Terms and Conditions
Welcome to Pay In Time. By accessing or using our website and services, you agree to be bound by these Terms and Conditions (the “Terms”). Please read them carefully.
1. Acceptance of Terms
By using our website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our website.
2. Services Offered
Pay In Time is an agricultural finance broker connecting Australian farmers with funding for livestock, equipment, property, lines of credit, and seasonal finance. We act as an intermediary between farmers and lenders and do not provide financial advice. Our services are subject to the terms and conditions of the respective lenders.
3. Eligibility
To use our services, you must be an Australian farmer or agricultural business and meet the eligibility criteria set by our lending partners. We reserve the right to refuse service to anyone for any reason at any time.
4. User Accounts
Some features of our website may require you to create an account. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password.
5. Information Accuracy
You agree to provide accurate, current, and complete information when using our website and services. We are not responsible for any errors or omissions in the information you provide.
6. Intellectual Property
The content, layout, design, data, databases, and graphics on this website are protected by intellectual property laws and are owned by Pay In Time or its licensors. You may not copy, reproduce, modify, distribute, or display any portion of our website without our prior written consent.
7. Limitation of Liability
To the fullest extent permitted by law, Pay In Time shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our website or services, including but not limited to damages for loss of profits, data, or other intangible losses.
8. Disclaimer of Warranties
Our website and services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the operation of our website or the information, content, materials, or products included on our website.
9. Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience only, and we do not endorse or assume any responsibility for the content or practices of these websites.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Australia. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Australia.
11. Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our website after any such changes constitutes your acceptance of the new Terms.
12. Contact Information
If you have any questions about these Terms, please contact us at: [Insert Contact Information]
13. Indemnification
You agree to indemnify, defend, and hold harmless Pay In Time, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the website using your account.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.
15. Termination
We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
16. Entire Agreement
These Terms constitute the entire agreement between you and Pay In Time relating to your use of our website and services, and supersede all prior agreements and understandings.
17. Waiver
No waiver by Pay In Time of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Pay In Time to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
18. Assignment
You may not assign your rights or obligations under these Terms without the prior written consent of Pay In Time. Pay In Time may assign its rights and obligations under these Terms without your consent.
19. Force Majeure
Pay In Time shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond Pay In Time’s reasonable control, including, without limitation, mechanical, electronic, or communications failure or degradation.
20. Feedback
We welcome feedback, comments, and suggestions for improvements to the website and services. You can submit feedback by emailing us at [Insert Email Address].