By using or accessing this Website, you signify your acknowledgment and assent to the terms and conditions of use set forth below. If you do not agree to these terms of use, please do not use this Website. Gale Pacific is free to revise these terms of use at any time by updating this posting and your use after such change signifies your acceptance of the changed terms. Please check these terms of use periodically for changes.

This Website is owned and operated by Gale Pacific. Questions concerning this Website or its operation should be directed to the contact points listed on this Website.

In connection with viewing and using this Website, you are permitted to temporarily download one copy of the materials posted on this Website onto a single computer for only your personal, non-commercial use. Except as otherwise specifically provided elsewhere on this Website, redistribution, retransmission, republication or commercial exploitation of the contents of this Website is expressly prohibited without the written consent of Gale Pacific and any copyright owner from whom we have obtained a license. Requests for such permission should be made to the contact specified below. All rights not expressly granted herein are reserved. Downloading of any information, content or images from this Website does not transfer any right or ownership of such information, content or images to you, and such information, content or images may be used solely in accordance with these terms of use. You may not mirror or archive any part of this site or any material contained on this site on any server or computer without Gale Pacific's written permission.

Contents and Hyperlinks

This Website may contain hyperlinks to third-party Websites. Those Websites are the sole responsibility of such independent third parties, and use thereof is solely at your own risk. Gale Pacific has no control over the content or policies of such third-party Websites, and we are not responsible for (and under no circumstances shall be liable for) the contents, accuracy or reliability of any Websites hyperlinked to this Website. Those who choose to access information from this Website (including any information obtained through any hyperlink) are solely responsible for the compliance of such information with any applicable law.

If you want to link to this Website, please obtain permission from Gale Pacific before creating that link so the site may be previewed. Gale Pacific expressly forbids the unauthorised use of its logos, trademarks or other graphics to create links. Text links are permitted upon approval.

User Content

Gale Pacific is pleased to hear from its customers; however, we do not accept or consider any creative ideas, suggestions or other materials related to products, services or marketing except in compliance with the procedures outlined for idea submissions outlined elsewhere in this Website. Please do not send us any original creative materials such as product ideas or suggestions except in compliance with such procedures. Anything you disclose or offer to us by or through this Website ("communications"), including e-mails to Gale Pacific or postings on interactive portions of this Website, shall be deemed and shall remain the property of Gale Pacific. If you send us such communications, you are providing it to us on a NON-CONFIDENTIAL BASIS, and we will have no obligation to keep such information secret, to refrain from using such information or to compensate you for the receipt or use of such communications. Gale Pacific is free to use, for any purpose whatsoever, any communications, including but not limited to publishing, developing, manufacturing and marketing products using such communications. By submitting communications to us through this Website, e-mail or any means other than the procedures outlined elsewhere in this Website, you hereby RELEASE Gale Pacific from any liability under any legal theory in connection with the use, modification, sale or disclosure of any communications. By uploading or otherwise providing any communications to this Website or Gale Pacific, you hereby grant Gale Pacific, to the extent you retain any rights, the unlimited, perpetual right to reuse, redistribute, modify and create derivative works from such communications for any purpose and in any media without compensation, and you warrant that all "moral rights" in uploaded communications have been waived.

Interactive Areas and Code of Acceptable Conduct

Gale Pacific does not ordinarily filter, censor, edit or regulate information and content provided by third parties on this Website, including any such information provided in interactive areas. We neither endorse nor are responsible for (and under no circumstances shall be liable for) the contents, accuracy or reliability of such information and content.

When participating in interactive portions of this Website, you represent that you have proper right and authorisation to use any information or content you upload or post and agree to abide by the following code of acceptable conduct:

  1. You will not upload or otherwise provide infringing, defamatory, obscene, pornographic, threatening, abusive, illegal or otherwise improper content.
  2. You will not upload viruses or harmful components.
  3. You will not use the Website to further any illegal purpose or to violate the rights of any party.
  4. You will not upload or otherwise provide content with a commercial purpose or attempt to solicit funds or advertise goods and services.

Gale Pacific will assist law enforcement officials investigating illegal activity or violations of these terms of use.

Products, Services and Software

Downloading software from this Website does not give you title to such software, including any files, data and images incorporated in or associated with the software. Your use of any such software shall be only in accordance with the license agreement that is included with the software or presented upon download of such software. Software available on this Website is copyrighted by Gale Pacific or its owner. Software may not be copied, redistributed or placed on any server for further distribution. You may not sell, modify, decompile, disassemble or otherwise reverse engineer the software.

