Budget Policy does not represent any governmental or associated organizations.

Using the information and materials (referred to as "Budget Policy content") uploaded to Budget Policy’s website, users can generate leads for quotes and applications for the new issue or renewal of insurance or other benefit plan contracts of insurance providers marketed on Budget Policy online quote tool. When a source is not linked, Budget Policy provides an option to buy particular insurance plans straight from a third-party insurance provider via the website. It is your responsibility to gain access to the Website, and doing so may incur fees from other parties (such Internet service providers or airtime charges). Furthermore, you are in charge of and required to supply any equipment needed to access the Website. You acknowledge that you are interested in using and purchasing the Service(s) that you have chosen by using this website and providing your personal information. By signing this agreement, you consent to Budget Policy contacting you by phone or email to learn more about your interest in the chosen product(s) and service(s) (such as reminders, renewals, etc.) and to satisfy your request. Additionally, you acknowledge that Budget Policy retains the right to share your information with its partners and affiliates, and that you could receive calls, emails, or SMS requests for information from these parties. You consent to receiving offers and/or promotional information from Budget Policy via SMS or email.

These terms and conditions, or “Terms of Use” govern your use of our service. The personalized service that Budget Policy offers for finding and using Budget Policy content, including all features and functionalities, the website and user interfaces, as well as all content and software related to our service, is referred to as "Budget Policy service," "our service," or "the service" in these Terms of Use. These Terms of Use constitute an electronic contract that is legally enforceable between Budgetpolicy.com, which includes its owner and assignees ("Our", "We", "Us", or "Budget Policy"), and you, including the firm you represent and/or the company you have registered (collectively, "You").

ACCEPTANCE OF TERMS AND USE

The Budget Policy website, www.budgetpolicy.com, and all related websites that Budget Policy, its subsidiaries, and affiliates link to www.budgetpolicy.com, including Budget Policy sites worldwide (collectively, the "Site") are covered by these Terms of Use. YOU AGREE TO THESE TERMS OF USE BY USING THE SITE; PLEASE DO NOT USE THE SITE IF YOU DO NOT AGREE.

Budget Policy retains the right to alter, amend, add, or remove any part of these Terms of Use at any time, at its sole discretion. It is your duty to review these Terms of Use on a regular basis for updates. You will be deemed to have accepted and agreed to the changes if you continue to use the Site after they are posted. Budget Policy gives you a limited, personal, non-exclusive, and non-transferable right to access and use the Site provided you abide by these Terms of Use.

PRIVACY

The rules of Budget Policy are incorporated into these rules of usage by this reference, and it governs usage of this site. Click this link to discover Budget Policy.

Furthermore, you understand and accept that Internet transmissions are never totally private or secure by utilizing the Site. Even in the event that a specific transmission (like credit card information) is marked as encrypted, you acknowledge that any message or information you send to the Site could be viewed or intercepted by third parties.

ELIGIBILITY AND LISCENCE

Underage users and users who have been suspended or removed from Budget Policy system for any reason are not eligible to utilize the Service. You may not use the Service or the Website if you are ineligible.

You are granted a restricted license by Budget Policy to access and use the Website and Services for personal purposes. Downloading or copying any kind of information for the benefit of another person, vendor, or other third party is not permitted under this license. Nor is it permitted to cache content, create unauthorized hypertext links to the website, or frame content that is made available through the website; upload, post, or transmit any content that you do not have the right to post (such as another person's intellectual property); nor is it permitted to upload, post, or transmit any content that contains viruses or other computer code, files, or programs that are intended to disrupt, destroy, or restrict the functionality of any computer hardware or software, or telecommunications equipment; any use of data mining, robots, or other such data collection and extraction technologies; or any activity that places an unfair or disproportionately heavy demand on Budget Policy’s infrastructure, at Budget Policy’s sole discretion.

Any security measures put in place by Budget Policy to block or restrict access to the Website may not be circumvented. Should you make any unapproved use, Budget Policy will revoke the authorization or license that it has given you. By using this website, you consent to refrain from:

Access, monitor, or copy any content or information of this Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission; use this Website or its contents for any commercial purpose; conduct any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; breach any robot exclusion header restrictions on this website, as well as any other safeguards put in place to prevent or restrict access to it; engage in any activity that puts an unreasonable or disproportionately heavy burden on our infrastructure; or "frame," "mirror," or otherwise incorporate any portion of this website into another website without getting our prior written consent.

CONTENT & INTELLECTUAL PROPERTY RIGHTS

Budget Policy does not represent any governmental or associated organizations.

