Our Terms and Conditions describe the way in which we operate Australian Moneymarket, and cover the legal issues involved, so it is important that you take some time to read them. By agreeing to these terms and conditions you are permitted to use our website.

We provide comparative information on products whose provider has chosen to promote them through our website. We then provide the ability to deal in these products without leaving the Australian Moneymarket website.

In order to view specific product information on the site, you will need to register as a member. In order to deal in any of these products, you will need to set up investment accounts in the name of the investing entity.

When you accept a deal on the site, we send the relevant provider the following information:

• a contract note containing the terms of the deal
• an application form containing details required to open an account in your name (if required)
• the authority to direct debit your Money Market Deposit Account for the amount prescribed in the contract note (if required)

We will also provide you with a contract note to confirm the terms of the deal.

The existence of this contract note does not indicate that your application has been successful, since this information needs to come from the provider themselves. The provider will confirm both to you and Australian Moneymarket the completion of the transaction.

Before accepting any deal, it is important that you check that the terms of the deal are correct. The full product disclosure statement from the provider will be made available before completion of any deal. These are the terms and conditions that you agree to by dealing with them and are completely separate from those of Australian Moneymarket.

We accept no responsibility, or any liability whatsoever, for the terms applying to any of the product entered into with any provider, or for any problems or complaints that may arise in relation to these products. If any information has been incorrectly entered it is your responsibility to identify the mistake and, as such, we exclude, all our liability which, by law, we can exclude, in respect of all losses you may incur.

We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

To utilise the system, it is a requirement that each account has a corresponding Bank of Queensland Money Market Deposit Account opened. This bank account, opened in your own name, is managed by DDH Graham Limited, acting as agents for the Bank of Queensland.

When you instruct us to invest funds with an institution on your behalf via www.moneymarket.com.au, these instructions are passed to the institution and DDH Graham Limited to settle these funds.

If you have any queries concerning your direct debit arrangements, please contact Australian Moneymarket on 1300 306 281. If you wish to stop or cancel a direct debit request, please direct your query to us.

All Direct Debits are actioned by DDH Graham Limited, and as such, this Agreement is between you and them.

account means the account held at your financial institution from which we are authorised to arrange for funds to be debited.
agreement means this Direct Debit Request Service Agreement between you and us.
business day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
debit day means the day that payment by you to us is due.
debit payment means a particular transaction where a debit is made.
direct debit request means the Direct Debit Request between us and you
us or we means DDH Graham Limited - the Debit User you have authorised by signing a direct debit request.
your financial institution is the financial institution where you hold the account that you have authorised us to arrange to debit.

1.1 By signing a direct debit request, you have authorised us to arrange for funds to be debited from your account. You should refer to the direct debit request and this agreement for the terms of the arrangement between us and you.
1.2 We will only arrange for funds to be debited from your account as authorised in the direct debit request.
1.3 If the debit day falls on a day that is not a business day, we may direct your financial institution to debit your account on the following business day. If you are unsure about which day your account has or will be debited you should contact us.

2.1 We will not vary any details of this agreement or a direct debit request without giving you at least seven (7) days written notice.

3.1 If you wish to change the arrangements under a direct debit request you must notify us in writing at least seven (7) days before the change is to be effective.
3.2 If you wish to stop or defer a debit payment you must notify us in writing at least seven (7) days before the next debit day. This notice should be given to us in the first instance.

4.1 It is your responsibility to ensure that:
(a) to ensure the DDR is signed in terms of account signing authority (ie: joint accounts);
(b) to ensure we are advised if your account is transferred or closed;
(c) to arrange a suitable alternative payment arrangement if the DDR is cancelled;
(d) there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the direct debit request.
4.2 If there are insufficient clear funds in your account to meet a debit payment:
(a) you may be charged a fee and/or interest by your financial institution;
(b) you may also incur fees or charges imposed or incurred by us; and
(c) you must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment.
4.3 You should check your account statement to verify that the amounts debited from your account are correct

5.1 You may cancel your authority for us to debit your account at any time by giving us notice in writing. This notice should be given to us in the first instance.
5.2 We can decide at our discretion to cancel this DDR should the dishonour history warrant.

6.1 If you believe that there has been an error in debiting your account, you should notify us directly and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly.
6.2 If we conclude as a result of our investigations that your account has been incorrectly debited we will respond to your query by passing an adjustment to your account (inclusive of any interest / charges accrued as a result of the incorrect amount being debited) accordingly. We will also notify you in writing of the amount by which your account has been adjusted.
6.3 If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding.
6.4 Any queries you may have about an error made in debiting your account should be directed to us in the first instance so that we can attempt to resolve the matter between us and you. If we cannot resolve the matter you can still refer it to your financial institution which will obtain details from you of the disputed transaction and may lodge a claim on your behalf.

7.1 You should check:
(a) with your financial institution whether direct debiting is available from your account as direct debiting is not available on all accounts offered by financial institutions.
(b) your account details which you have provided to us are correct by checking them against a recent account statement; and
(c) with your financial institution before completing the direct debit request if you have any queries about how to complete the direct debit request.

8.1 We will keep any information (including your account details) in your direct debit request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.
8.2 We will only disclose information that we have about you:
(a) to the extent specifically required by law; or
(b) for the purposes of this agreement (including disclosing information in connection with any query or claim).
8.3 We will collect, use and disclose any personal information in accordance with DDH Graham Limited’s privacy policy which is available upon request

9.1 If you wish to notify us in writing about anything relating to this agreement, you should write to us at the address listed below.
9.2 We will notify you by sending a notice in the ordinary post to the address you have given us in the direct debit request.
9.3 Any notice will be deemed to have been received two business days after it is posted.

You can contact us through the channels on the contact us page

Australian Moneymarket treats security seriously.

We have asked you to provide us with a password to help us protect your information. This, when used in conjunction with your User ID, will allow you into the part of the site that contains your personal information. In this respect, you agree to:

• securely store your username and password away from unauthorised persons;
• give Australian Moneymarket such information as requested from time to time in respect of access to the Site by you or by any other person who may have, or be permitted to have, such access; and
• immediately notify Australian Moneymarket on becoming aware of, or suspecting, unauthorised access to the Site.

You agree that Australian Moneymarket can assume that any person using any username or password allocated to you is authorised by you to access the site (regardless of that person's true identity) and to carry out their activities concerning the site. To this end, you agree to indemnify Australian Moneymarket against all losses, costs, expenses, claims, damages and liability which may be suffered by you or Australian Moneymarket as a result of any access to the site by a person under your username and/or password.

You accept that the security measures which Australian Moneymarket has implemented in respect of the site may not be adequate to protect against unauthorised dealings connected with the site, be those dealings interception, intellectual property infringement, activities aimed at corrupting information, equipment or software, or otherwise.

You agree that we may terminate any person's permission to access this site at any time, effective immediately without notice.

Unless agreed to in writing, Australian Moneymarket prohibits any activity which uses intellectual property owned by, or licensed to us or which may involve Australian Moneymarket in any liability. You agree that all intellectual property rights in and related to the site are owned by Australian Moneymarket. Other than reading the information at the site via authorised online access, you may not exercise any intellectual property right in respect of the Site.

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.