Website Terms of Use

General Information

The information on this website is provided for general informational and administrative purposes only. It is not intended to constitute legal, financial, accounting or other professional advice. The content of this website does not create any contractual, fiduciary or other relationship between ICAG and any person who accesses it.

No Guarantee of Outcome

Nothing on this website constitutes a representation, warranty or guarantee that any particular outcome will be achieved in connection with an account, recovery matter, legal proceeding or other process. Account outcomes depend on the specific circumstances of each matter, the information available, creditor instructions and applicable legal requirements. ICAG does not guarantee recovery, judgment, enforcement success, credit-reporting eligibility or any other result.

Website Account Information

Information about accounts displayed or referenced on this website is provided for administrative purposes only. It is based on information available to ICAG at the time and may not reflect subsequent payments, corrections or other changes. If you believe account information is incorrect or incomplete, please contact ICAG or use the response form available on this website.

Accuracy and Availability

ICAG takes reasonable care to ensure that the information on this website is accurate and up to date. However, ICAG does not warrant that the website or its content is free from errors, omissions or inaccuracies. ICAG may update, modify or remove content at any time without notice. ICAG does not guarantee that the website will be available at all times or free from technical interruptions.

Responsible Website Use

You must not use this website in a way that:

• Is unlawful, fraudulent or misleading
• Interferes with the operation of the website or its security
• Involves the transmission of malicious code, viruses or harmful data
• Involves automated scraping, crawling or data harvesting without ICAG's written consent
• Impersonates another person or entity
• Violates the rights of any third party

ICAG reserves the right to restrict or terminate access to this website for any person who breaches these Terms or uses the website in a manner that ICAG considers inappropriate.

Documents and Information Submitted

By submitting information or documents through this website, you confirm that:

• The information is true and complete to the best of your knowledge
• You have the authority to submit the information and any documents provided
• You have not included information that is unrelated to the account or purpose of the form
• You understand that the information may be used by ICAG and shared with the relevant creditor in accordance with the ICAG Privacy Policy

Submitting information through this website does not guarantee any particular outcome and does not constitute acceptance of any position, proposal or arrangement unless confirmed in writing by ICAG.

External Links

This website may contain links to external websites operated by third parties. These links are provided for convenience only. ICAG does not control, endorse or take responsibility for the content, privacy practices or availability of external websites. Accessing external websites is at your own risk.

Intellectual Property

All content on this website, including text, graphics, logos, images and software, is the property of ICAG or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, transmit or use any content from this website for commercial purposes without ICAG's prior written consent. You may print or download content for your own personal, non-commercial use.

Liability

To the maximum extent permitted by law, ICAG excludes all liability for any loss or damage arising from your use of, or inability to use, this website or its content, including:

• Direct, indirect, incidental or consequential loss
• Loss of data, revenue or business opportunity
• Reliance on information contained on this website
• Interruption to or unavailability of the website

Nothing in these Terms limits any rights you may have under the Australian Consumer Law or other applicable legislation that cannot be excluded.

Privacy

ICAG handles personal information collected through this website in accordance with the ICAG Privacy Policy, which is available on this website. By using this website, you consent to the collection and use of your personal information as described in the Privacy Policy.

Governing Law

These Terms are governed by the laws of Queensland, Australia. Any dispute arising from these Terms or your use of this website is subject to the non-exclusive jurisdiction of the courts of Queensland.

Separate Client Agreements

These Terms apply to the use of this website only. They do not govern the relationship between ICAG and its creditor clients, which is subject to separate written engagement agreements. Nothing in these Terms modifies, limits or supersedes any written agreement between ICAG and a creditor client.