Using the information and materials (referred to as "Budget Policy content") uploaded to Budget Policy’s website, users can generate leads for quotes and applications for the new issue or renewal of insurance or other benefit plan contracts of insurance providers marketed on Budget Policy online quote tool. When a source is not linked, Budget Policy provides an option to buy particular insurance plans straight from a third-party insurance provider via the website. It is your responsibility to gain access to the Website, and doing so may incur fees from other parties (such Internet service providers or airtime charges). Furthermore, you are in charge of and required to supply any equipment needed to access the Website. You acknowledge that you are interested in using and purchasing the Service(s) that you have chosen by using this website and providing your personal information. By signing this agreement, you consent to Budget Policy contacting you by phone or email to learn more about your interest in the chosen product(s) and service(s) (such as reminders, renewals, etc.) and to satisfy your request. Additionally, you acknowledge that Budget Policy retains the right to share your information with its partners and affiliates, and that you could receive calls, emails, or SMS requests for information from these parties. You consent to receiving offers and/or promotional information from Budget Policy via SMS or email.

These terms and conditions, or “Terms of Use” govern your use of our service. The personalized service that Budget Policy offers for finding and using Budget Policy content, including all features and functionalities, the website and user interfaces, as well as all content and software related to our service, is referred to as "Budget Policy service," "our service," or "the service" in these Terms of Use. These Terms of Use constitute an electronic contract that is legally enforceable between Budgetpolicy.com, which includes its owner and assignees ("Our", "We", "Us", or "Budget Policy"), and you, including the firm you represent and/or the company you have registered (collectively, "You").

ACCEPTANCE OF TERMS AND USE

The Budget Policy website, www.budgetpolicy.com, and all related websites that Budget Policy, its subsidiaries, and affiliates link to www.budgetpolicy.com, including Budget Policy sites worldwide (collectively, the "Site") are covered by these Terms of Use. YOU AGREE TO THESE TERMS OF USE BY USING THE SITE; PLEASE DO NOT USE THE SITE IF YOU DO NOT AGREE.

Budget Policy retains the right to alter, amend, add, or remove any part of these Terms of Use at any time, at its sole discretion. It is your duty to review these Terms of Use on a regular basis for updates. You will be deemed to have accepted and agreed to the changes if you continue to use the Site after they are posted. Budget Policy gives you a limited, personal, non-exclusive, and non-transferable right to access and use the Site provided you abide by these Terms of Use.

PRIVACY

The rules of Budget Policy are incorporated into these rules of usage by this reference, and it governs usage of this site. Click this link to discover Budget Policy. Furthermore, you understand and accept that Internet transmissions are never totally private or secure by utilizing the Site. Even in the event that a specific transmission (like credit card information) is marked as encrypted, you acknowledge that any message or information you send to the Site could be viewed or intercepted by third parties.

ELIGIBILITY AND LISCENCE

Underage users and users who have been suspended or removed from Budget Policy system for any reason are not eligible to utilize the Service. You may not use the Service or the Website if you are ineligible.

You are granted a restricted license by Budget Policy to access and use the Website and Services for personal purposes. Downloading or copying any kind of information for the benefit of another person, vendor, or other third party is not permitted under this license. Nor is it permitted to cache content, create unauthorized hypertext links to the website, or frame content that is made available through the website; upload, post, or transmit any content that you do not have the right to post (such as another person's intellectual property); nor is it permitted to upload, post, or transmit any content that contains viruses or other computer code, files, or programs that are intended to disrupt, destroy, or restrict the functionality of any computer hardware or software, or telecommunications equipment; any use of data mining, robots, or other such data collection and extraction technologies; or any activity that places an unfair or disproportionately heavy demand on Budget Policy’s infrastructure, at Budget Policy’s sole discretion.

Any security measures put in place by Budget Policy to block or restrict access to the Website may not be circumvented. Should you make any unapproved use, Budget Policy will revoke the authorization or license that it has given you. By using this website, you consent to refrain from:

Access, monitor, or copy any content or information of this Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission; use this Website or its contents for any commercial purpose; conduct any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; breach any robot exclusion header restrictions on this website, as well as any other safeguards put in place to prevent or restrict access to it; engage in any activity that puts an unreasonable or disproportionately heavy burden on our infrastructure; or "frame," "mirror," or otherwise incorporate any portion of this website into another website without getting our prior written consent.

