Website Terms and Conditions of Use

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1. About the Website

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(a) Welcome to Credigro (Website). The Website is an introduction to Credigro Platform, a knowledgebase of sustainability content, and a sustainability maturity assessment tool for interested businesses (Services).

(b) The Website is operated by Credigro Pty Ltd (ACN 653 704 940). Access to and use of the Website, or any of its associated Products or Services, is provided by Credigro Pty Ltd. Please read these terms and conditions (Terms) carefully. By using, browsing, or reading the Website, you signify that you have read, understood, and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website or any of its Services immediately.

(c) Credigro Pty Ltd reserves the right to review and change any of the Terms by updating this page at its sole discretion. When Credigro Pty Ltd updates the Terms, it will use reasonable endeavours to provide you with notice of updates. Any changes to the Terms take immediate effect from the date of their publication. We recommend you keep a copy of the Terms for your records.

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2. Acceptance of the Terms

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You accept the Terms by remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available by Credigro Pty Ltd in the user interface.

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3. Registration to use the Services

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(a) To access the Services, you must first register for an account through the Website (Account).

(b) As part of the registration process, or your continued use of the Services, you may be required to provide personal information, including:

Email address
Preferred username
Mailing address
Telephone number
Password
Job title, company, location, sector

(c) You warrant that any information you give to Credigro Pty Ltd during registration will always be accurate, correct, and up to date.

(d) Once registered, you will be a registered member of the Website (Member) and agree to be bound by the Terms.

(e) You may not use the Services or accept the Terms if:

You are not of legal age to form a binding contract with Credigro Pty Ltd; or
You are barred from receiving the Services under the laws of Australia or other countries, including the country in which you are resident or from which you use the Services.

4. Your Obligations as a Member

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(a) As a Member, you agree to comply with the following:

You will use the Services only for purposes permitted by the Terms and any applicable law, regulation, or generally accepted practices in the relevant jurisdictions.
You are solely responsible for protecting the confidentiality of your password and email address. Use of your password by any other person may result in immediate cancellation of the Services.
Any use of your registration information by another person or third parties is strictly prohibited. You agree to immediately notify Credigro Pty Ltd of any unauthorised use of your password, email address, or any breach of security.
Access and use of the Website is limited, non-transferable, and allows for your sole use for the purposes of Credigro Pty Ltd providing the Services.
You will not use the Services or Website for any commercial endeavours except those specifically endorsed or approved by Credigro Pty Ltd management.
You will not use the Services or Website for any illegal or unauthorised use, including collecting Members’ email addresses for sending unsolicited email or unauthorised framing or linking to the Website.
Commercial advertisements, affiliate links, or other forms of solicitation may be removed from the Website without notice and may result in termination of the Services. Credigro Pty Ltd will take appropriate legal action for any illegal or unauthorised use of the Website.
Any automated use of the Website or its Services is prohibited.

5. Payment

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(a) All payments for the Services are made using Stripe. By using the Website or Services, or making any payment, you warrant that you have read, understood, and agree to be bound by Stripe’s terms and conditions, available on their website.

(b) If a request for payment of the Services Fee is returned or denied by your financial institution, or is unpaid for any reason, you are liable for any costs, including banking fees and charges, associated with the Services Fee.

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6. Refund Policy

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(a) Credigro Pty Ltd will only provide a refund of the Services Fee if they are unable to continue providing the Services or if the manager, at their absolute discretion, deems it reasonable under the circumstances (Refund).

(b) Any benefits in these Terms and Conditions may apply in addition to consumer rights under the Australian Consumer Law.

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7. Copyright and Intellectual Property

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(a) The Website, Services, and related products of Credigro Pty Ltd are subject to copyright under Australian law and international treaties. Unless otherwise indicated, all rights (including copyright) in the Services and Website content (including text, graphics, logos, button icons, video images, audio clips, code, scripts, design elements, and interactive features) are owned or controlled by Credigro Pty Ltd or its contributors.

(b) Credigro Pty Ltd grants you a worldwide, non-exclusive, royalty-free, revocable license, while you are a Member, to:

Use the Website pursuant to the Terms;
Copy and store the Website and its material in your device’s cache memory;
Print pages from the Website for your personal and non-commercial use.

Credigro Pty Ltd does not grant any other rights in relation to the Website or Services. All other rights are expressly reserved.

Business name, trading name, domain name, trademark, industrial design, patent, registered design, or copyright;
Right to use or exploit a business name, trading name, domain name, trademark, or industrial design;
Thing, system, or process that is the subject of a patent, registered design, or copyright (or an adaptation or modification thereof).

(d) Without prior written permission from Credigro Pty Ltd and any relevant rights owners, you may not broadcast, republish, upload to a third party, transmit, post, distribute, show, or play in public, adapt, or change the Services or third-party Services for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website that are freely available for reuse or in the public domain.

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8. Privacy

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Credigro Pty Ltd takes your privacy seriously. Any information provided through your use of the Website or Services is subject to Credigro Pty Ltd’s Privacy Policy, available on the Website.

