Foresters is a leading Australian Community Development Finance institution providing financial support and services to individuals, social enterprises and not for profits who are underserved by mainstream financial institutions. Established in 1999, but with its origins dating back to the 1850’s, Foresters has been providing both lending and business development support to a range of Australian social enterprises for a number of years. Foresters has been a pioneer in the field of Social Investment in Australia through its Community Investment Fund, the establishment of Social Investment Australia Ltd and its leading research and publications.
When entering and using the Foresters Community Finance Ltd (“Foresters”) Website you are also entering and using Foresters’ program and subsidiary company websites including but not limited to:
- Social Investment Australia Ltd Australian Financial Services Licence No. 339844
- Foresters Members Ltd
1.1. You agree that your access to, and use of, this website is subject to these terms and all applicable laws, and is at your own risk. This website and its contents are provided to you on an ‘as is’ basis, the website may contain errors, faults and inaccuracies and may not be complete and current.
1.2. Foresters makes no representations or warranties of any kind, expressed or implied as to the operation of this website or the information, content, materials or products included on this website, except as otherwise provided under applicable laws.
1.3. Neither Foresters, nor its affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in anyway related to, the use of this website and any other websites linked to this website. This limitation applies to the direct, indirect, consequential, special, and punitive or other damages you or others may suffer, as well as, but not limited to, damages for loss of profits, business interruptions or the loss of data or information.
2.1. Foresters cannot guarantee that any file or program available for download and/or execution from or via this website is free from viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. You assume all risk of use of all programs and files on this website, and you release Foresters entirely of all responsibility for any consequences of its use.
3.1. This website may contain links to other websites. Foresters is not responsible for the availability of, or any content or material contained in, or obtained through, any such websites. Any link to another website, and reference to third –party information, products or services linked to this website, is not, and should not be construed as, an express or implied endorsement by Foresters. Any questions for comments relating to such other websites should be addressed to the operator or operators of those websites.
4.1. Membership refunds
4.1.1. Membership fees will not be refunded by Foresters Members except under the following circumstances:
- Where an application for membership is declined by Foresters Members.
- Where exceptional circumstances prevent a member from continuing their membership (written applications will be assessed on a case-by-case basis).
4.2. Event refunds
4.2.1. Our event refund policy comprises three clauses:
- Foresters Events programs are intended to run as advertised. Foresters reserves the right to cancel activities due to insufficient numbers (registrants will be notified if this occurs and payment refunded in full).
- Registrations for Foresters Events and activities must be accompanied by full payment, where payment is required. Registrants will be liable for payment in the event of non-attendance unless cancellation or a request for transfer is made in accordance with our refund policy.
- Cancellations or transfers must be advised in writing and received by Foresters at least 48 hours prior to the event. Refunds will not be granted if a registrant fails to attend an event or cancels/transfers within 48 hours of the activity. Substitutions may be made at any time subject to the applicable registration date where an additional payment may apply.
5. All fees and payments are in Australian Dollars
6.1. We use industry standard efforts to safeguard the confidentiality of your personally identifiable information. However, please keep in mind that ‘perfect security’ does not exist on the internet. Your information will be secured in both hardcopy and electronic format. Access to it will be controlled by passwords and locked storage cabinets to limit unauthorised use.
6.2. We can not ensure the security of information you may make public in an on-line chat room or similar forum. Accordingly, please exercise caution when disclosing information in this manner.
6.3. If at any time we identify unauthorised access to your information, we will immediately communicate with you to allow appropriate steps to be taken to protect your information.
7.1. As with many websites, the Foresters site uses standard technology called ‘cookies’ which are small data files that are transferred to your computer when you allow your browser to accept cookies. Cookies automatically identify your web browser to the site whenever you visit the site, and make it easier for you by saving your passwords, purchases and preferences. By tracking how and when you use the site, cookies help us determine which areas are populated and which are not. Many improvements and updates to the site are based on data obtained from cookies. Accepting cookies allows you, among other things, to personalise your experience on the site. Cookies may also allow the site to present to you advertising which may be of interest to you.
8. IP Addresses and Click-stream Data
8.1. We collect IP address and or/or click stream data for purposes of system administration and to report aggregate usage for our internal use. An IP address is a number that is automatically assigned to your computer whenever you access the Internet. Our computers identify your number by its IP address. When you request web pages from the site, our computers log your IP address.
8.2. Click stream data is information collected by our computers when you request web pages from our site. Click stream data may include such information as the page served, the time, the source of the request, the type of browser making the request, the preceding page view and other such non-personal information. When analysed, this data helps us analyse how visitors arrive at the site, what type of content is most popular, what type of visitors in aggregate are interested in particular kinds of content.
9. Chat Rooms, Forums and Message Boards
9.1. The site may make chat rooms, forums and message boards available to its users. You are not required to provide any personal information when using these areas but you may choose to do so. If you post personal information online, it will be publicly available and you may receive unsolicited messages from other parties.
9.2. Foresters cannot ensure the security of any information you choose to make public in a chat room, forum or message board. Also, we cannot ensure that parties who have access to such publicly available information will respect your privacy. Please exercise caution when deciding to disclose personal information in these areas.
10. Links to Other Websites
10.1. You should be aware that when you are on the site you could be directed to other sites beyond our control. For example if you ‘click’ onto a linked site it will take you off the Foresters site to a different website. These other websites may send their own cookies to you, independently collect data or solicit personal information and may or may not have their own published privacy policies.
11. A Note for Parents Concerning Privacy
11.1. We do not encourage children to participate in providing us with any personally identifiable information. We ask that children (18 years of age and under) do not submit any personal information to us. If you are a minor under the age of 18 years, please use our services only under the approval and supervision of your parents or legal guardian(s).
11.2. We support the guidelines and regulatory requirements provided in the Children’s Online Privacy Protection Act (COPPA): http://business.ftc.gov/privacy-and-security/children's-online-privacy.
12. Limitation of Liability
12.1. By providing us with any personal information you expressly and unconditionally release and hold harmless Foresters Community Finance Limited and its subsidiaries, affiliates, directors, officers, employees and agents from any and all liability for any injuries, loss or damage of nay kind arising from or in connection with the use and/or misuse of your collected personal information.
12.2. While Foresters takes every effort to ensure the proper and appropriate use of data by third party companies (eg banks, credit unions) promotional partners or vendors, Foresters is not liable for any injuries, loss or damage of any kind arising from, or in connection with, the use and/or misuse of your collected personal information by Foresters or the above mentioned non-Foresters entities.