CONTENT & INTELLECTUAL PROPERTY RIGHTS

a.) Software, technology, designs, materials, communications, text, graphics, links, electronic art, animations, illustrations, artwork, audio and video clips, images, reviews, concepts, computer code, trademarks, logos, and other data or copyrightable materials or content, including their arrangement and selection, are all considered "Content." "Company Content" refers to material that Budget Policy gives you in connection with the Services, such as the software, goods, and website, among others. Content is protected, without limitation, by Australian and foreign copyright and other intellectual property laws. It remains the proprietary property of the person or business providing it (or their associated and/or third-party providers and suppliers).

b.) The content on the site is owned, controlled, or licensed by Budget Policy. Laws pertaining to trade dress, copyright, patents, trademarks, and unfair competition, among other intellectual property rights, shield it.

c.) Budget Policy does not own anything you upload on the Website and make available. Such items may be included in completely or in part, or in a modified form, in the Service at Budget Policy’s sole discretion. You grant Budget Policy a perpetual, irrevocable, non-terminable, worldwide, royalty-free, and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (including the use of your name in connection with such submitted content) with respect to such materials you submit or make available for inclusion on the Website. By submitting any items, you thereby guarantee, covenant, and represent that they do not contain any content (text, photos, music, or videos, for example) for which you do not possess the whole right to provide a license. Regarding any content you upload or submit, we neither guarantee nor bear any liability. Your comments are not required to be posted, and we have complete control over which comments are displayed on the website. Please refrain from sending us any submitted content if you disagree with these terms and conditions. You acknowledge that the stuff you upload is entirely your responsibility.

d.) No part of the Site and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way (including "mirroring") to any other computer, server, Web site, or other medium for publication or distribution or for any commercial enterprise, unless specifically permitted by Budget Policy in writing in advance of these Terms of Use.

e.) You may be granted a limited, non-exclusive, and non-transferable license by Budget Policy to access and use the Company Content that is made accessible on Budget Policy subject to these Terms and any additional requirements. Without our prior authorization in writing, all other uses are strictly forbidden. If we haven't given you express permission to do so, you aren't allowed to copy, distribute, assign, sell, broadcast, rent, share, lend, edit, change, adapt, license, create derivative works from, reproduce, disseminate, transmit, assign, sell, rent, share, or use any other company content. Company Content is not sold to you; rather, it is licensed. Despite the foregoing, we maintain the right to withdraw the permission we have given you to view and use the company content as mentioned above.

f.) Information about Budget Policy’s services (such as data sheets, knowledge base articles, and similar materials) that it has made purposefully available for download from the Site may be used, subject to the following restrictions: (1) you must not remove any proprietary notice language from all copies of these documents; (2) you may only use these documents for non-commercial, personal informational purposes; (3) you must not alter any of these documents; and (4) you must not make any additional representations or warranties regarding these documents.

g.) Budget Policy does not guarantee the dependability, accuracy, comprehensiveness, or sufficiency of any of the website content, despite our best efforts to create and maintain the information on the site. You understand and agree that there may be technical, typographical, and informational errors on the website because of evolving immigration laws. You acknowledge that the information on www.budgetpolicy.com may not always be current or correct when you see it and is subject to change at any moment without notice.

h.) To ensure that the content or information you need to rely on is accurate, it is your responsibility to immediately contact us. Budget Policy disclaims all liability for any direct or indirect loss resulting from your use of the www.budgetpolicy.com website and its content.

i.) Budget Policy does not provide continuous access to the www.budgetpolicy.com website, nor does it guarantee that the website is virus-free or devoid of other elements that could harm your computer or any data on it when you visit it.

j.) Widget and Widget Content: The Budget Policy widget, also referred to as the "Widget," is an application that you may install on your website to let website users access and see content on the Budget Policy website. You accept and understand that this widget may include advertising for Budget Policy or third-party products, search boxes that lead to content on our website, and Budget Policy logos (collectively, the "Widget Content"). The Widget will contain any software files, graphics that it incorporates or generates, data, and embedded HTML code that it comes with, as well as any updates, improvements, or changes made to such code. All intellectual property rights and ownership in the Widget, Widget Content, and Budget Policy logos remain with Budget Policy. You accept and recognize that Budget Policy may track, extract, assemble, aggregate, and analyze any data or information resulting from use of a Widget using data capture, syndication analysis, and other methods of a similar nature. Your only option is to cease using the widget and remove it from your website if you disagree with any of these modifications.

k.) Third Party Content: You might be able to access links, either directly or indirectly, to third-party platforms through the Budget Policy Services. Budget Policy endorses none of these Third-Party Platforms, and Budget Policy has no control over them. Budget Policy therefore disclaims all duty with regard to Third Party Platforms. To safeguard your privacy and personal information on Third-Party Platforms, you must take the necessary precautions and decide if using the platform is suitable.

