Terms & Conditions

We need to collect personal information about you to provide you with our broking & related services. This privacy statement tells you how we collect your information, what we use the information for and who we share the information with. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.

 

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Privacy Policy

we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

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What information do we collect and how do we use it?

• We will ask you for personal information when we assist you with your finance. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).

• We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.

• We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.

• We may also use your information internally to help us improve our services and help resolve any problems

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What if you don’t provide some information to us?

If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.

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How do we hold and protect your information?

• We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements

• We hold the information we collect from you.

• We ensure that your information is safe by password multiple layers of password protection and encryption.

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Will we disclose the information we collect to anyone?

• We do not sell, trade, or rent your personal information to others.

• We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.

• We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

 

How can you check, update or change the information we are holding?

• Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.

• If you wish to access or correct your personal information please write to Esat Hassip, Managing Director, on;
  0404256699 or Esat@monei.com.au

• We do not charge for receiving a request for access to personal information or for complying with a correction request. We do not charge for providing access to personal information.

• Your consent: By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

 

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Esat Hassip, Managing Director, on 0404 256 699 or Esat@monei.com.au

 

Internal Dispute Resolution

If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to;
 

• The Complaints Officer at please contact Esat Hassip, Managing Director, on 0404 256 699 or Esat@monei.com.au,
  please make sure you include as much information as you can.

• You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.

 

Compliments and Concerns

• We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.

• We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.
   

Compliments

• Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one.

• If one of our representatives has provided you with exceptional service in any way, please let us know using the details below, so that we can further encourage them via this feedback process.
   

Concerns

• If for any reason, you do not feel that you have received the highest standard of care from us, we encourage you to share this with us. We have developed a process that makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.

• If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.

• Need an Update on your complaint: If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.

 

Resolution

• We will try to deal with your complaint on the spot. However, if this is not possible, we will write to you to acknowledge your complaint within 5 days. We will ensure we treat you fairly and will work to resolve your complaint as soon as possible.

• In the rare event we are still investigating your complaint after 45 days, we will write to you to explain why and to let you know when we expect to have completed our investigation.

• When we have completed our investigation we will write to let you know the outcome and the reasons for our decision.

 

Mortgage Mastery Terms & Conditions
 

Program Licence Terms and Conditions
 

Last modified:  14.04.2023

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Zen Residential Pty Ltd ACN 618 450 383 as trustee for the Zen Residential Trust (Monei/we/us) has developed the Program for you to access and use on these Terms and Conditions. 

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You agree that you shall be bound by these terms and conditions (Agreement) in relation to the licence of the Program to you for access and use by you.

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Without limiting the way in which you may become bound by this Agreement, you will be deemed to have accepted and will be bound by the terms and conditions of this Agreement by signing a document agreeing to be bound by this Agreement, or by proceeding to access and participate in the Program.  This Agreement commences on and from the date you agree to its terms.

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​PROGRAM DETAILS
 

1. Program & Program inclusions
    

Mortgage Mastery Workshop

 

• Access to Mortgage Mastery Workshop & Content

• Provision of Mortgage Mastery Tools & Calculators

• Access to online training portal (lifetime access)

• One Hour One-On-One Training on completion of program.
  
  Fee

• $6,950.00 - six thousand, nine hundred and fifty dollars.
  
  Discounts can be given at the time of sign-up at management's discretion. 

 

2. DEFINITIONS

Client means you, a licensed subscriber of the Program.

 

Confidential Information means all information that is identified as confidential at the time of disclosure by the Disclosing Party (being a party who discloses Confidential Information) or should be reasonably known by the Receiving Party (being a party who receives Confidential Information) to be confidential or proprietary due to the nature of the information disclosed and the circumstances surrounding the disclosure. Confidential Information shall not include information that the Receiving Party can demonstrate: (i) was rightfully in its possession or known to it prior to receipt of the Confidential Information; (ii) is or has become public knowledge through no fault of the Receiving Party; (iii) is rightfully obtained by the Receiving Party from a third party without breach of any confidentiality obligation; or (iv) is independently developed by employees of the Receiving Party who had no access to such information.

