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Terms and Conditions

These terms and conditions are the contract between you and HSD Finance Pty Ltd  (“us”, “we”, etc). By visiting or using Our Website, or signing up for our Services, you agree to be bound by them.


We are HSD Finance Pty Ltd, a company registered in the Commonwealth of Australia; number 156 196 897


Our address is Suite 1, 59 Rickard Road, Bankstown NSW 2200.


Australian Business Number: 14 632 174 880


You are: Anyone who uses Our Website or buys any service from us.


This is an Australian Website.

These are the agreed terms


means the textual, visual or aural content that is encountered as part of your experience on Our Website. It may include, among other things: text, images, sounds, videos and animations. It includes Content Posted by you.


means Content Posted by you.

"Intellectual Property"    

means intellectual property owned by us, of every sort, whether or not registered or registrable in any country, including intellectual property of kinds coming into existence after today; and including, among others, patents, trademarks, unregistered marks, designs, copyrights, software, domain names, discoveries, creations and inventions, together with all rights which are derived from those rights.


“Our Website”  

 means all of the hardware and software installation that enables our website to function.



means place on or into Our Website any Content or material of any sort by any means.



means all of the services available from Our Website, whether free or charged.


means anyone who visits Our Website.


In this agreement unless the context otherwise requires:

  1. A reference to a person includes a human individual, a corporate entity and any organisation which is managed or controlled as a unit.

  2. A reference to a person includes reference to that person’s successors, legal representatives, permitted assigns and any person to whom rights and obligations are transferred or pass as a result of a merger, division, reconstruction or other re-organisation involving that person.

  3. In the context of permission, “may not” in connection with an action of yours, means “must not”.

  4. The headings to the paragraphs and schedules (if any) to this agreement are inserted for convenience only and do not affect the interpretation.

  5. Any agreement by any party not to do or omit to do something includes an obligation not to allow some other person to do or omit to do that same thing.

  6. Except where stated otherwise, any obligation of any person arising from this agreement may be performed by any other person.

  7. A reference to the knowledge, information, belief or awareness of any person shall be deemed to include the knowledge, information, belief or awareness that person would have if he had made reasonable inquiries.

  8. The words “without limitation” shall be deemed to follow any use of the words “include” or “including” herein.

  9. A reference to an act or regulation includes new law of substantially the same intent as the act or regulation referred to.

  10. In any indemnity, a reference to costs or expenses shall be construed as including the estimated cost of management time of the indemnified party.

  11. All money sums mentioned in this agreement are calculated net of GST, which will be charged when payment is due.

  12. These terms and conditions apply to all supplies of Services by us. They prevail over any terms proposed by you.

  13. This agreement is made only in the English language. If there is any conflict in meaning between the English language version of this agreement and any version or translation of this agreement in any other language, the English language version shall prevail.

Basis of Contract
  1. In entering into this contract you have not relied on any representation or information from any source except the definition and explanation of the Services given on Our Website.

  2. Subject to these terms and conditions, we agree to provide to you some or all of the Services and products described on Our Website at the prices we charge from time to time.

  3. You acknowledge that you understand exactly what is included in the Services and you are satisfied that the Services are suitable and satisfactory for your requirements;

  4. So far as we allow use of our Intellectual Property, we grant a licence to you, limited to the terms set out in this agreement.

  5. Our contract with you and licence to you last for one month from the date of start / payment. Any continuation by us or by you after the expiry of one month is a new contract in the terms then shown on Our Website. Your continued use of our Services after that shall be deemed acceptance by you of the changed Service, system and/or terms.

  6. The Contract between us comes into existence when we receive payment from you for a Service or when we write to you to confirm that we agree to provide to you the Service you want. If we decline to provide a Service we shall immediately return your money to your credit card.

  7. We may change this agreement and / or the way we provide the Services, at any time. If we do:

    1. the change will take effect when we Post it on Our Website.

    2. we will give you notice of the change. If you do not accept the change, we will refund the money you have paid for the Service to date.

