Website Terms of Use

Welcome to the Express Reverse Mortgage website. By viewing the pages of our website you acknowledge that you have read and have accepted these Website Terms of Use and our Privacy Policy.

  • Purpose
  • Information on Website
  • Website Links
  • Applications for Credit
  • Electronic Communications Consent
  • Use of Information
  • Limitation of Liability
  • Jurisdiction
  • Further Information
1. Purpose
The purpose of these Terms of Use is to explain to you the terms and conditions on which you visit and use this website. Please read these Terms of Use carefully before using this website.

These Terms of Use are to be read in conjunction with our Privacy Policy. References to “we”, “us” or “Heartland” are references to Heartland Australia Group Pty Limited ACN 604 859 752 and its related bodies corporate (as that term is defined in the Corporations Act 2001 (Cth)).

It is a condition of your use of this website that you observe the Terms of Use at all times.

2. Information on Website
The information on this website has been provided by Express Reverse Mortgage for informational or product application purposes. Express Reverse Mortgage does not warrant the accuracy or completeness of the materials on this website.

We may at any time change the information or product application tools available on this website, without notice, including discontinuing all or any aspects of this site.

No content on this website can or may change any contract for products or services that you may have with Express Reverse Mortgage.

When transmitting your personal information over this site, you should remember that the internet is not a secure environment.

3. Website Links
If Express Reverse Mortgage has provided links to any third-party site for your assistance, this does not imply Heartland’s agreement to or endorsement of any of the information contained on the third party site.

When a third-party website is accessed from this site, users depart Heartland’s website. Heartland will have no liability in respect of any loss or damage arising from any use of a third-party link on the Heartland website or a third party site accessed via any such link.

Should you wish to link the Express Reverse Mortgage website to your website, consent must be sought in writing from us before doing so.

4. Applications for Credit
Nothing on this site is to be construed as Express Reverse Mortgage making any offer to enter into any transaction or relationship with you. For full details of up-to-date service information, charges, interest rates, terms and conditions, and any special offers you should contact Express Reverse Mortgage.

Notwithstanding any information on this site, any application for credit from Express Reverse Mortgage will be subject to our usual lending criteria as applicable at the time of application, together with lending fees, transaction fees, charges and interest as applicable at the time of application.

We strongly recommend that you seek independent advice before acting on any information on this site. This site is not designed for the purpose of providing personal financial or investment advice.

5. Electronic Communication Consent
You consent to us communicating with you electronically if you have provided us with an electronic message (email) address. This consent will apply to all electronic communications permitted by law. Notwithstanding this consent, we may still provide you with any relevant document in paper form.

You may withdraw this consent at any time by contacting us using the details provided below, and requesting to receive communications in paper form.

6. Use of Information
Express Reverse Mortgage has and retains copyright and all other intellectual property rights in all information on this website.

Use of this website is to be limited to non-commercial use, and no part of the information displayed on this website is to be copied or displayed for redistribution to third parties without the written permission of Express Reverse Mortgage.

No information on this website may be changed by any user.

7. Limitation of Liability
To the fullest extent permitted by law, Heartland and its related bodies corporate will not be liable for:
  • any loss, damage, costs or expense, whether direct or indirect, arising out of, or in connection to your use of this website (including, without limitation any product application tools provided); or
  • any changes to the information or application tools available on this website.
8. Jurisdiction
The use of this website and these Terms of Use are to be governed by the laws of the State of Victoria.

9. Further Information
Express Reverse Mortgage
Email: [email protected]
Post: PO Box 18134, Collins Street East, Vic, 8003