The material on this web site under the domain name www.apca.com.au resides on a server in the state of New South Wales, Australia.

Copyright
Australian Payments Clearing Association Limited (APCA) owns the copyright in material on this web site, unless otherwise expressly stated.

Other than for the purposes of, and subject to the conditions prescribed under, the Copyright Act 1968 (Cth) (or any other applicable legislation throughout the world), or as otherwise provided below, no part of any material on this web site may, in any form or by any means, be reproduced, adapted, distributed, stored in a retrieval system, transmitted, printed, displayed, published or commercialised without APCA’s prior written consent. Enquiries should be directed to APCA.

You may:

• print copies of any material on this web site for informational, non-commercial use;
  
  
• store a copy of the material on your local computer solely for viewing it; or
  
  
• copy or distribute any one or more pages of the material in complete and unaltered form, so long as it is appropriately attributed to APCA, and a copy of this copyright notice appears in its entirety in each copy made or distributed.
  

All other rights are reserved by APCA.


Disclaimer
The material on this web site is not intended to be, and should not be relied on as, a substitute for professional advice.

The material on this web site changes from time to time without notice. By accessing or using this web site you acknowledge that APCA has no obligation to notify you of changes to the material on this web site. While APCA endeavours to keep the material on this web site up to date, there may be delays, errors or omissions in doing so. APCA is not liable to any user of this web site or to any other party for such delays, errors or omissions.

In some cases, material on this web site may incorporate or be based on views of, or information provided by, third parties. APCA does not in all cases independently verify such information.

To the extent permitted by applicable law, APCA makes no warranties or representations about this web site or any material on it including, without limitation, warranties or representations:

• as to the quality, accuracy, content, legality, completeness, merchantability or fitness for purpose of this web site or any material on it or printed from it; or
  
  
• that this web site or any material on it is free from computer viruses or other defects. APCA recommends that you take your own precautions to ensure that whatever you select for use from this web site is free from computer viruses or other defects.

To the extent permitted by applicable law, APCA disclaims all liability in connection with this web site or use of or reliance on any material on this web site or printed from it including, without limitation, liability for any loss or damage, however caused, resulting directly or indirectly from use of or reliance on this web site or any material on it, or printed from it.


Links to third party sites
This web site contains links to other web sites. Those links are provided for convenience only.

Linked sites are not under the control of APCA. APCA is not responsible for the contents of those linked sites. Without limitation, APCA does not warrant or represent that material on linked sites does not infringe any intellectual property rights of any person, or that linked sites are free from computer viruses or other defects..

Links to other web sites should not be construed as any endorsement, approval or recommendation by APCA of the owners or operators of those web sites, or of any information, products or services referred to in those web sites. APCA makes no warranties or representations, and takes no responsibility, regarding the accuracy, merchantability, fitness for purpose, or any other aspect of any material on any linked site.

APCA does not, and must not be taken to, authorise any infringement of any intellectual property rights contained in material on other web sites, by providing links to those web sites.


Privacy statement
When you visit this website, your domain name is recorded in our logs. This information is used for statistical and web development purposes only.

APCA also collects personal information from this website through receiving subscription applications and emails. APCA may use external service providers to analyse traffic on this website. Generally, information collected through such analysis is anonymous.

APCA may use and disclose your personal information for the primary purpose for which it is collected, for reasonably expected secondary purposes which are related to the primary purpose and in other circumstances authorised by the Privacy Act 1988 (Cth).

In general, APCA will use and disclose your personal information for the following purposes:

• to conduct APCA’s business;
• to provide APCA’s services;
• to communicate with you; and
• to help APCA manage and enhance its services.

It is APCA’s policy not to sell or pass on any information recorded about your visit to this website or any of your personal information unless we have had your express consent to do so or where APCA is required by law to disclose any information.

APCA will take reasonable steps to protect the security of personal information. Where APCA no longer requires your personal information for a permitted purpose (as outlined above), APCA will take reasonable steps to destroy it.