Anthony Moir
Anthony Moir
Steven Fischer
Steven Fischer

This website, and the material and information on this website (together the Website) is owned and operated by [Pepper Money Ltd ACN 094 317 665 [NB. change of name to Pepper Money Limited as at 30 April ] Australian Financial Services Licence number 286655 and Australian Credit Licence number 286655 ("Pepper”, "we" or "us").

The terms of use of the Website are outlined below. We may revise them at any time by updating this posting.

Website access

The Website is for distribution only to persons who are not a retail client (as defined by section 761G of the Corporations Act 2001 of Australia (“Corporations Act”)) and who are sophisticated investors or professional investors and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction which an investor may be located. If you access this Website, you are confirming you are entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions. By proceeding to access the pages on this Website, you agree and confirm that:

Your access to the Website does not violate applicable laws, including laws of your home jurisdiction;
You are not a “retail client” within the meaning of the Corporations Act and agree not to disclose the information to a person who would be a “retail client”;
[You are either (a) not a “U.S. Person as that term is defined in Regulation S under the US Securities Act of 1933 (the “US Securities Act”), are not in the United States, and are not acting for the account or benefit of a U.S. person (and you will not make a copy of any prospectus or other material contained on this Website available to, or distribute a copy of such prospectus or other material to, any such U.S. person) or (b) a “qualified institutional buyer” as that term is defined in Rule 144A under the US Securities Act.]
If you access this Website, you are confirming that you are entitled to do so.

Material on the Website

The material and information on, and accessed through, this Website (the “Information") is provided to Pepper's debt investors for information purposes only and is subject to change. It does not constitute, and is not deemed to constitute, a prospectus, offering memorandum, offer, invitation, inducement, recommendation or solicitation for the subscription for or purchase of any securities of Pepper. Further, the Information is not intended to constitute investment advice, and should not be relied on in connection with any investment decision. Investors should consider seeking independent professional advice that takes into account their specific investment objectives, financial situation and investment needs.

Nothing on this website constitutes an invitation to enter into any contract or other arrangement (whether legally binding or not).

Past performance is not a reliable indication of future performance. This Website may contain forward-looking statements, forecasts, estimates, assumptions and projections. Pepper does not warrant that such forward statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from them. Any documents provided on this Website are only current at the date of those documents, or as stated in those documents. Pepper accepts no obligation to correct or update the information or opinions on this Website. The Information may be based on assumptions or market conditions and may change without notice.

Neither Pepper, nor any of its directors, employees, agents or any other person, makes any representation or warranty (express or implied) as to the accuracy, completeness, adequacy, appropriateness, timeliness or reliability of the contents of this Website, or the assumptions, opinions, inputs, calculations or conclusions on this Website. Pepper accepts no responsibility for errors or misstatements, negligent or otherwise and under no circumstances will Pepper be liable for any loss or damage whatsoever caused by a user's reliance on information obtained from this Website. To the fullest extent permissible by law, Pepper and its respective related entities specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental or consequential losses, damages, costs or expenses of any nature which may be suffered by any person relying on the Information (including errors, defects, misrepresentations or omissions) or otherwise arising out of or in any way connected with the access to or use of this Website.

We do not warrant that the Website will always be accessible, and we do not warrant that the Website is free from anything that may damage any device used to access the Website.

Copyright and trademarks

Unless expressly stated otherwise, we claim copyright ownership of all materials on this Website. Subject to any confidentiality restrictions described above, you may download, display print, and reproduce this material in unaltered form for your personal, non-commercial use. We may revoke this permission at any time. Apart from this permission and uses permitted under the Copyright Act 1968 (Cth) as amended, all other rights are reserved. We own the Pepper trademark and reserve all rights in relation to it.

Links to or from other sites

You must not create or maintain any link from another website to the Website unless it is with our permission in writing. The Website may contain links to other websites operated by entities which do not belong to Pepper. These links have been provided solely for you to obtain further information for reference purposes. Pepper does not sponsor, approve, endorse or have any control over the information on these sites and therefore gives no warranty and makes no representations regarding the accuracy or suitability of the information described on them. These third parties will have their own terms of use and you are advised to make your own enquiries in relation to third parties described or linked on this site.

We do not authorise the infringement of intellectual property rights contained in material in other websites by linking new websites to those other websites.

Governing law and jurisdiction

These terms of use are governed by the laws of New South Wales, Australia, and you agree to submit to the non-exclusive jurisdiction of its courts in relation to any matters concerning these terms of use.

These terms of use apply to each debt investor page on this Website.

If you have read these terms of use and agree to follow and be bound by them, select "Accept" to proceed.