This website, and the material and information on this website (together the Website) is owned and operated by Pepper Money Limited ABN 55 094 317 665 Australian Financial Services Licence number 286655 and Australian Credit Licence number 286655 ("Pepper”, "we" or "us").
“You” and “your” are references to you as the user of the Website.
The Website is for distribution only to persons who are not a retail client (as defined by section 761G of the Corporations Act 2001 of Australia (“Corporations Act”)) and who are sophisticated investors or professional investors and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction which an investor may be located. If you access this Website, you are confirming you are entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions. By proceeding to access the pages on this Website, you agree and confirm that:
• Your access to the Website does not violate applicable laws, including laws of your home jurisdiction;
• You are not a “retail client” within the meaning of the Corporations Act and agree not to disclose the information to a person who would be a “retail client”;
• You are either (a) not a “U.S. person” as that term is defined in Regulation S under the US Securities Act of 1933 (the “US Securities Act”), are not in the United States, and are not acting for the account or benefit of a U.S. person (and you will not make a copy of any prospectus or other material contained on this Website available to, or distribute a copy of such prospectus or other material to, any such U.S. person) or (b) a “qualified institutional buyer” as that term is defined in Rule 144A under the US Securities Act.;
• If you access this Website, you are confirming that you are entitled to do so.
Material on the Website
The material and information on, and accessed through, this Website (the “Information") is provided to Pepper's debt investors for information purposes only and is subject to change. It does not constitute, and is not deemed to constitute, a prospectus, offering memorandum, offer, invitation, inducement, recommendation or solicitation for the subscription for or purchase of any securities of Pepper. Further, the Information is not intended to constitute investment advice, and should not be relied on in connection with any investment decision. Investors should consider seeking independent professional advice that takes into account their specific investment objectives, financial situation and investment needs.
Nothing on this website constitutes an invitation to enter into any contract or other arrangement with you or any third party (whether legally binding or not).
Past performance is not a reliable indication of future performance. This Website may contain forward-looking statements, forecasts, estimates, assumptions and projections. Pepper does not warrant that such forward statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from them. Any documents provided on this Website are only current at the date of those documents, or as stated in those documents. Pepper accepts no obligation to correct or update the information or opinions on this Website. The Information may be based on assumptions or market conditions and may change without notice.
Neither Pepper, nor any of its directors, employees, agents or any other person, makes any representation or warranty (express or implied) as to the accuracy, completeness, adequacy, appropriateness, timeliness or reliability of the contents of this Website, or the assumptions, opinions, inputs, calculations or conclusions on this Website. Pepper accepts no responsibility for errors or misstatements, negligent or otherwise and under no circumstances will Pepper be liable for any loss or damage whatsoever caused by a user's reliance on information obtained from this Website. To the fullest extent permissible by law, Pepper and its respective related entities specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental or consequential losses, damages, costs or expenses of any nature which may be suffered by any person relying on the Information (including errors, defects, misrepresentations or omissions) or otherwise arising out of or in any way connected with the access to or use of this Website.
We do not warrant that the Website will always be accessible, and we do not warrant that the Website is free from anything that may damage any device used to access the Website.
Copyright and trademarks
Unless expressly stated otherwise, we claim copyright ownership or license to all materials on this Website (including, but not limited to text, graphics, logos, icons, photos, sound and audiovisual recordings and software). Subject to any confidentiality restrictions described above, you may download, display print, and reproduce this material in unaltered form for your personal, non-commercial use. We may revoke this permission at any time. Apart from this permission and uses permitted under the Copyright Act 1968 (Cth) as amended, all other rights are reserved. We own the Pepper trademark and reserve all rights in relation to it. Your access to and use of our Website does not license you to use any Pepper trademarks, brands and logos.
Links to or from other sites
We do not authorise the infringement of intellectual property rights contained in material in other websites by linking new websites to those other websites.
You acknowledge that we may handle personal information in accordance with our respective privacy policies which may be accessed as set out below:
Termination of Access
Governing law and jurisdiction