1. Introduction

Welcome to the Everyday Broking Pty Ltd website (referred to as “our site,” “we,” “us,” or “our”). By accessing and using our site, you agree to comply with and be bound by the following terms and conditions. If you do not agree with these terms, please cease using our site immediately.

2. Changes to Terms

We reserve the right to update or modify these Terms & Conditions at any time. The most recent version will be posted on our site. Your continued use of our site following any changes constitutes acceptance of those changes. If you do not agree with any updated terms, you must stop using our site.

3. Purchases

3.1. Minimum Age and Legal Capacity

Purchasing products or services through our site is restricted to individuals aged 18 or older. If you are under 18, you may only make purchases through a parent or guardian. We may seek compensation from parents or guardians for losses or damages caused by transactions initiated by minors.

3.2. Accuracy of Product Description

We strive to ensure that all product descriptions and information on our site are accurate. However, we cannot guarantee that information is error-free due to potential human error or inaccuracies from third parties. We reserve the right to change product details, including pricing and specifications, without notice.

3.3. Payment

All transactions must be prepaid in Australian dollars. If you pay with a credit card, we do not store your credit card information, although it may be retained by our payment processor. For offline payments, we will contact you to arrange payment before processing your order. If payment fails, we do not guarantee stock availability.

3.4. Prices and Taxes

Prices on our site are displayed in Australian dollars and include GST where applicable. Prices for international visitors may be shown without GST and in different currencies.

3.5. Return Policy

We offer refunds or exchanges for physical products in the following cases:

• The product is faulty within 14 days of receipt.
• The product does not match its description.
• The product is not what was ordered.
• The product is damaged during shipping.

Please contact us to arrange a return. Returned products must be in their original packaging. We are not responsible for damage during return shipping. Refunds comply with the Trade Practices Act 1974 and the Sale of Goods Act 1958 (Vic).

3.6. Tax Invoice

A tax invoice will be emailed to you upon completion of your order. Ensure your email address is correct.

Security

We use SSL encryption to protect your information during transactions. However, security of electronic communications cannot be guaranteed. You provide information at your own risk, and we are not liable for unauthorized access to your personal information.

5. Limitation of Liability

We are not liable for any damages resulting from the purchase, delivery, use, or return of products beyond the value of the purchased item. This includes loss of profits or business interruptions.

6. General Terms

6.1. Jurisdiction

These terms are governed by the laws of Victoria, Australia. You consent to the exclusive jurisdiction of the courts in Victoria for any disputes arising under these terms.

6.2. Access

While we aim to keep our site operational, we do not guarantee uninterrupted access. We may suspend access for system maintenance or due to issues beyond our control. We can change or discontinue features or services without notice and may terminate your access for policy breaches or suspicious activities.

6.3. Conduct

You agree not to use our site to:

• Violate any laws.
• Impersonate others.
• Solicit personal information or property.
• Harass or intimidate others.
• Publish unauthorized or offensive material.
• Distribute harmful software or viruses.
• Advertise without our consent.

Violations may result in immediate termination of access to our site.

6.4. Privacy

Please review our Privacy Policy to understand how we handle your personal information.

6.5. Copyright

You do not acquire any proprietary rights from using our site. Material on our site is protected by copyright and other laws. You may only reproduce or distribute material for personal, non-commercial use, except where allowed by law or with our consent.

6.6. Third Parties

Our site may link to external websites or display third-party ads. We are not responsible for the content or practices of third-party sites or advertisers. Contacting third parties through our site is at your own risk.

6.7. Limitation of Liability

Your use of our site is at your own risk. We provide our site and its content on an “as is” basis and make no warranties regarding accuracy or reliability. Our liability is limited to the amount paid for products or services, excluding shipping and handling charges.

Contact Information

For any questions or concerns regarding these terms, please contact us at:

Everyday Broking Pty Ltd

Email: info@tempgroup.com.au

Thank you for visiting our site.

Internal Dispute Resolution

Dispute Process

We aim to provide the very best service for our clients. In the event that you are unhappy regarding any part of our service, our internal dispute resolution process provides that your complaint will be handled efficiently, honestly and fairly.