 

Content means our written content, articles, videos, graphics etc that make up part of our Program in which Intellectual Property Rights subsist and are owned by us and includes our coaching methodologies and Program materials.

 

Intellectual Property Rights means all intellectual property rights of any kind whatsoever throughout the world, including all present, future, registered and unregistered rights which subsist in copyright, trademarks, patents, designs and circuit layouts and specifically includes the intellectual property rights that subsist in our Program and Content and more specifically access to online training and website materials, all training videos, all checklist and documents downloadable on Monei Website, all calculators downloadable on Monei Website, Income/expense analysis shared with clients from Monei, all Intellectual property and utilisation of all strategies shared or endorsed by Monei and all email contact and consulting advice advised by Monei and its employees to Clients. 

 

Licence means the fee-based licence granted to you to allow you to access to our Program.

 

Fees means the fees payable to Monei for the Licence.

 

Payment Timetable means the dates you agree to pay the Fees.

 

Program means the Monei Mortgage Mastery Workshop for the provision of online home loan reduction workshops and includes access to, and use of our Content.

 

3. THE PROGRAM AND DISCLAIMER
 

1. Subject to the terms and conditions of this Agreement, the provision of the Program to you constitute Monei’s only obligation to you.

2. Monei will provide the Program in accordance with its obligations under laws and government regulations applicable to Monei’s provision of the Program to its users generally, including, without limitation, those related to data privacy and data transfer and the exportation of technical or personal data.

3. You agree that Monei may modify the Program at any time at any time.   

4. You acknowledge and agree that:

   1. Monei Guarantees that the strategies & tools will demonstrate how to reach the predicted result if implemented as intended.

   2. Monei is not providing any financial advice within the Program and that the Program does not constitute financial advice;

   3. the Program is general in nature and must not be relied on by you as a substitute for personal and specific financial advice from a financial professional;

   4. Monei does not guarantee that the Content will always be accurate, reliable, or error-free; and

   5. all Intellectual Property Rights which subsist in the Program, including any data, material, or information created by or on behalf of Monei and displayed or made available to you, together with any adaptations, enhancements or new versions of the same (Monei Intellectual Property Rights) are the exclusive property of Monei.
      
      4. PROGRAM LICENCE

5. In consideration for the payment of Licence Fees, Monei grants to you a non-exclusive, non-transferable, revocable licence (Licence) to allow you to access and use the Program subject to the terms of this Agreement.

6. Notwithstanding clause 4.1, Monei may refuse to grant access to the Program to any person, for any reason whatsoever in its sole discretion.

   
   5. LICENCE FEES

7. In relation to your Licence, you will pay the Licence Fees to us in the time and manner we specify in this Agreement and if not specified in this Agreement, in the time and manner we specify from time-to-time.

8. All amounts payable to us under this Agreement are provided by such merchant facility as we use from time to time (such as Stripe and PayPal) (Payment Processor) and are subject to the Payment Processor terms of service. By agreeing to these Terms, you agree to be bound by their terms of service, as the same may be modified by the Payment Processor from time to time.

9. As a condition of us enabling payment processing services through the Payment Processor, you agree to provide us with accurate and complete information about you, and you authorise us to share such info with the Payment Processor together with transaction information related to your use of the payment processing services provided by the Payment Processor.[AT2] 

10. Unless expressly specified to the contrary, all amounts payable under this Agreement (consideration) by you to us have been expressed to be exclusive of GST.  You will, at the same time as paying the consideration to us, pay an additional amount on account of such GST, so that after deduction of such GST, we receive no less than the amount of the consideration.

