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Copyright

This Internet site and any content provided therein is proprietary to Customer Owned Banking Association Limited (COBA) ABN 98 137 780 897, ACN 137 780 897. COBA owns any Copyright that exists in the content (© Customer Owned Banking Association 2009-2013). Except as expressly permitted in writing by COBA or as authorised by the Copyright Act 1968, no part of this document or its content may be reproduced, copied, stored in any retrieval system,  modified,  published or processed whether electronically or otherwise, including audio and video, or utilised for any purpose but for personal use.

Legal Liability

COBA provides general information in this site (including booklets, statistics and articles) for public access. The information is not specifically written to any one purpose or group of people and must not be relied upon without seeking independent legal, accounting or business advice. Whilst every care has been taken in the preparation of materials and information posted on this site, COBA does not warrant expressly or impliedly the accuracy, currency, completeness or relevance  of any information contained herein. COBA disclaims any liability whatsoever, and howsoever incurred, of the reader as a consequence of his or her reliance on information contained in this site.

Linked sites are not controlled by COBA and COBAs is not responsible for the content of any linked sites.  If you access a site using a link from the COBA webpage, you will leave the COBA website and will be subject to the terms and conditions of the site you visit.

The information on this website is subject to change without notice and COBA may revise this disclaimer at any time.

Privacy

COBA may collect personal information such as name, address, email and contact details from you as detailed in this site. COBA may also collect information on the IP address, date and timing of visits to the website for statistical purposes.  COBA is committed to safeguarding your personal information in accordance with the Privacy Act 1988 and the National Privacy Principles. You authorise COBA to use your personal information as detailed in this site and COBA undertakes to only use that information for the given agreed purpose. For full details of COBA's privacy policy please click here.

Your consent

By accessing the site, you, the reader, agree to the terms stated in this legal notice.