1. General
1.1. Cigno (‘We’, ‘Us’, ‘Our’) is a trading name of FTA Data Solutions Pty Ltd, ABN 95 670 814 221.
1.2. Cigno is an Authorised Credit Representative (CRN: 552387) of Finance & Loans Direct Pty Ltd (Australian Credit Licence Number: 390166).
1.3. By choosing to use Our services or by positively indicating your agreement on the Cigno Website you hereby acknowledge and agree to be bound by these Terms and Conditions.

2. Privacy Policy
2.1. Privacy is very important to Us, which is why We have created a separate Privacy Policy to explain in detail how We collect, manage, process, secure and store personal information. Our Privacy Policy can be accessed here.

3. Cigno Services
3.1. By way of a consumer initiated inquiry on the Cigno website, Cigno collects the information of consumers who are interested in the products or services offered by licenced credit providers or authorised credit representatives and collates the consumer information into a data package.
3.2. Cigno is not a credit provider or a credit assistance provider and does not carry out any of the following activities:
a. suggest that a consumer apply for, increase or decrease a credit limit of, or remain in any particular credit contract or consumer lease;
b. assist a consumer to apply for or increase or decrease a credit limit of any particular credit contract or consumer lease;
c. make any credit or credit related decisions; or
d. provide any other credit advice or assistance.
3.3. Cigno may sell consumer information data packages to third party partners for a fee.
3.4. Once a consumer information data package is sold to a third party partner, Cigno has no further interaction with the consumer relating to that particular inquiry.

4. Collection, Use and Disclosure of Information – Cigno Services
4.1. To be able to provide you with the Cigno Services, you authorise and consent to Us collecting and tracking your personal information in accordance with Our Privacy Policy.
4.2. You consent and agree to Us disclosing your personal information:
a. To 3rd party partners for the following purpose of the 3rd party partners offering you a financial or other products that may suit your needs; and
b. To 3rd party partners who may refer your details to other providers on their platform for the purposes of finding a provider who may have a financial or other product to suit your needs.
4.3. You consent and agree to 3rd parties who have been disclosed your personal information in accordance with sub clause 4.2. above who to correspond with you directly including for marketing purposes.

5. Use of Our Service
5.1. By choosing to use our service you:
a. confirm that you are at least 18 years of age;
b. have the capacity to enter into a contract;
c. warrant that any information that you provide to us is true and correct; and
d. warrant that you are using our service for yourself and not on behalf of any other person.

6. Remuneration
6.1. We provide the Cigno Services to consumers for no charge.
6.2. Cigno may receive a fee from 3rd party partners for the provision of consumer information data packages.

7. No Warranty
7.1. The completion of Our inquiry form does not guarantee approval or the provision of any services from a 3rd party. Any application that you may choose to make to a 3rd party provider is subject to that provider’s eligibility criteria and terms and conditions.
7.2. Cigno does not endorse or recommend any particular provider, product or service that you may be connected with or offered.
7.3. The providers available to you by your use of the Cigno site may not cover all options available to you.
7.4. We do not guarantee, represent or warrant that your use the Cigno website or the Cigno Services will be uninterrupted, timely, secure or error-free.

8. Direct Marketing – General
8.1. In addition to clause 4 above, you consent to Us and any 3rd party who We have disclosed your personal information to in accordance with these Terms and Conditions to contact you indefinitely (unless you opt-out in accordance with sub-clause 8.2 below) by any means including but limited to by email, SMS, phone call, push notification, mail for the purposes of marketing.
8.2. You may opt-out at any time by using the “unsubscribe” function available in the marketing messages that are sent to you or by contacting the sender of the marketing message directly.
8.3. This clause 8 survives the termination of these Terms and Conditions.

9. Direct Marketing – Rewards and Daily Offers
9.1. Without limiting the generality of clause 8 above, if you indicate by way of checking the relevant checkbox in Our inquiry form that you would like to find out about rewards and daily offers, you consent to Us providing your personal details to 3rd parties who offer reward and daily offer platforms for the purposes of marketing those platforms to you.
9.2. You consent to those 3rd parties contacting you indefinitely (unless you opt-out in accordance with sub-clause 9.3 below) by any means including but limited to by email, SMS, phone call, push notification, mail for the purposes of marketing daily reward and daily offer platforms to you.
9.3. You may opt-out at any time by using the “unsubscribe” function available in the marketing messages that are sent to you or by contacting the sender of the marketing message directly.
9.4. This clause 9 survives the termination of these Terms and Conditions.

10. Liability
10.1. You agree that under no circumstances shall We be liable for any direct or indirect, special, incidental or consequential damages that may arise from your use of Cigno, or inability to use, Our website.
10.2. All statements on this website are general in nature only and do not constitute finance, credit or legal advice.

11. Indemnity
11.1. You agree to indemnify Us against any loss or claim We may suffer due to your breach of these Terms and Conditions, your negligence in relation to these Terms and Conditions, or otherwise due to your acts or omissions, with Our recourse to such indemnity limited to the amount which We would otherwise be able to recover at general law for your breach of contract or negligence in respect of these Terms and Conditions, plus legal costs on a full indemnity basis.

12. Variation
12.1. You can review the most current version of these Terms and Conditions at any time on the Cigno website. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms and Conditions by posting updates and changes to the Cigno website. It is your responsibility to check the Cigno website periodically for changes. Your continued use of Our services and access to the Cigno website following the posting of any changes to these Terms and Conditions constitutes acceptance of those changes.

13. Jurisdiction
13.1. These Terms and Conditions are governed by the laws of Queensland. You agree that you irrevocably submit to the non-exclusive jurisdiction of the courts of Queensland.

14. Severability
14.1. In the event that any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

15. Contact Us
15.1. If you have any dispute or query about these Terms and Conditions you can contact us by email to: enquiries@cignoau.com.au