Website conditions of use

About this website

This is a website operated by The Banking and Financial Services Law Association (ABN 61 006 354 089) (BFSLA) under the domain name “” (BFSLA website). The BFSLA website is operated on behalf of BFSLA.

Your use of the information, graphics and materials on the BFSLA website (Material on this website) is governed by these terms of use and the privacy statement.

Links to other websites

The BFSLA website may contain links to other websites operated by third parties (Third Party websites). BFSLA does not endorse, or approve of the operators of Third Party websites, or the information, graphics and material on those Third Party websites (Third Party Material).

Subject to any applicable law which cannot be excluded, BFSLA makes no warranties or representations:

  • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party websites; or
  • that Third Party Material does not infringe the intellectual property rights of any person. BFSLA is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on the BFSLA website, material at a Third Party website may be displayed in your browser framed by Material on this website. This material is also Third Party Material for the purpose of these terms of use.

All offers to sell and statements relating to goods and services available on Third Party websites are the responsibility of and given by the Third Party website operator. If such an offer or statement is made on the BFSLA website, it is made by BFSLA on behalf of the operator. BFSLA expressly disclaims acting in any other respect on behalf of Third Party website operators.

Restricted content and papers from past conferences

Some Material on this website is restricted and may only be accessed by current members of BFSLA. You acknowledge that if you cease to be a current member or your membership fee is overdue by 90 days or more, you are not entitled to access any restricted material and agree that you will not attempt to do so.

Papers from past conferences are only available to current members of BFSLA. BFSLA does not take any steps to ensure that papers are free from error, either at the date they were prepared, the date they were uploaded onto our website, or the date you access them. BFSLA does not warrant that the information contained in papers from past conferences is accurate or current.

Event registration, programme changes and cancellation policy

You may register to attend a BFSLA event up to and including the date specified as the closing date for registrations. BFSLA may accept registrations after the closing date in its sole discretion. BFSLA may decline a registration if the venue capacity is reached prior to the closing date for registrations or otherwise in its sole discretion.

Details regarding BFSLA events are correct as at the time they are advertised on the BFSLA website. BFSLA reserves the right to cancel or amend the details of BFSLA events at any time.

If you are no longer able to attend a BFSLA event, a substitute delegate is welcome at no extra cost.  Alternatively:

  • if there is a charge for attending the event – we will provide a full refund less a $50 service charge for cancellations received in writing (letter or email) at least 10 working days prior to the event. Regrettably, no refund can be made for cancellations received less than 10 working days prior to the event.
  • If there is no charge for attending the event – there is no charge for cancellations received in writing (letter or email) at least 10 working days prior to the event.

Online payments and payments generally

Payments in Australian dollars can be made online by MasterCard, Visa or American Express. Payments due in New Zealand dollars cannot be made online. Online payments will be processed via a secure payment gateway provided by Commonwealth Bank of Australia. BFSLA is not responsible for Commonwealth Bank of Australia’s compliance with the Payment Card Industry Data Security Standard.

All credit card payments, whether made online or otherwise, will incur the following surcharges: 1.5% for Visa and MasterCard and 3% for American Express. Supplies made in Australia will be charged in AUD and processed in Australia. Supplies made in New Zealand will be charged in NZD and processed in New Zealand. Membership and sponsorship fees are to be paid in currency of the place where the member or sponsor is usually resident; if the member or sponsor is usually resident outside of Australia or New Zealand, fees will be payable in AUD.

Please note that your financial institution may charge fees for foreign currency payments.


While BFSLA has taken reasonable steps to ensure that information is free from error (other than papers from past conferences), BFSLA does not warrant the accuracy, adequacy or completeness of Material on the BFSLA website. All information is subject to change without notice. BFSLA does not warrant that the BFSLA website or Third Party websites will be free from viruses, or that access to the BFSLA website or Third Party websites will be uninterrupted. Nothing on the BFSLA website constitutes legal advice. BFSLA does not warrant that Material on this website will not infringe any person’s intellectual property rights.

Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded, BFSLA is not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to your use of (or inability to use) the BFSLA website, Material on the BFSLA website or Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of BFSLA for a breach of a consumer guarantee or a condition or warranty implied by law and which cannot be excluded, is limited to the extent possible, at BFSLA’s option, to:

  • the supply of the goods or services again;
  • the repair of the goods; or
  • the payment of the cost of having the goods or services supplied again or repaired.


These terms of use (and the agreement constituted by your use of the Material on this website) and your access to the BFSLA website may be terminated at any time by BFSLA without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by BFSLA will survive termination, however, you will no longer be authorised to access the BFSLA website.


The BFSLA website, these terms of use and any disputes arising out of them are governed by the laws in force in Victoria, Australia.

Copyright and trademark

Except where necessary for viewing the Material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these terms of use, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of BFSLA.

“BFSLA”, and all associated trademarks, are trademarks of The Banking and Financial Services Law Association Limited.

IP address

BFSLA collects your IP address for your interaction with various parts of the BFSLA website. Your IP address is the identifier for your computer when you are using the internet.

Your IP address will not otherwise be used by us or released to any third party except in the case of inappropriate behaviour or for monitoring and addressing actual or potential security and fraud issues, such as unauthorised access to your or our computer systems or Material on this website.

We do not automatically log personal data/information, nor do we link information automatically logged by other means with personal data about specific individuals.

When you look at our site, our Internet Service Provider (ISP) and Google Analytics makes a record of your visit and logs the following information for statistical purposes:

  • your server address
  • the date and time of your visit to the site
  • the pages accessed and documents you downloaded
  • the site that directed or referred you to us, eg. a search engine
  • the type of browser you used
  • your top-level domain name (eg. .com, .au, .gov, .uk etc).
  • the time you’ve spent on each page.

No attempt will be made to identify you or your browsing activity except, in the unlikely event of an investigation, where a law enforcement agency may produce a warrant to inspect our ISP’s logs. We will only record your email address or other details you provide if you send us a message to request more information when using our contact form.


BFSLA uses “cookies” as a fundamental part of our interaction with your internet browser. The purpose is to provide you with better and more customised service and with a more effective website.

A “cookie” is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

BFSLA uses cookies for two different purposes. First, we allocate a cookie to each internet browser that visits the BFSLA website. This cookie does not allow us to collect personally identifiable information about you. We use this cookie:

  • to allocate a BFSLA identification number to your Internet browser (but we cannot identify you from this number);
  • to determine if you have previously visited the BFSLA website;
  • to identify pages you have accessed and Third Party websites you have accessed; and
  • for security purposes.

Most of the BFSLA website operates by using this type of cookie.

Accordingly, if you wish to make full use of the BFSLA website, you must accept cookies.

Secondly, BFSLA also uses cookies for restricted content on the BFSLA website. These cookies are used for a variety of purposes, including for eligibility reasons. If your browser is configured to reject all cookies you will be unable to access restricted content on the BFSLA website that require cookies in order to participate.

Acceptance and changes to terms of use

You acknowledge and accept that your use of the BFSLA website indicates your acceptance of these terms of use and the privacy statement and security statement.

These are the current terms of use. They replace any other terms of use for the BFSLA website published on the BFSLA website to date. BFSLA may at any time vary the terms of use by publishing the varied terms of use on the BFSLA website. You accept that by doing this, BFSLA has provided you with sufficient notice of the variation.

BFSLA reserves any rights not expressly granted in these terms of use.