1. Introduction

Welcome to Millie. 

This website is owned and operated by Millie Finance Pty Ltd (ABN 71 679 493 808). In these Terms & Conditions ("T&Cs"), 'us', 'we' and 'our' means Millie Finance Pty Ltd.  By accessing or using our website www.getmillie.ai , you agree to comply with and be bound by these T&Cs. You should review our Privacy Policy and these T&Cs carefully. If you do not agree with any part of these T&Cs, please do not use our website. 

2. No Financial Advice

The information and services provided on this website are for educational and informational purposes only. We do not provide financial, investment, tax, legal, or other professional advice. Any information presented is general in nature and should not be considered as personal financial advice. You should seek professional advice from a qualified financial advisor before making any financial decisions.

3. Third-Party Services

We may offer third-party products and services through our website, including the Millie Gift Card, which is powered by True Rewards. These third-party services are subject to separate terms and conditions, which can be found at https://truerewards.com.au/igo-issuer-visa-gift-cards-terms/. We do not control or take responsibility for the operation, terms, or any issues arising from third-party services. Your use of such services is at your own risk, and you should review the applicable terms before making a purchase or using the product.

4. Use of Website

• You agree to use this website only for lawful purposes.

• You must not use this website in any way that may cause damage, impair its availability, or interfere with other users' access.

• We may modify, suspend, or discontinue any part of the website at any time without notice.

5. No Guarantees or Warranties

• The information on our website is not comprehensive and is intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the information on our website, to the extent permitted by law, including the Australian Consumer Law, we make no representations or warranties of any kind regarding the completeness, accuracy, reliability, or suitability of the content.

• We do not guarantee any financial or investment outcomes based on the use of our materials or services.

• We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of this website or a linked website. You must take your own precautions to ensure that whatever you select for your use from our website is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.

• We may, from time to time and without notice, change or add to the website (including these T&Cs) or the information, products or services described in it. However, we do not undertake to keep the website updated. We are not liable to you or anyone else if errors occur in the information on the website or if that information is not up-to-date.

6. Limitation of Liability

• To the maximum extent permitted by Australian law, including the Australian Consumer Law:

  • we make no warranties or representations about this website or the Content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that this website will be secure; and

  • in no event shall we be liable for any direct and indirect loss, damage or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our website and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete or not up-to-date.

• You acknowledge that any reliance on the information provided is at your own risk.

7. Third-Party Links

Our website may contain links to third-party websites. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we do not endorse or take responsibility for the content, accuracy, or security of these external sites. Accessing third-party websites is at your own risk.

8. Intellectual Property

• All content on this website, including text, graphics, logos, and other materials, is our intellectual property (“Content”) or is used with permission.

• Your use of this website and use of and access to any Content does not grant or transfer any rights, title or interest to you in relation to this website or the Content. However we do grant you a licence to access the website and view the Content on the terms and conditions set out in this Agreement and, where applicable, as expressly authorised by us and/or our third party licensors.

• You may not reproduce, distribute, or modify any Content without our prior written consent or except to the extent permitted by law.

• This website is for your personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works from, transfer, or sell any Content, software, products or services contained within this website. You may not use this website, or any of its Content, to further any commercial purpose, including any advertising or advertising revenue generation activity on your own website.

9. Privacy

We respect your privacy and handle personal information in accordance with our Privacy Policy, available at here.

10. Governing Law

These T&Cs are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts located in New South Wales.

11. Changes to Terms

We reserve the right to update these T&Cs at any time. Continued use of our website after changes are posted constitutes acceptance of the new terms.

12. Contact Us

If you have any questions about these T&Cs, please contact us at hello@getmillie.ai