Terms of Use

Terms of Use

It is important you are aware both of our obligations and yours when using this website. You will need to accept these conditions before applying to invest and subsequently access the full investing and reporting functionality of this website.

The CCG (Website) is an online secure service provided to you as outlined below. The website is owned and maintained by CCG. These Terms and Conditions together with the CCG Select Mortgage Trust Product Disclosure Statement (PDS) and Supplementary Product Disclosure Statements (SPDS) and the Privacy Policy (which can be viewed by following the link at the bottom of each page on the Website) govern your use of the Website. By accessing the website you accept these Terms and Conditions.

Use of Website

The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of the Credit Connect Group to any registration or licensing requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by CCG for personal use and for information purposes only.

The services and products on this website are intended for use by residents of Australia only, and are not aimed at or intended for use by residents of any other jurisdiction. This website is designed to be accessed through its home pages and any other pages we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may fail to see important information that is relevant to information on this website. You will be referred on certain site pages to  read “Legal Information”. This will contain important details and/or relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

Any references to investments in any funds and/or trusts on the Website do not represent deposits with, or other liabilities of, CCG or any other company in the Credit Connect Group, and are subject to investment risk, including possible delays in repayment or loss of income and capital invested. Unless the Account Terms and Conditions expressly state otherwise, no member of the Credit Connect Group stands behind the repayment of capital, or guarantees the investment performance of the funds and trusts referred to on the Website.

You acknowledge that we may establish general practices and limits concerning your use of the Website, including without limitation the maximum number of days that content, including uploaded content will be retained by the Website, the maximum amount and size of the content that can be uploaded, the maximum disk space that will be allocated on our servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Website in a given period of time. You acknowledge that we reserve the right to modify these general practices and limits from time to time.

Note these titles in red are all clickable links to the relevant information, which appears below but will need to be clicked on to access.

1. Definitions

In these Terms and Conditions, the following terms have the following meanings: 

Account means each account relating to one or more investments in Cash Account and Investment Units in the CCG Select Mortgage Trust in which you have invested and which you access through the Website;

Account Terms and Conditions means the terms and conditions of an Account to which you have signed up including any applicable terms and conditions contained therein governing how you access and use Website services in respect of that Account; Annexure means an Annexure to these Terms and Conditions setting out the terms relevant to a particular part of the Website; each of which forms part of and are subject to these Terms and Conditions;

CCG Investments Website means www.ccg.com.au

Credit Connect means CCG Pty Limited ACN 121 286 315 and or any of its related bodies corporate as the context requires;

CCG Website means the public website(s) operated by CCG and which is accessible from www.ccg.com.au

Emessages means the automated electronic messages which we will send to you from time to time; Investor Transaction and Reporting means the main page of your CCG Account on the Website which displays a summary of your Account and provides access to other services, including transaction services which are available as part of the Website; 

Materials means any proprietary and confidential information including software contained on the Website;

CCG Account means your on-line user account which allows you to operate your Investor Transaction and Reporting functions;

Password means a password which is issued by us or selected by you to be used in conjunction with your User Name to secure access to the Website and includes any other form of security measure we prescribe from time to time to be used for securing communications between parties, authenticating a person or restricting access to a service;

Personal Secure Site means the secure online services relating to your Account which we make accessible to you when you use your User Name to login in from the CCG Website;

User Name means a user name which is issued to you to be used to log in to your Credit Connect Account on the Website;

We and us mean CCG and our has a corresponding meaning; and

You means the user of the CCG Website, who is issued with a User Name and your has a corresponding meaning.

3. Personal Secure Site technical access

You are responsible for obtaining access to the Website and that access may involve third party fees (such as internet service provider charges) for which you are liable. In addition, you must provide and are responsible for all equipment necessary to access the Website. You acknowledge that we reserve the right to log you out of a Website session at any time (for example where once logged on, you are inactive for a reasonable period of time).

4. User Name, Password & security

To login and access the Website, you will need to use both your User Name and Password. You are responsible for maintaining the confidentiality of your User Name and Password including changing the temporary Password we provide at the outset, and at regular intervals to ensure ongoing security. You acknowledge you are fully responsible for all activities that occur using your User Name and Password. You agree that you will not provide anyone with access to, or allow anyone else to use, your User Name and Password. Specifically you agree to:

Immediately notify us of any unauthorised use (or suspected unauthorised use) of your User Name or Password or any other breach of security (or suspected breach of security) and 

Ensure that you log out from the Website at the end of each session.