Should you have a complaint about our services, please contact:

Everyday Broking Pty Ltd

Email: info@tempgroup.com.au

The Complaints Officer(s) are senior personnel in our organisation have the necessary experience and authority to handle your complaint and make relevant decisions on outcomes.

The complaint need not be in writing and may be presented by any reasonable means, for example letter, telephone, post on social media site owned by our organization, email or in person. Please ensure you give us full particulars of your complaint.

If you are not satisfied with the response to your complaint, you may contact the Australian Financial Complaints Authority (AFCA) (of which Everyday Broking Pty Ltd is a member) on:

Online: www.afca.org.au

Email: info@afca.org.au

Phone: 1800 931 678

Mail: GPO Box 3 Melbourne VIC 3001

If the complaint is about privacy and you are not satisfied with the outcome of our investigations, you may ask the Office of the Australian Information Commissioner to consider the complaint. The Information Commissioner can be contacted online at www.oaic.gov.au/privacy/ or on 1300 363 992.

AWARENESS

All staff and credit representatives who deal with (or are likely to deal with) clients, are aware of the names, titles and telephone numbers of the Everyday Broking Complaints Officers.

Each staff member and credit representatives is also instructed in how to transfer a client who has a complaint to our Complaints Officer, and what client details to record if the Complaints Officers are for any reason unavailable (this information will include a minimum of the name, telephone number, and description of the product or transaction to which the complaint relates).  We do not charge any fee in respect to any complaint.

TIMELINESS

We will provide a written acknowledgement of receipt of the complaint to the client within 24 hours (1 business day) or as soon as practicable unless the complaint is otherwise resolved in the meantime.

We will ensure that a final response is given to you as soon as possible, but within twenty one (21) or thirty (30) days of receipt of the complaint.

If we are unable to deal with the complaint as it relates to a third party (for example, a lender), we may ask you to contact the relevant third party.

For certain types of complaints, involving “default notices” or urgent disputes such as “applications for hardship”, a final response must be provided within twenty one (21) days.

Final responses to complaints not involving financial hardship should be received by you within thirty (30) days.

If we cannot respond to you within relevant timeframes, we will inform you within thirty (30) days of the reasons for the delay and of your right to refer the complaint to the Australian Financial Complaints Authority (AFCA) or, in the case of privacy complaints, to the Australian Information Commissioner.

We will have provided a final response to you if we:

(a) Accept the complaint and, if appropriate, offer redress, or

(b) Offer redress without accepting the complaint; or

(c) Reject the complaint.

WRITTEN RESPONSE TO A CLIENT

We will give you a written response to your complaint and the reasons for reaching a particular decision on the complaint. We will adequately address the issues that are raised in the complaint.  Where practicable, our response will refer to applicable provisions in Legislation, Codes, Standards or Procedures.

We will inform you of the contact particulars of our EDR Scheme and, for privacy complaints, the Australian Information Commissioner if you are not satisfied with the outcome of our investigating the complaint.

REMEDIES

If we accept the complaint and are of the view that it is appropriate to offer redress to you, that redress may be non-financial as well as, or instead of, financial. If we consider that a financial remedy is appropriate then we will provide compensation for any direct loss or damage caused.

We will, when determining the appropriate remedy, take into consideration the extent of loss or damage suffered by you, relevant legal principles, EDR scheme rules, the MFAA Code of Practice and other relevant codes of conduct and concepts of fairness and relevant industry best practice.

DATA COLLECTION

We will keep data concerning the complaint in such form and manner as we think fit and will enable analysis according to:

(a) Type of complaint;

(b) Subject of complaint;

(c) Outcome of complaint;

(d) Timeliness of response.

So that we can identify any systematically recurring problems, we will classify complaints accordingly.

Subject to legal constraints including our privacy obligations, we will make available data collected in respect of the complaint upon request to the EDR Scheme, of which we are a member, and the Australian Securities and Investments Commission.

REVIEW

We will review our Internal Dispute Resolution Procedures at least every three (3) years to ensure that our complaints systems are operating effectively. This document was reviewed on 1st July 2025