Factor User Terms
These terms and conditions (“Terms”, “Agreement”) are an agreement between Factor Pty Limited (“Factor”, “us”, “we” or “our”) and you, the User of the Factor's website, application or other properties off platform (“User”, “you” or “your”).
These User Terms set out how you use, and we use, Factor, in its varying online forms.
This Agreement sets forth the general terms and conditions of you, as the User of the Factor's website, application or other properties off platform (“User”, “you” or “your”) or through mobile applications, webpages, programming interfaces and subdomains (collectively, “the Platform”).

The material, including without limitation, information, data text editorial content, design elements, look and fee, formatting, graphics, images, photographs, videos, music, sounds and other contained on the Platform or made otherwise by Factor will be referred to as “the Content”. Any material that you contribute, provide, post or make available using the Platform is referred to as “Your Content”.
When reading these User Terms, here are some important terms and understandings for you to be aware of when referring to ‘Content’.
Table of Contents:
  1. Accept These Terms
  2. Parties of These Terms
  3. Accounts and membership
  4. Mobile Services
  5. Termination
  6. Your Content
  7. Our Content
  8. Backup
  9. Links to other websites
  10. Disclaimer of warranty
  11. Liability and Indemnity
  12. Contacting You
  13. Privacy
  14. Applicable Law
  15. General Provisions
  16. Variations