    3. if you make any payment for Services or Goods in the future, you will do so under the terms Posted on Our Website at that time.

The price
  1. The prices payable for Services are clearly set out on Our Website.

  2. The price charged for any Services may differ from one country to another. You may not be entitled to the lowest price unless you reside in the qualifying country.

  3. Prices are inclusive of any applicable goods and services tax or other sales tax.

  4. All monies paid by you to us are non-refundable and cancellation and/or termination of this Agreement by you or us at any time for any reason will not entitle you to a refund of monies paid.

Renewal payments
  1. We provide a month to month subscription based services/products. Payment would be taken from the authorised card or account until the service has been suspended or cancelled by either us or you

  2. At any time before expiry of your subscription, you may use the “My Account” tab on Our Website to access your personal information and cancel renewal.

  3. At expiry of your subscription we shall automatically take payment from your credit card of the sum specified amount and shall confirm the renewal for a further period by sending you an email message.

Other restrictions

You agree that you will not use or allow anyone else to use Our Website:

  1. to sell or promote any product or service without our express written consent;

  2. in a way which violates the law of any country in which we operate, or which fails to comply with accepted Internet protocol;

  3. for spamming. Spamming includes, but is not limited to:

    1. the bulk sending of unsolicited messages, or the sending of unsolicited emails which provoke complaints from recipients;

    2. the use of distribution lists that include people who have not given specific permission to be included in such distribution process;

    3. excessive and repeated Posting off-topic messages to newsgroups;

    4. sending age-inappropriate communications or Content to anyone under the age of 18.

Removal of offensive Content
  1. For the avoidance of doubt, this paragraph is addressed to any person who comes on Our Website for any purpose.

  2. We are under no obligation to monitor or record the activity of any customer for any purpose, nor do we assume any responsibility to monitor or police Internet-related activities. However, we may do so without notice to you and without giving you a reason.

  3. If you are offended by any Content, the following procedure applies:

    1. your claim or complaint must be submitted to us in the form available on Our Website, or contain the same information as that requested in our form. It must be sent to us by post or email;

    2. we shall remove the offending Content as soon as we are reasonably able;

    3. after we receive notice of a claim or complaint, we shall investigate so far as we alone decide;

    4. we may re-instate the Content about which you have complained or not

  4. In respect of any complaint made by you or any person on your behalf, whether using our form of complaint or not, you now irrevocably grant to us a licence to publish the complaint and all ensuing correspondence and communication, without limit.

  5. You now agree that if any complaint is made by you frivolously or vexatiously you will repay us the cost of our investigation including legal fees, if any.

Security of Our Website

We may, at our discretion or as part of a paid Service, give you permission to access Our Website for the purpose of Posting or uploading a Contribution or Content of some sort. We may read, assess, review or moderate any Contribution or Content Posted on Our Website. If we do, we need not notify you or give you a reason.


If you violate Our Website or use it unlawfully or immorally, we will take the strongest action against you that we can. By breaching this provision, you would commit a criminal offence under the Cybercrime Act 2001. Your action may be unlawful in some countries, where you may accordingly be subject to extradition and criminal proceedings.


You now agree that you will not, and will not allow any other person to:

  1. modify, copy, or cause damage or unintended effect to any portion of Our Website, or any software used within it;

  2. link to our site in any way that would cause the appearance or presentation of the site to be different from what would be seen by a user who accessed the site by typing the URL into a standard browser;

  3. download any part of Our Website, without our express written consent;

  4. collect or use any product listings, descriptions, or prices;

  5. collect or use any information obtained from or about Our Website or the Content except as intended by this agreement;

  6. aggregate, copy or duplicate in any manner any of the Content or information available from Our Website, other than as permitted by this agreement or as is reasonably necessary for your use of the Services;

  7. for any purpose use our name, any proprietary information (including images, text, page layout, or form) of ours or of our affiliates in any way and in particular to entice search robots to some other website;