Account Management, Registration and Payments

Enrollment

You must give all necessary information, including your legal names, company name, email address, and personal details, in order to register with us, access our website, subscribe to one of our plans, or enter into a client referral agreement.

Referral Agreement

A Referral Agreement negotiated expressly for this purpose will regulate the referral arrangement between Budget Policy and referral affiliates, in addition to the terms and conditions in this agreement governing usage of Budget Policy’s website. The effectiveness of the referral affiliate in supplying Budget Policy with customer leads for the purpose of obtaining quotes and applications for the new issue or renewal of insurance or other benefit plan contracts of insurance providers that Budget Policy markets through the online quote tool will determine the terms of this referral arrangement.

The Referral Agreement, which is negotiated especially for this purpose, will regulate all payment-related terms as well as any additional rules governing the referral agreement between Budget Policy and the referral affiliate.

Cancellation & Termination

Budget Policy in its sole discretion, has the right to suspend or terminate your account and refuse any and all current or future use of the service, or any other service, for any reason, at any time. Such termination of the service will result in the deactivation or deletion of your account and prevention of access to your account, and the forfeiture and relinquishment of all content in your account.

Binding Contract, Warranty & Disclaimer, Terms for the Purchase of Insurance Products, Specific Conditions of Sale, General Refund Rules for OSHC purchases, Customer Due Diligence and Other Terms for Use of Our Services

a.) Binding Contract: In exchange for using the Website, you warrant that you are of legal age to enter into binding contracts, that you are not a person prohibited from receiving services under the laws of Australia or any other applicable jurisdiction, and that you will only use the Website to make lawful purchases on your behalf or on behalf of another person for whom you are legally authorized to act (and that you will notify said other person of these Terms and/or Privacy Policy, along with all applicable rules and restrictions). You also agree to provide the Website with true, accurate, current, and complete information about yourself. If any information provided is found to be untrue, inaccurate, not current, or incomplete, or if Budget Policy suspects that such information is false, inaccurate, outdated, or incomplete, Budget Policy may choose to suspend or terminate services and deny any current or future use of the Website (or any part of it). Budget Policy also reserves the right to refuse service, close accounts, or modify or delete content at its own discretion. Additionally, we have the discretion to block access to the Website and our Services for any individual at any time and for any reason, including violations of our Terms or Privacy Policy. By making a purchase with any service provider, you are agreeing to adhere to their terms and conditions, which may include timely payment and compliance with any rules or restrictions they have in place for product or service use. Failure to comply with these requirements may result in the cancellation of your purchase, denial of access to services, forfeiture of any funds paid, or additional costs incurred by us being debited from your account.

b.) Warranty & Disclaimer: This website contains content, products, and services that may contain inaccuracies or errors, including pricing errors. Budget Policy does not guarantee the accuracy of these inaccuracies and disclaims liability for any such errors. The inclusion of products or services on the website does not constitute endorsement or recommendation. The information, software, products, and services are provided "as is" without warranty, and Budget Policy disclaims warranties regarding the website, services, and emails. The service providers on the website are independent affiliates, and Budget Policy is not liable for their actions, errors, or negligence. Budget Policy and its affiliates are not responsible for delays, cancellations, strikes, or other causes beyond their control. They are not liable for damages arising from accessing, viewing, or using the website, regardless of negligence, contract, tort, or strict liability.
This document outlines disclaimers and limitations regarding online availability, impressions, and click-through of www.budgetpolicy.com and its content. It also states that Budget Policy must approve advertising sponsors before posting on the site, and Budget Policy reserves the right to accept or reject any advertising for any reason.

c.) Terms for the Purchase of Insurance Products: You declare your statements and information as true and complete, authorized to propose on behalf of others. Your information forms the basis of your insurance policy, subject to the insurer's approved underwriting policy. Budget Policy is not a registered health care service provider and cannot be held liable for claims, processing, or refunds. You assume all risks and liabilities, and Budget Policy may receive commissions from third-party insurance providers for its website services.

d.) Specific conditions of Sale: The website offers a comparative analysis of many products and services, together with their presumed benefits and features of both OSHC and OVHC insurance policies. We disclaim all representations and guarantees on the correctness, integrity, and viability of the information supplied by the website, as well as any warranties regarding the information hosted on the website in its entirety and any particular content. You accept responsibility for the OSHC and OVHC insurance you select, and you release Budget Policy from any liability or unfavorable effects arising from your purchase.