11. Other than as expressly provided for in this Agreement, Licence Fees are non-refundable.

12. Failure to pay any monies due to Monei within seven days of the due date for payment will constitute a breach of an essential term of this Agreement and, without limiting any remedies available to Monei, Monei may charge interest at the lesser of the rate of one and one half percent (1.5%) per month or part thereof and the maximum rate permitted by applicable law. You will reimburse us for all costs we incur in collecting overdue fees.

13. We may suspend or terminate access to the Program if you fail to pay any Fees in accordance with the Payment Timetable.
    
    6. MONEI CONTENT

14. All content and information and in the delivery of the Program including, but not limited to, Content, messages, information, text, music, sound, photos, graphics, video, maps, icons, software, code or other material, as well as the infrastructure used to provide such content and information, is owned by Monei or its third party licensors and forms part of Monei Content.

15. Monei either owns all right, title and interest (including all Intellectual Property Rights) in and to Monei Content or has a right to, by way of licence or other agreement, to Monei Content. 
    
    7. PROHIBITED USES
    You agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, code, products, or our Program or Content other than in accordance with the express limited licence granted to you under this Agreement. Additionally, you agree not to:

    1. use the Program or our Content for any commercial purpose, other than in accordance with your Licence and the terms of this Agreement;

    2. use another person's name, account, identity or password without permission, or use the Program while impersonating another person;

    3. not use, copy, reproduce, reverse engineer, alter, modify, create derivative works, or publicly display any Intellectual Property without the prior written permission of Monei;

    4. not claim any title or right to use the Program or Content other than in accordance with the terms of this Agreement;

    5. access, monitor or copy any content or information of the Program using any robot, spider, scraper or other automated means or any manual process for any purpose other than in accordance with the terms of this Agreement or your Licence;

    6. deep-link to any portion of the Program for any purpose; or

    7. attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any of the Program or Content.
       
       8. INTELLECTUAL PROPERTY

16. You agree that Monei or its suppliers retain all right, title and interest (including all Intellectual Property Rights) in and to the Content and Program, all documentation and software and any and all related and underlying technology and documentation and any derivative works, modifications, or improvements of any of the foregoing.

17. Except for the express limited rights set forth in this Agreement, no right, title or interest in any Monei Content is granted to you.
    
    9. CONFIDENTIALITY & PRIVACY

18. Monei will keep confidential all information provided by you or on your behalf which you designate in writing as confidential and will only use or disclose such confidential information: (a) for the purpose of providing access to and use of the Program under this Agreement; (b) with consent; (c) in anonymized and aggregated form; or (d) as may otherwise be required or permitted by law.

19. You must keep all of our Content and processes that form the Program confidential.

20. Both you and Monei agree to comply with all applicable privacy laws in dealing with any personal information or other identifying information provided by you to Monei (Personal Information). Both you and Monei must at all times collect, use, hold, destroy, and disclose Personal Information in accordance with each party’s respective privacy policy and applicable law.
    
    10. YOUR INDEMNITY

21. You indemnify and keep indemnified, Monei, its agents, employees and officers against all loss, cost, expense or damage which Monei, its agents, employees or officers suffer or incur, as a direct or indirect result of:

    1. any misuse of the Program by you in breach of this Agreement;

    2. your breach of this Agreement or violation of any law or Monei Intellectual Property Rights or Intellectual Property Rights; or

    3. any legal proceedings or any claim made against Monei by a third party, which arises directly or indirectly from the use of the Program.

22. Any amount payable by you under the forgoing indemnity will be reduced to the extent that Monei caused or contributed to the relevant act or event giving rise to the indemnity.
    
    11. WARRANTY

23. You acknowledge and agree that Monei has made no warranties that the Program will be error free. 

24. Except as expressly set forth in this Agreement, the Program is provided as is and Monei makes no other warranties, express or implied, statutory or otherwise, including but not limited to warranties of merchantability, title, fitness for a particular purpose, or non-infringement. Monei does not warrant that the use of the Program will be uninterrupted or error-free.
    
