Website terms and conditions

  1. Good Shepherd Microfinance ABN 36 151 124 408 (GSM) is the issuer of Speckle loans and provides access to this site free of charge to provide information about Speckle loans, its capabilities and the services it provides customers. The sole authorised use of the site is to obtain information about and apply for services supplied by GSM and no other use is permitted.
  2. Copyright of all material (including any compilation) on this site is owned by, or licenced to, GSM and National Australia Bank Limited ABN: 12 004 044 937. No materials from this site may be altered, reproduced or further distributed without the prior written consent of GSM and National Australia Bank.
  3. All trading names, trademarks, trade styles, service marks and logos on this site are owned by Good Shepherd Microfinance and National Australia Bank. Proper use is limited to use in connection with the product and services of the owner and its subsidiaries and no other use is permitted without the owner's prior written consent.
  4. GSM may collect and store personally identifiable information about persons who visit this site and voluntarily submit information in the course of contacting GSM. We may also collect and store aggregate or anonymous information about user contact with and use of the site (including through the use of cookies). We may use the information in accordance with the terms of our Privacy Policy, such as to contact you about our products and services from time to time. You may ask us to delete any information about you and cease further contact at any time by sending us a request marked "Privacy-Urgent" to: Further information about how GSM handles personally identifiable information is set out it its Privacy Policy:
  5. By using this site, you agree to provide true, accurate, current and complete information about yourself and any accounts that you hold or maintain elsewhere and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
  6. GSM uses Proviso, Inc (Service Provider) as its third party service provider to enable it to securely access your bank statements for verification purposes, using your transaction history from a minimum of the last 90 days. Your internet banking log-in details are needed to be able to do this.
  7. The Service Provider is a third party beneficiary under these terms and conditions with all the rights, benefits and protections as if it were a party to these terms and conditions. By using this site you authorise GSM and the Service Provider to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes connected with your use of this site, you hereby appoint GSM and the Service Provider as your agent to access third party internet sites, servers or documents, retrieve information and use your information for the purposes of the services supplied by GSM. You acknowledge and agree that when GSM or the Service Provider accesses and retrieves information from third party sites, GSM and the Service Provider are acting as your agent and not as agent for, or on behalf of, the third party.
  8. Your bank’s terms and conditions may prevent you from disclosing your internet banking login details to anyone and doing so may be a breach of those terms and conditions. You may wish to contact your bank to find out more about this. To the extent permitted by law, GSM disclaims all responsibility for any breach by you of your bank’s terms and conditions by disclosing such information and GSM shall not be liable for any loss, including direct, indirect, consequential or other loss or damage (however caused, including due to negligence) sustained by any person or entity arising from such a breach
  9. GSM’s policy is not to accept or consider any unsolicited ideas or materials of any kind. DO NOT submit any such materials at any time. If you do so, we reserve the right, where it is reasonable for us to do so, to consider all materials submitted as non-confidential and free of any claims of proprietary or personal rights. Such material and all rights will be our property, free and clear of any claims by you or others, and we will be able to use them for any purpose, including advertising and promotion, without compensation or any other obligations to anyone, including you. To the extent that you have any moral rights in copyright material submitted to us, you further consent to GSM, and each of its nominees, doing or omitting to do, anything which but for this consent would breach your moral rights. GSM’s liability for any loss sustained by any person or entity arising from such breach shall be limited in accordance with paragraph 13.
  10. GSM assumes no liability for the security of this site or your communications with the site. It is strictly prohibited to link third party websites with this site without GSM’s prior written consent. We may permit some links from third party websites to this site, or otherwise include links to third party websites on this site, but GSM takes no responsibility for such third party websites to which it is linked or for material posted to this site by anyone other than GSM. GSM’s liability for any loss sustained by any person or entity arising from such breach shall be limited in accordance with paragraph 13.
  11. It is strictly prohibited to use or contact this site to disrupt or damage the site, its contents or its security measures or to harass or disparage GSM, its respective products, services or personnel. No unsolicited email (spam) may be directed to or through this site.
  12. If you believe that any material on this site, whether posted by us or by third parties, violates the copyrights or other rights of third parties, please contact us with complete details at so that we can make an informed decision about possible deletion.
  13. To the maximum extent permitted by law, GSM will not be liable to any person or entity for any direct, indirect, consequential or other loss or damage (however caused, including due to negligence) which may arise out of, or in connection with, the use of this website, or reliance of any information contained on or linked to this website. GSM does not provide any warranty in relation to your use of this website or as to the currency of information contained on this website. If any law implies a condition or warranty into these website terms and conditions which cannot lawfully be excluded then, to the maximum extent permitted by law, our liability for any breach of such implied term will be limited to the supply of the relevant service again or the payment of the cost of having that service re-supplied.
  14. This site is offered in the English language and is intended for use in Australia only. If you require information in other languages about Speckle loans or GSM, please contact us at
  15. GSM is based in Melbourne. This site as well as these terms and conditions are subject to the laws of Victoria, Australia, regardless of the location of the user, and any claims of any kind related to this site and these terms and conditions must be filed in the courts located in Victoria, Australia.
  16. Use of this site is subject to these terms and conditions which you as a user accept by contacting and using this site.
  17. GSM reserves the right to revise and update these terms and conditions at any time, effective on the date of posting to the site of the revised or updated terms and conditions.