e.) Refund for OSHC Purchases: This notice outlines eligibility for refunds from third-party insurance providers. Students can apply for a pro-rata refund of premium for unexpired policy if they paid their premium without coming to Australia, paid for extended stay but not granted by DIAC, must cease studies, have permanent residence in Australia, were not resident for 3 months or more but held a valid Student Visa, or can provide proof of OSHC. Refunds are calculated monthly or daily pro-rata, with a minimum refund of one month.

f.) Customer Due Diligence: Budget Policy may conduct due diligence measures for financial transactions on its website, seeking necessary information for verification and identification. It may establish the identity of new customers and the purpose of the insurance relationship. Payments for insurance policies must be made through a bank account or joint account, and the user must be the authorized holder of the credit card used. If payments are made through a third-party account, Budget Policy may take enhanced due diligence measures.

g.) Other Terms for Use of Our Services: Budget Policy services require internet access and a Budget Policy-ready device. Users can request subscriptions or memberships, but Budget Policy reserves the right to reject requests. Data migration may occur during subscriptions, and access may be restricted during scheduled downtimes or inaccessibility caused by external factors. Downtimes are usually scheduled for weekends and off-peak hours. Users acknowledge that Budget Policy may access and process their data during data migration.

Communications

Budget Policy services require internet access and a Budget Policy -ready device. Users can request subscriptions or memberships, but Budget Policy reserves the right to reject requests. Data migration may occur during subscriptions, and access may be restricted during scheduled downtimes or inaccessibility caused by external factors. Downtimes are usually scheduled for weekends and off-peak hours. Users acknowledge that Budget Policy may access and process their data during data migration.

Your Rights

You have a regulated, non-exclusive, and revocable right to access and use Budget Policy for internal commercial purposes, but are responsible for third-party activities. You can subscribe to multiple supplementary services.

Your Use of the Site

Budget Policy reserves the right to bar any activity that attempts to access, acquire, copy, or monitor any portion of the Site or Content, reproduce or circumvent its navigational structure, or obtain materials, documents, or information through means not purposely made available through the Site. Users are also prohibited from attempting to gain unauthorized access to any portion or feature of the Site or any other systems or networks connected to the Site or any Budget Policy server, or to any of the services offered on or through the Site.

Users are also prohibited from probe, scan, test the vulnerability of the Site or any network connected to the Site, nor breach security or authentication measures on the Site or any network connected to the Site. They are also prohibited from forging headers or manipulating identifiers to disguise the origin of any message or transmittal sent to Budget Policy on or through the Site or any service offered on or through the Site.

Users are also prohibited from altering, deleting, concealing, or modifying any copyright, trademark, service mark, or other notices contained on the Services, and from reproducing, modifying, creating derivative works from, or using the Services without the express, prior written consent of Budget Policy or its owner if Budget Policy is not the owner.

In addition, users are not licensed to use the Widget for any other purpose, and they are responsible for the activities of any third parties using the Service through their account. Users are also prohibited from incorporating the Widget into any hardware or software device that they are not authorized to use or modify, and from obtaining or attempting to obtain unauthorized access to Budget Policy network(s).

Budget Policy grants users a non-exclusive, non-transferable, non-sub licensable, revocable license to use and display the Budget Policy Widget for internal commercial purposes on a website for which they have proper authorization.

You are responsible for obtaining and maintaining necessary computer software and hardware for accessing Widget and Budget Policy services, including fees and charges. Budget Policy may offer upgrades or updates at its discretion, but this does not constitute an obligation. Budget Policy may change, suspend, or discontinue aspects of the Widget without notice, impose limits, or restrict access without notice. Budget Policy is not liable for damages or viruses resulting from Widget use or downloading materials.

Other Terms and Conditions

This document outlines the terms and conditions for Budget Policy’s services and features, including promotions. Users agree to abide by these terms, ensuring they are of sufficient legal age to use or participate in the service or feature. Budget Policy may verify a user's Visa status via the VEVO system to ensure correct information for refunds. Budget Policy may offer specific benefits, such as discounts or extensions, at its discretion, but these are not transferable and have an expiry date. Budget Policy’s obligations are governed by the agreements provided, and the site does not alter these agreements. Budget Policy cannot be held liable for account suspension or termination if it is in accordance with these Terms of Use. If a user violates these Terms, they will be notified and given seven days to rectify or cease such activities. If the breach cannot be rectified, the account may be terminated.