  8. use Our Website to hack into the computer of any other person or make contact with any other computer;

  9. make available or upload files that contain software or other material, data or information not owned or licensed to you, including pirated computer programs, pirated music or other media or links to any such files;

  10. make available, upload or distribute by any means any material or files that contain any viruses, bugs, corrupt data, “Trojan horses”, “worms” or any other harmful software;

  11. upload or republish any part of our Content on any Internet, intranet or extranet site;

  12. hide or remove the banner advertisements on any page of Our Website;

  13. share with a third party any login credentials to Our Website;

  14. use on Our Website software which assists in:

    1. data mining, extraction or collection;

    2. emulating, phreaking, hacking, password cracking, IP spoofing or over-loading Our Website;

    3. “framing”, inserting pop-up windows, interstitial pages or advertisements, or similar techniques;

    4. performing any automated operation.

  15. Despite the above terms, we now grant a licence to you to:

    1. create a hyperlink to Our Website for the purpose of promoting an interest common to both of us. You can do this without specific permission. This licence is conditional upon your not portraying us or any product or service in a false, misleading, derogatory, or otherwise offensive manner. You may not use any logo or other proprietary graphic or trademark of ours as part of the link without our express written consent.

    2. you may copy the text of any page for your personal use in connection with the purpose of Our Website or a Service we provide.

Uploading to our servers
  1. You must not upload to, or store on our servers any material or Content which you are not permitted by this agreement to Post to Our Website.

  2. You may not share, let or sub-license space on the servers. (except as an authorised re-seller).

  3. You may not upload to any shared server, any of the following pages, namely those:

    1. pages with banners, graphics or cgi scripts running from their domain being used on other domains. (e.g., hot-linking, image-sucking, load-spreading);

    2. pages with very large graphic archives or galleries;

    3. pages offering download archives or large media distribution (>5GB), such as .zip, .tar, .sit, .ra, .avi, .mov, .asf and .GZ;

    4. pages running large or busy chat rooms;

    5. pages using more than 5% of system resources.

  4. You may not send more than 50 email messages per hour.

Storage of data
  1. We assume no responsibility for the deletion or failure to store or deliver email or other messages.

  2. We may, from time to time, set a limit on the number of messages you may send, store, or receive through the Service. We may delete messages in excess of that limit. We shall give you notice of any change to your limit, except in an emergency.

  3. You accept that we cannot be liable to you for any such deletion or failure to deliver to you.

  4. We maintain reasonable procedures for general backup of data for our own purposes but we give no warranty that your data will be saved or backed up in any particular circumstances unless we have made specific contractual arrangements with you in writing.


This agreement may be terminated:

  1. Upon either of us giving the other 30 days notice in writing addressed by post to the last known land address or by e-mail to the last known e-mail address of the other of us. For this and all purposed in connection with this agreement, our addresses are as at the head of this document. If your cancellation is to be effective, you must give us full information to enable us to identify:

    1. who you are and;

    2. that you have proper authority to cancel and;

    3. the Services you wish to cancel.

  2. when we terminate it, without notice, on account of your failure to comply with these terms.

  3. immediately by either party if a trustee receiver administrative receiver or similar officer is appointed in respect of all or any part of the business or assets of the other party or if a petition is presented or a meeting is convened for the purpose of considering a resolution or other steps are taken for the winding up of the other party or for the making of an administration or bankruptcy order (otherwise than for the purpose of an amalgamation or reconstruction).

  4. Any termination of this agreement by this paragraph shall be without prejudice to any other rights or remedies to which a party may be entitled.

  5. Termination by either party shall have the following effects:

    1. your right to use the Services immediately ceases;

    2. we are under no obligation to forward any unread or unsent messages to you or any third party;

  6. In the event of such termination by us, we will within seven days refund to you the balance of your subscription outstanding for any Service, pro rata with time not elapsed;

  7. There shall be no re-reimbursement or credit if we decide in our absolute discretion that you have failed to comply with any of the terms of this agreement.