    12. LIABILITY AND DISCLAIMER
    You agree that Monei will not be liable or responsible for any failure in, or delay to, the provision of the Program or in Monei complying with its obligations under this Agreement where such failure or delay has arisen as a direct or indirect result of:

    1. epidemic, pandemic, fire, earthquake, storm, flood, hurricane, inclement weather or other act of God, war, terrorism, explosion, sabotage, industrial accident or an industrial strike;

    2. denial of service attacks, telecommunications failure, hardware failure or the failure of software provided by a third party to function in accordance with its specifications;

    3. a significant demand being placed on telecommunications infrastructure, or on Monei’s services, which is above the usual level of demand, and which results in a failure of Monei’s software and hardware to function correctly or in a timely manner;

    4. the failure of any third party to fulfil any obligations to Monei; or

    5. any other circumstances or event similar to the above which is beyond the reasonable control of Monei.

25. In the event any terms, conditions, representations or warranties are implied by statute, common law or equity into this Agreement which cannot be lawfully excluded (Prescribed Terms), such Prescribed Terms will apply, save that Monei’s liability for breach of any such Prescribed Terms will be limited, to the extent permitted by law, at Monei’s option, to any one or more of the following:

    1. in the case of services, the cost of supplying the services again or payment of the cost of having the services supplied again; and

    2. in the case of software or other goods, the cost of replacing the goods, supplying equivalent goods or having the goods repaired, or payment of the cost of replacing the goods, supplying equivalent goods or having the goods repaired

26. If Monei’s liability for breach of any Prescribed Terms are capable of exclusion, they are hereby excluded to the fullest extent permitted by law

27. To the extent permitted by law, and subject to clause 12.3, any conditions, warranties, guarantees, rights, remedies, liabilities and other terms implied or conferred by statute, custom or the general law that impose any liability or obligation on us are excluded under this Agreement. 

28. Subject to clause 12.3, and to the extent permitted by law, Monei’s liability to you sarising directly or indirectly under or in connection with this Agreement or otherwise in connection with or in any way relating to the Program, and whether arising under any indemnity, statute, in tort (for negligence or otherwise) or on any other basis in law or equity, is limited as follows:

    1. Monei excludes all liability for loss of revenue, loss of use, lost or inaccurate data, loss of goodwill, loss of customers, loss of capital, downtime costs, loss of profit, loss of or damage to reputation, loss under or in relation to any other contract, loss of data, loss of use of data, loss of anticipated savings or benefits, or any indirect, consequential or special loss, damage, cost or expense or other claims for consequential compensation, incurred by or awarded against you under or in any way connected with this Agreement or otherwise in connection with or in any way relating to the Program; and

    2. Monei’s total aggregate liability (for damages or liability of any type) under or in any way connected with this Agreement or otherwise in connection with or in any way relating to the Program, is otherwise limited to the greater of:

       1. AUD10.00; and

       2. the total of all Licence Fees you have paid to us or are payable to us, in the prior 12 months.
          
          13. GENERAL CLAUSES

29. In the interpretation of this Agreement unless the context otherwise requires:

    1. headings and words in bold type are included for convenience only and do not affect interpretation;

    2. the words "includes" or "including" mean "includes without limitation" or "including without limitation";

    3. a reference to a word includes the singular and the plural of the word and vice versa;

    4. a reference to a gender includes any gender;

    5. if a word or phrase is defined, then other parts of speech and grammatical forms of that word or phrase have a corresponding meaning;

    6. a term which refers to a person includes a person in any capacity, a body corporate, an unincorporated body (for example a society or association), a trust, a partnership, a sovereign state, a government or a government department or agency;

    7. a reference to a document includes a reference to that document as amended, novated, supplemented, varied or replaced;

    8. a reference to a recital, clause, paragraph, schedule, annexure or other part is a reference to an item of that type in this Agreement;

    9. a reference to a party is a reference to a party to this Agreement and includes a reference to that party’s successors, personal legal representatives and permitted assigns;

    10. a reference to a statute or regulation or a provision of a statute or regulation includes a reference to that statute, regulation or provision as amended or replaced, and a reference to a statute includes all regulations, proclamations, ordinances and by-laws made or issued under that statute; and

    11. if an individual party to this Agreement consists of two or more persons, then those persons are bound both jointly and severally.