A description or reference to a product, service or publication on this Website (including any description or reference via hyperlink) does not imply endorsement by Gale Pacific of that product, service or publication. Products and software offered through this Website shall be warranted, if at all, through the written license or warranty provided in connection with such product or software.

No Representations or Warranties

Gale Pacific makes no representations or warranties that this Website is free of defects, viruses or other harmful components. We shall not be responsible for any damages or loss that may result from the hacking or infiltration of this Website or Gale Pacific's computer systems. You have the sole responsibility for adequate protection and backup of data and/or equipment used in connection with this website, and you agree to hold Gale Pacific harmless from, and you covenant not to sue us for, any claims based on use of this website, including claims for lost data, work delays or lost profits resulting from use of materials or content from this website.

The pages on this Website may contain technical inaccuracies, outdated information and typographical errors. To the extent permitted by applicable law, this website is provided "as is". Gale Pacific does not make any warrant of any kind, whether express or implied, including but not limited to any warranty or fitness for a particular purpose or merchant ability, nor does it in any way guarantee the quality, data content, goods or services that are transferred, received, purchased or otherwise made available or obtained by way of this website. We do not warrant that this website will be error-free or that defects will be corrected. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Gale Pacific do not warrant the accuracy or completeness of any information you derive from this website or planning calculator and exclude liability for loss or damage arising from any errors or omissions in, or your use of this website or planning calculator (including any interference with or damage to your computer system). If any liability is not able to be excluded by law, we limit our liability to the resupply of the relevant information or services.

You release Gale Pacific, its servants and agents to the fullest extent permitted by law from any and all claims arising out of or related to the use of material or information made available through this website.

Limitations of Liability

Under no circumstances, including negligence, shall Gale Pacific be liable for any special, incidental or consequential damages or lost profits that result from the distribution or use of, or the inability to use, the content or materials on this website, even if we have been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation may not apply to you. In no event shall Gale Pacific's total liability to you for all damages, losses and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this website.

Jurisdiction and Choice of Law

Gale Pacific controls and manages this Website from its facilities in the State of Victoria in Australia. Unless otherwise stated, materials and content on this Website are presented solely for promoting products and services in Australia. Information published on this Website may contain references to products, programs and services that are not announced or available in your country or region. We make no representation that such information, products, programs or services referenced on this Website are legal, available or appropriate in your country or region.

These terms of use shall be governed by and construed in accordance with the laws of the State of Victoria and Australia, without giving effect to any principles of conflicts of law.

Trademarks and Copyrights

Nothing on this Website shall be construed as conferring any license under any intellectual property right, including any right in the nature of trademark or copyright, of Gale Pacific or any third party, whether by estoppel, implication or otherwise. All trademarks and trade names are the property of their respective owners.

Except as otherwise noted, Gale Pacific is the owner of all trademarks and service marks on this Website, whether registered or not. All registered trademarks are registered in Australia (or other applicable jurisdictions).

Securities and Investment

This Website and the information contained or referred to herein does not constitute an offer or a solicitation of an offer for the purchase or sale of any securities.

This Website may contain information and press releases about and by Gale Pacific. While information prepared by us was believed to be accurate as of the date so prepared, we disclaim any duty or obligation to update such information or to verify the accuracy of information prepared by others.


If any provision of these terms of use shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from the remaining terms of use and shall not affect the validity and enforceability of any remaining provisions.


Please see our Privacy Policy for information regarding the collection and use of personal information from this Website.

Despite any representations concerning privacy, Gale Pacific reserves the right to disclose without notice to you any information in its possession if required to do so by law or upon a good-faith belief that such action is necessary to comply with the law, to protect or defend our rights or property, or to respond to an emergency situation. Specific areas or pages of this Website may include additional or different terms relating to the use of personal information collected from such areas or pages.


These terms of use represent the entire understanding relating to the use of this Website and prevail over any prior or contemporaneous, conflicting or additional communications.

Any unauthorised access, modification or change of any information, or any interference with the availability of or access to this Website is strictly prohibited. Gale Pacific reserves all legal rights and remedies available to it and this disclaimer shall in no way be deemed a limitation or waiver of any other rights Gale Pacific may have.

Specific areas or pages of this Website may include additional or different terms relating to the use of this Website. In the event of a conflict between such terms and these terms of use such specific terms shall control. Unless otherwise indicated, all material on this site is © 2015 Gale Pacific.