Interruption to Services
  1. If it is necessary for us to interrupt the Services, we will give you reasonable notice where this is possible and when we judge the down time is such as to justify telling you.

  2. You acknowledge that the Services may also be interrupted for many reasons beyond our control.

  3. You agree that we are not liable to you for any loss, foreseeable or not, arising from any interruption to the Services.

Intellectual Property

You agree that at all times you will:

  1. not to cause or permit anything which may damage or endanger our title to the Intellectual Property.

  2. notify us of any suspected infringement of the Intellectual Property;

  3. indemnify us for any loss or expense arising from your misuse of the Intellectual Property;

  4. on the expiry or termination of this agreement immediately stop using the Intellectual Property except as expressly authorised by the Company in writing;

  5. not use any name or mark similar to or capable of being confused with any name or mark of ours;

  6. so far as concerns software provided or made accessible by us to you, you will not:

    1. copy, or make any change to any part of its code;

    2. use it in any way not anticipated by this agreement;

    3. give access to it to any other person than you, the licensee in this agreement;

    4. in any way provide any information about it to any other person or generally.

  7. not use the Intellectual Property except directly in our interest.

Bandwidth and data storage
  1. You agree that bandwidth and storage requirement shall not exceed the amount ordered by you.

  2. If your bandwidth and storage requirement exceeds the contractually ordered amount we may in our discretion:

    1. charge the price currently charged by us for the additional usage you have used, such charges to be paid within 30 days of the invoice date; or

    2. if in our opinion your usage puts at risk the continued Services provision to other customers, we may limit the Services we provide to what we have agreed in our contract with you. We may not be able to give you notice of this.

  3. We assume no responsibility for the deletion or failure to store or deliver email or other messages.

  4. We may, from time to time, set a limit on the number of messages you may send, store, or receive through the Service. We may delete messages in excess of that limit. We shall give you notice of any change to your limit, except in an emergency.

  5. You accept that we cannot be liable to you for any such deletion or failure to deliver to you.

  6. We maintain reasonable procedures for general backup of data for our own purposes but we give no warranty that your data will be saved or backed up in any particular circumstances unless we have made specific contractual arrangements with you in writing.

Limitation of liability
  1. The law differs from one country to another. This paragraph applies so far as the applicable law allows.

  2. All implied conditions, warranties and terms are excluded from this agreement.

  3. The HSD Finance website and HSD Finance Services are provided “as is”. We make no representation or warranty that the Service will be:

    1. useful to you;

    2. of satisfactory quality;

    3. fit for a particular purpose;

    4. available or accessible, without interruption, or without error;

  4. Our Website contains links to other Internet websites. We have neither power nor control over any such website. You acknowledge and agree that we shall not be liable in any way for the Content of any such linked website, nor for any loss or damage arising from your use of any such website.

  5. We claim no expert knowledge in any subject. We disclaim any obligation or liability to you arising directly or indirectly from information you take from Our Website.

  6. We accept no responsibility for:

    1. malfunction in any hardware provided by you;

    2. malfunction in any software provided by you;

    3. malfunction in any software provided by us unless you can prove that it was defective when you received it from us;

    4. any firewall provision not specified in the Services;

    5. delivery of material or privacy of any transmission;

  7. You agree that in any circumstances when we may become liable to you, the limit of our liability is the amount you have paid us in the immediately preceding 1 month period for the Services concerned.

  8. Except in the case of death or personal injury, our total liability under this Agreement, however it arises, shall not exceed the sum of $ 1,000.

  9. We shall not be liable to you for any loss or expense which is:

    1. indirect or consequential loss; or

    2. economic loss or other loss of turnover, profits, business or goodwill even if such loss was reasonably foreseeable or we knew you might incur it.

  10. This paragraph (and any other paragraph which excludes or restricts our liability) applies to our directors, officers, employees, subcontractors, agents and affiliated companies as well as to us.

