Please read these terms and conditions ("Terms of Use") relating to your use of the Experian web site (the "Site"). By accessing the Site you are agreeing to the terms that appear below. In particular the Section headed Warranty and Liability contains important information about your rights and remedies.

Who We Are
The Site is owned and operated by Experian Asia Pacific Pty Ltd. ("us" or "we"). Experian is a company incorporated in Australia with registration number 65006980696 located at Level 6, 580 St Kilda Road, Melbourne VIC 3004, Australia. If you have any questions or queries about this Site or relating to these terms please use enquiry@ap.experian.com.

Content
All intellectual property rights in all the materials contained in the Site, the software and products available for download from the Site and the data collected by the Site (the "Content") including but not limited to patents, copyright, database right and trademarks belong to us or our licensors.

You may access and view the Content and may retrieve and display Content from the Site on a computer screen and/or print individual pages on paper and/or make a reasonable number of photocopies and/or store such Content in electronic form on your computer's local hard-disk for your personal, non-commercial use only.

You may not otherwise copy, distribute, sell, publish or commercially exploit any of the Content without our prior written permission. The Content includes a number of trade marks including Experian that are owned by us or our licensors. By making the trade marks available on the Site we are not granting you any licence to use them.

Software
Copyright in any software that is made available for download from the Site belongs to us or our third party licensors and your use of such software is governed by the terms of any license agreement that may accompany or be included with the software. You must not install or use any software unless you agree to the terms of such license agreement.

Warranty and Liability
The Content is only for general information and use and is provided on an "as is" and an "as available" basis. We take reasonable care to check the accuracy and completeness of the Content prior to its publication on the Site. However, because of the variety of sources from which we obtain the Content and the nature of electronic distribution via the Internet, we make no representations and give no warranties as to the accuracy, availability, completeness, merchantability or fitness for any particular purpose of the Content.

We do not warrant that the Content is virus-free or that the operation of the Site will be uninterrupted or error free. Any Content that you download to your computer or otherwise obtain through the Site is at your own discretion. You will be solely responsible for any damage to your computer or any of your data that results from you downloading any of the Content.

WE DO NOT ACCEPT ANY RESPONSIBILITY FOR ANY MISTAKES, ERRORS OR OTHER DEFICIENCIES IN THE SITE AND THE CONTENT AND DISCLAIM ALL LIABILITY IN RESPECT OF YOUR USE OF THE SITE AND THE CONTENT TO THE FULLEST EXTENT POSSIBLE IN EACH APPLICABLE JURISDICTION.

Notwithstanding the provisions of this Section, our liability is not limited in the case of death or personal injury directly caused by our negligence.

Links to other Sites
The Site may contain links or references to products, materials or web sites that are provided by independent third parties either directly or through frames. The availability of such third party material does not constitute any form of recommendation, endorsement or publication of such third party material by us. Any complaints that you have about the third party material should be taken up with the relevant third party.

Your Privacy
We take your privacy very seriously and aim to comply with the relevant local data protection legislation. Any information given to us by you or collected by us during your use of the Site is only used in accordance with the terms of our Privacy Policy Statement.

Products and Services
It may be possible for you to access via certain areas of this Site or via other web sites operated by Experian to which this Site is linked, the facility to purchase products and/or services. The purchase and use of such products and/or services will be subject to separate terms and conditions, and may require you to register with us or a third party.

Other Matters
If any provision of these terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of this notice, which shall remain in full force and effect.
Failure by either party to exercise any right or remedy under these terms does not constitute a waiver of that right or remedy.

These terms shall be governed by, the local law and jurisdiction to settle any dispute that may arise out of, under, or in connection with these terms.

We may make changes to any part of the Site or the Content (including these terms) at any time. We will notify you of any changes to these terms by including them below (see "Changes to Terms"). By using the Site after the date of any change you are agreeing to the changes. If you do not agree to any changes you should not use the Site any after the date of the changes that you do not accept.