5. Independent Advice

In preparing the information, including but not limited to Emessages and marketing communications and market information contained on the Website, we advise we have not taken into account your objectives, financial situation or needs. Before investing on the basis of the information contained on the Website, you should consider (with or without the assistance of an adviser or your accountant) whether the information available through the Website is appropriate to you in light of your particular objectives, financial situation and needs. You should obtain and read carefully the Product Disclosure  Statement and any other relevant offer documents (including Supplementary Product Disclosure Statements where applicable) relating to a product referred to on the Website before making any decision about whether to acquire the product.

6. Marketing and other Communications

You acknowledge that the Website will include certain communications from us, such as service announcements, administrative messages and marketing material and that these communications are considered part of the Website and you are not able to opt out of receiving them, and you also consent to us sending you such communications by any electronic means including posting notices on the Website, or by e-mail and/or SMS if you have previously provided us with these contact details.

7. News, Insights and Market Information

This clause relates to the news, insights and market information (Information) provided on the Website. You acknowledge that the Information (in particular market information) may be intentionally delayed. Some of the Information will be sourced from third parties, and will not have been produced, checked for accuracy, or otherwise reviewed by us or any other company in the Credit Connect Group. The Information may constitute the intellectual property of and be proprietary to us and/or third parties and you agree not to reproduce copy or otherwise use the Information other than for your personal use (as permitted by these Terms and Conditions) without the express written permission of us or the relevant provider of that Information.

8. Third Party Accounts

We may provide access to some of your Third Party Accounts through the Website for your convenience. This may involve providing you with a link to the third parties’ websites. Where you leave the CCG Website via such a link, you do so at your own risk. The information available through the link to the third party website is not produced, checked for accuracy, or otherwise reviewed by us or any other company in the Credit Connect Group and the Credit Connect Group has no control over the information on third party sites or the products or services on them. Inclusion of a link to a third party site should not be construed as that party’s endorsement of the Website; nor should it be construed as 

Credit Connect Group’s endorsement of the third party’s site. By linking to sites operated by third parties, the Credit Connect Group is not authorising the reproduction of any material on such sites, as such material may be the subject of intellectual property rights.

9. Reporting errors and breaches

You agree to report to us, as soon as practicable, any errors you find on the Website and any breaches of these Terms and Conditions that you identify or otherwise become aware of through your use of the Website (including any content that could reasonably be regarded as likely to be defamatory, misleading or deceptive, or which you know would amount to illegal or unauthorised activities). We will remove any offending material as soon as practicably possible following its report and subsequent investigation.

10. Modifications to the Website

You agree that we may, acting reasonably modify, remove, disable, suspend or temporarily discontinue or replace, the Website (or any part of the Website, including any information, data or service) with or without notice. Where reasonably possible, we will give you notice of such modifications or discontinuance, but this may not be possible in all circumstances.

11. Warranties

You agree that:

  • Use of the Website is at your own risk.
  • The Website is provided on an “as is” and “as available” basis;
  • We, our licensors and other contributors to the Website make no warranty that:
  • The Website will meet your requirements,
  • The Website will be uninterrupted, timely, or error-free,
  • The results that may be obtained from the use of the Website will be accurate or reliable,
  • The quality of any products, services, information, or other material obtained by you through the
  • Website will meet your expectations,
  • Any errors in Materials consisting of software will be corrected and
  • We will retain any data or information or recover any loss of data or information you post on the Website;
  • any material downloaded, or otherwise obtained through the use of the Website (including any
  • Materials), is done at your own discretion and risk;
  • No advice or information, whether oral or written, obtained by you from us or through or from the
  • Website creates any warranty, not expressly stated in these Terms and Conditions or imposed by statute; and due to the global nature of the internet, users outside of Australia and its States and Territories
  • (Jurisdiction) may access the Website. The Website is not intended for use by a person outside of the
  • Jurisdiction. All marketing materials for products and services appearing on the Website are solely intended for residents of the Jurisdiction. As such, we are not subject to regulatory controls that may
  • exist outside of the Jurisdiction.