms of use. HCF reserves the right, at HCF's complete discretion, to change, modify, add, or remove portions of these terms at any time. HCF has taken care to ensure the information on this site is correct and kept current. Personal Use HCF authorises you to print, copy, re-produce and download materials on the Site, subject to the material being used exclusively for personal use, and the material not being modified in any manner. Apart from any fair dealing for the purpose of private study, research, criticism or review, as permitted under the Copyright Act, no part of this site may be reproduced without the written permission of HCF. If you download material (including software) from the Site, the software, including any files, and/or images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software") are licensed to you by HCF. You are expressly prohibited from selling, distributing, decompiling, reverse engineering or otherwise dealing with the Software in a like manner. Commercial Use Printing, copying, downloading, reproduction or distribution of material from the Site for commercial use is expressly prohibited without HCF's prior written consent. Hyperlinking and in particular but without limitation deep linking is expressly prohibited without HCF's prior written consent. You are expressly prohibited from uploading to, distributing through, or otherwise publishing through the Site any inappropriate communication in any form (including, but not limited to, text, images, video and/or sound). Inappropriate communications include (but are not limited to) obscene, harassing, pornographic, abusive, slanderous, defamatory, vulgar, threatening and/or offensive material. HCF may decide at its complete discretion what is an "inappropriate communication". The site has been prepared from information believed to be accurate and reliable at the time it was sourced. HCF will use reasonable efforts to update the Site regularly, however HCF makes no representation as to the accuracy, currency or completeness of any information at the Site. You should not rely on any of the information or services provided on the Site. All information and services on the Site are provided on an "as is" basis, without any express or implied warranty and you agree that you use the information and/or services at your own risk. One of the services that the Site provides is access to other sites on the internet via hyperlinks located on the Site ("Linked Sites"). While HCF has used reasonable endeavours to review the Linked Sites, HCF is not responsible for the accuracy, legality, and decency of material or copyright compliance of Linked Sites. The materials in this Site are provided "as is" and without warranties of any kind either express or implied to the fullest extent permissible pursuant to applicable law. HCF disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. HCF makes no claim or representation as to the accuracy of the content contained in the Site. HCF does not accept liability to any person for the information or advice provided on the Site or incorporated into it by reference. HCF does not accept any liability for loss or damages incurred by any person as a result of reliance upon the content of the Site or any other information incorporated by reference. HCF makes no claim or representation as to the accuracy or any other aspect of the information contained on servers linked to the Site via hyperlinks from the Site. This information is provided on the basis that all persons accessing the Website undertake the responsibility for assessing the accuracy of its content and that they rely on it entirely at their own risk. HCF is not liable to any other party for any loss or damage, including direct, consequential, incidental or indirect loss or damage including loss of profit (whether direct, consequential, incidental or indirect) resulting from a breach of this agreement or negligence of HCF or its representatives. This agreement is construed according to and is governed by the laws of NSW, Australia. The parties submit to the exclusive jurisdiction of the courts in and of NSW in relation to any matters arising under this agreement or in relation to the Site. This agreement is effective from your first use of the Site until terminated by either party. You may only terminate this agreement by unsubscribing to all services provided by the Site and destroying all materials obtained from the Site, all related documentation and all copies and installations thereof, whether made under the terms of this agreement or not. This agreement will terminate immediately, with notice from HCF, if, in HCF's sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from the Site and unsubscribe to all services provided by the Site. The HCF Group Privacy Policy forms part of the terms and conditions of the HCF website.