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9. General Disclaimer

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(a) Nothing in the Terms limits or excludes any guarantees, warranties, representations, or conditions implied or imposed by law, including the Australian Consumer Law, which may not be limited or excluded.

(b) Subject to this clause, and to the extent permitted by law:

All terms, guarantees, warranties, representations, or conditions not expressly stated in the Terms are excluded;
Credigro Pty Ltd will not be liable for any special, indirect, or consequential loss or damage (unless reasonably foreseeable from failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the Services or these Terms, whether at common law, under contract, tort (including negligence), in equity, pursuant to statute, or otherwise.

(c) Use of the Website and Services is at your own risk. Everything is provided “as is” and “as available” without warranty or condition of any kind. Credigro Pty Ltd’s affiliates, directors, officers, employees, agents, contributors, and licensors make no express or implied representation or warranty about the Services or any products or Services referred to on the Website. This includes, but is not limited to, loss or damage due to:

Failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus, or other harmful component, loss of data, communication line failure, unlawful third-party conduct, or theft, destruction, alteration, or unauthorised access to records;
The accuracy, suitability, or currency of any information on the Website, Services, or related products (including third-party material and advertisements);
Costs incurred from using the Website, Services, or Credigro Pty Ltd products;
The Services or operation of links provided for your convenience.

10. Limitation of Liability

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(a) Credigro Pty Ltd’s total liability arising out of or in connection with the Services or these Terms, however arising, will not exceed the resupply of the Services to you.

(b) Credigro Pty Ltd, its affiliates, employees, agents, contributors, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to loss of profit, goodwill, or business reputation, or any other intangible loss.

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11. Competitors

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If you provide similar Services for commercial gain, you are a competitor of Credigro Pty Ltd. Competitors are not permitted to use or access any information or content on our Application. Breach of this provision will hold you fully responsible for any loss sustained by Credigro Pty Ltd and accountable for any profits made from such a breach.

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12. Termination of Contract

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(a) The Terms will continue to apply until terminated by you or Credigro Pty Ltd as set out below.

(b) To terminate the Terms, you may:

Provide Credigro Pty Ltd with 14 days’ notice of your intention to terminate;
Close your accounts for all services you use, where Credigro Pty Ltd has made this option available.

Your notice should be sent in writing to Credigro Pty Ltd via the ‘Contact Us’ link on our homepage.

You breach or intend to breach any provision of the Terms;
Credigro Pty Ltd is required to do so by law;
The provision of Services to you is, in Credigro Pty Ltd’s opinion, no longer commercially viable.

(d) Subject to applicable laws, Credigro Pty Ltd reserves the right to discontinue or cancel your membership at any time and may suspend or deny access to the Website or Services without notice if you breach the Terms, any applicable law, or if your conduct impacts Credigro Pty Ltd’s name, reputation, or violates the rights of another party.

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13. Indemnity

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You agree to indemnify Credigro Pty Ltd, its affiliates, employees, agents, contributors, third-party content providers, and licensors from and against:

All actions, suits, claims, demands, liabilities, costs, expenses, loss, and damage (including legal fees on a full indemnity basis) arising out of or in connection with your content;
Any direct or indirect consequences of accessing, using, or transacting on the Website or attempts to do so;
Any breach of the Terms.

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14. Dispute Resolution

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14.1. Compulsory

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If a dispute arises out of or relates to the Terms, neither party may commence Tribunal or Court proceedings unless the following clauses are complied with (except where urgent interlocutory relief is sought).

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14.2. Notice

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A party claiming a dispute (Dispute) has arisen under the Terms must give written notice to the other party detailing the nature of the dispute, desired outcome, and action required to settle the Dispute.

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14.3. Resolution

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On receipt of the notice (Notice), the parties must:

Within 28 days, endeavour in good faith to resolve the Dispute by negotiation or other mutually agreed means;
If unresolved after 28 days, agree on a mediator or request one be appointed by accredited mediation bodies in Australia;
Equally share the mediator’s fees, reasonable expenses, and venue costs, paying any amounts requested by the mediator as a precondition to mediation. Each party pays their own mediation costs;
Hold the mediation in Canberra, Australia.

14.4. Confidential

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All communications concerning negotiations under this dispute resolution clause are confidential and, to the extent possible, treated as “without prejudice” negotiations for applicable laws of evidence.

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14.5. Termination of Mediation

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If 2 months have elapsed after the start of mediation and the Dispute remains unresolved, either party may ask the mediator to terminate the mediation, and the mediator must do so.

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15. Venue and Jurisdiction

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The Services are intended for residents of Australia. Any dispute arising out of or in relation to the Website shall be resolved exclusively in the courts of the Australian Capital Territory, Australia.

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16. Governing Law

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The Terms are governed by the laws of the Australian Capital Territory, Australia. Any dispute, controversy, proceeding, or claim arising out of or relating to the Terms shall be governed, interpreted, and construed under these laws, without reference to conflict of law principles. This governing law clause’s validity is not contested. The Terms are binding on the parties and their successors and assigns.

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17. Severance

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If any part of these Terms is found void or unenforceable by a Court of competent jurisdiction, that part shall be severed, and the rest of the Terms shall remain in force.

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