  11. Nothing in this agreement excludes liability for a Party's fraud.

You indemnify us

You agree to indemnify us against all costs, claims and expense arising directly or indirectly from:

  1. your failure to comply with the law of any country;

  2. your breach of this agreement;

  3. any act, neglect or default by any agent, employee, licensee or customer of yours;

  4. a contractual claim arising from your use of the Services;

  5. any content you place on your website;

  6. any Content you Post to Our Website;

  7. any data you send or upload to Our Website for storage or any other purpose;

  8. a breach of the intellectual property rights of any person;

  9. your failure to conform to any relevant Internet protocol;

  10. the posting by any third party with or without your knowledge of any material on your website;

  11. any action taken or omitted by any third party in relation to your website;

  12. any use of your website for a purpose forbidden by this agreement;

For the purpose of this paragraph you agree that the cost of our management and technical time is properly recoverable and can reasonably be valued at $150.00 per hour without further proof.

Miscellaneous matters
  1. You undertake to provide to us your current land address, e-mail address, telephone and fax numbers as often as they are changed together with all information that we may require to enable us to fulfil our obligations under this contract.

  2. The schedules, if any, to this agreement are part of the agreement and have the same force and effect.

  3. No amendment or variation to this agreement is valid unless in writing, signed by each of the parties or his authorised representative.

  4. If any term or provision of this agreement is at any time held by any jurisdiction to be void, invalid or unenforceable, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. Subject to that, each provision shall be interpreted as severable and shall not in any way affect any other of these terms.

  5. The rights and obligations of the parties set out in this agreement shall pass to any permitted successor in title.

  6. If you are in breach of any term of this agreement, we may:

    1. publish all text and Content relating to the claimed breach, including your name and email address and all correspondence between us and our respective advisers; and you now irrevocably give your consent to such publication.

    2. terminate your account and refuse access to Our Website;

    3. remove or edit Content, or cancel any order at our discretion;

    4. issue a claim in any court.

  7. Any obligation in this agreement intended to continue to have effect after termination or completion shall so continue.

  8. No failure or delay by any party to exercise any right, power or remedy will operate as a waiver of it nor indicate any intention to reduce that or any other right in the future.

  9. You agree that we may disclose your information including assigned IP numbers, account history, account use, etc. to any judicial or proper legal authority who makes a written request without further consent or notification to you.

  10. Any communication to be served on either of the Parties by the other shall be delivered by hand or sent by first class post or recorded delivery or by fax or by e-mail.

    It shall be deemed to have been delivered

    If delivered by hand: on the day of delivery;

    If sent by post to the correct address: within 72 hours of posting;

    If sent by fax to the correct number: within 24 hours;

    If sent by e-mail to the address from which the receiving party has last sent e-mail: within 24 hours if no notice of non-receipt has been received by the sender.

  11. In the event of a dispute between the parties to this agreement, then they undertake to attempt to settle the dispute by engaging in good faith with the other in a process of mediation before commencing arbitration or litigation.

  12. This agreement does not give any right to any third party, except that any provision in this agreement which excludes or restricts the liability of our directors, officers, employees, subcontractors, agents and affiliated companies.

  13. Neither party shall be liable for any failure or delay in performance of this agreement which is caused by circumstances beyond its reasonable control, including any labour dispute between a party and its employees.

  14. In the event of any conflict between any term of this agreement and the provisions of the articles of a limited company or any comparable document intended to regulate any other corporate or collective body, then the terms of this agreement shall prevail.

  15. Each party shall bear its own legal costs and other costs and expenses arising in connection with the negotiation and drafting of this agreement.

  16. The validity, construction and performance of this agreement shall be governed by the laws of the State of Queensland, Australia and you agree that any dispute arising from it shall be litigated only in the State of Queensland, Australia.

Special additional provisions relating only to domain names

These terms apply when you instruct us to register, renew, transfer in or transfer out, a domain name and are in addition to the terms set out above. You agree to be bound by them.

These terms were last modified on 16/06/2023

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