30. Any notice given under this Agreement must be in writing and must be signed by the party giving the notice. Unless a later time is specified in a notice, the notice takes effect from the time it is received. A notice is taken to be received:

    1. in the case of a notice delivered by hand, when so delivered;

    2. in the case of a notice sent by pre-paid express post, on the third clear Business Day after the date of posting; or

    3. in the case of a notice sent by email, at the time that the email is sent, unless the sender receives a notification that the email was delayed or not received.

31. Neither party is the partner, agent, employee or representative of any other party and neither party has the power to incur any obligations on behalf of any other party.

32. There are no other representations, promises, warranties, covenants or undertakings between the parties and this Agreement supersedes all previous agreements in respect of its subject matter and embodies the entire agreement between the parties.

33. A provision of or a right created under this Agreement may not be waived except in writing signed by the party or parties to be bound by the waiver. No single or partial exercise by any party of any right, power or remedy under this Agreement will preclude any other or further exercise of that or any other right, power or remedy. The rights, powers or remedies provided in this Agreement are cumulative with and not exclusive of any rights, powers or remedies provided independently of this Agreement.

34. If any provision of this Agreement is judged invalid or unenforceable for any reason whatsoever by a court of competent jurisdiction, such invalidity or unenforceability (unless deletion of such provision would materially adversely affect one of the parties) will not affect the operation or interpretation of any other provision of this Agreement to the extent that the invalid or unenforceable provision will be treated as severed from this Agreement.

35. You must not assign or novate any of your rights or obligations under this Agreement. You agree that Monei may however assign or novate this Agreement at any time, with or without notice to you.

36. The parties acknowledge and agree that no rule of construction applies to the disadvantage of a party because that party was responsible for the preparation of this Agreement or part of it.

37. This Agreement will be construed in accordance with and will be governed by the laws in force in New South Wales, Australia. Each of the parties irrevocably submits to and accepts the exclusive jurisdiction of any of the Courts of New South Wales, Australia.

Notice of Dispute

If either party considers that there is a dispute between the parties, that party must give the other a notice (dispute notice) setting out:

1. what the party considers is in dispute; and

2. what that party requires to be done to resolve the dispute and the grounds it has for those requirements.

Settlement Conference

If the dispute is not resolved within fourteen (14) days of delivery of the dispute notice, the parties must attempt to resolve the dispute by mediation with a mediator approved by both parties or a mediator appointed by the President of the New South Wales Law Society Incorporated.

Commencing Proceedings

The parties will not commence proceedings in any Court in relation to a matter subject to mediation unless a written notice is first provided to the other parties to the mediation that the party giving the notice has abandoned the mediation.

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Disclaimer

The information contained on this website is of a general nature and does not take in to account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply.

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The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Monei.

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Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.

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General Advice Warning

Unless expressly stated, all educational presentations shared by money contain factual information and general advice that have not been tailored to your personal circumstances.
 

Any webinar or content shared by Monei is for educational purposes ONLY!

All information contained in this presentation/communication is not intended or be construed as advice, solicitation, or a recommendation for any financial product unless expressly stated. Any advice from Monei or any of it’s related associates and entities will be provided to you personally in writing should you seek personal, specific advice from any of Monei’s associated entities or advisors.
 

Please seek personal Credit, financial and tax and/or legal advice prior to acting on the information contained in this educational presentation.
 

NO financial planning advice is contained within this presentation, you should seek independent financial advice should you have specific financial planning requirements or we can refer you to our associated financial advice firm. If financial advice is required it will be provided in writing after assessing your specific individual circumstances by an authorized representative.

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