Accounts, Passwords & Security

Certain features on the Site may require an account, including setting up an Budget Policy ID and password. You are responsible for maintaining confidentiality and reporting any unauthorized use or security breaches. You may be held liable for losses incurred by Budget Policy or other users. You cannot use someone else's Budget Policy ID, password, or account without their consent, and Budget Policy cannot be held liable for any loss or damage.

Links to the Other Site and to the Budget Policy Site

This site may contain links to third-party websites, but these are not under Budget Policy control and Budget Policy is not responsible for the content or materials on these sites. Visitors should make their own judgment on their interaction with these sites. Budget Policy is not responsible for the availability of external websites or resources and is not liable for any damage or loss caused by using or relying on such content, goods, or services.

Disclaimers

BUDGET POLICY does not guarantee the accuracy, uninterruptedness, or correctness of its site or content, and its content is provided "as-is" and "as-available." It cannot guarantee the absence of viruses, contamination, or destructive features in downloaded files. BUDGET POLICY disclaims all warranties, including those of accuracy, non-infringement, merchantability, and fitness for a particular purpose. It also disclaims liability for third-party acts related to user use of the site and services. The sole remedy for dissatisfaction is to stop using the site or its content. BUDGET POLICY reserves the right to modify, suspend, or terminate the site's operation, change its policies or terms, or interrupt its operation for maintenance or error correction.

Limitation of Liability

Budget Policy is not liable for any indirect, consequential, exemplary, incidental, or punitive damages, including lost profits, unless prohibited by law. Budget Policy and its officers, directors, shareholders, employees, agents, subsidiaries, and affiliates are not responsible for any damages arising from the services or materials available on the website. If Budget Policy or its affiliates are found liable, the liability will not exceed the service fees paid or the commission received in connection with the transaction. The limitation of liability reflects the allocation of risk between the parties and will apply even if a limited remedy fails of its essential purpose.

Indemnity

You agree to indemnify Budget Policy, its officers, directors, shareholders, employees, agents, subsidiaries, and affiliates from any claims, losses, or expenses made against them due to your use of the Site. Budget Policy reserves the right to assume defenses, and you must cooperate.

Violation of Terms of Use

Budget Policy may disclose personal information about users to investigate complaints or protect Budget Policy rights or property. This disclosure is necessary to comply with applicable laws, regulations, legal processes, or governmental requests. Budget Policy may also exchange information with other companies for fraud protection purposes. Users agree that Budget Policy may preserve any communication or transmittals with the site and disclose such data if required by law or deemed necessary to comply with legal processes, enforce Terms of Use, respond to claims, or protect Budget Policy, its employees, users, and the public. Budget Policy may terminate users' access to the site without prior notice if they violate these Terms of Use or other agreements. If legal action is taken, Budget Policy will recover all reasonable attorney's fees and costs. Users agree that Budget Policy is not liable for termination of access due to violations of these Terms of Use.

Governing Law, Dispute Resolution

The terms of use and relationship between you and Budget Policy are governed by the laws of Australia and the State of Victoria, without regard to conflicts of laws. Any claims must be brought within one year after the cause of action arises, and no recovery can be sought for damages other than out-of-pocket expenses. If a dispute arises, parties must attempt to resolve it promptly and in good faith. If mediation is unsuccessful, parties may pursue any available remedy under applicable law. Budget Policy does not guarantee action against all breaches of these Terms. These Terms constitute the entire agreement between you and Budget Policy and govern your use of the Website. No third-party beneficiaries are allowed. The laws of Victoria, Australia govern these Terms.

Void Where Prohibited

Budget Policy operates the www.budgetpolicy.com Site from Australia, with other sites potentially operating from various locations. The Site is accessible worldwide, but not all features, products, or services are available in all locations or for use outside Australia. Budget Policy reserves the right to limit provision and offers. Accessing from outside Australia is at user's own initiative.

Miscellaneous

This document outlines the terms and conditions of use and export of content and services offered on the Budget Policy website. It states that users cannot violate any laws or regulations, including Australian export laws. If any provisions are deemed unenforceable, they will be limited or replaced with a valid one. The terms constitute the entire agreement between users and Budget Policy, and any previous agreements are cancelled. Budget Policy will not accept counter-offers, and failure to enforce strict performance is not a waiver. The terms do not confer rights or remedies on third parties.

Feedback and Information

Feedback on this site is non-confidential and can be used freely by Budget Policy. The information is subject to change without notice.