Term of Use

Owner IQumulate Premium Funding Pty Ltd (ABN 82 127 517 677) (“IPF”) owns and operates this website.


These Terms of Use (“Terms”) govern your use of the IPF website (www.iqumulate.com), any other web domains owned by IPF and any linked pages (“External Sites”). By accessing this website and the materials and information within, you acknowledge that you have read, understood and agree to be bound by these Terms, and any changes to these Terms as they occur from time to time.




The materials on this website have been prepared for general information purposes only. Whilst IPF has used every effort to ensure that information is free from error, IPF does not warrant either expressly or impliedly the accuracy or completeness of any materials on this website.


IPF reserves the right to alter, move, modify or remove any content at its absolute discretion from time to time without notice, and is also under no obligation to provide you with alternative links or avenues to such content.


IPF does not warrant that the IPF website will be free from viruses or anything else that may either interfere with or damage the operation of your computer systems, or that access to the IPF website or any External Site will be uninterrupted. Under no circumstances will IPF be liable to you or any third party for damages or interferences to computer systems arising out of connection or usage of the IPF website or an External Site, as well as disruptions experienced whilst using the IPF website.


You must take your own precautions to ensure that whatever you select for use from this website is free of viruses or anything else that may either interfere with or damage the operation of your computer systems.


Limitation of Liability


Except for the rights, guarantees and remedies which cannot be excluded, restricted or modified, to the maximum extent permitted by applicable law IPF excludes all liability incurred, suffered by or awarded against you under or in any way as a result of your use of or reliance upon this website or the content contained herein.


As per our option under the Competition and Consumer Act 2010 (Cth), Schedule 2 – The Australian Consumer Law, section 64A, IPF excludes all and any liability which may arise for any damages, losses, liabilities, expenses, costs or consequences of any nature including without limitation loss of revenue, claims and expenses suffered by you or any third party.


In no event shall IPF’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website, even if IPF has been advised of the possibility of such damages.


Copyright and Intellectual Property Rights


The material contained on this website is protected by copyright, with all rights reserved by IPF. You may use this website only for your personal and non-commercial purposes, or for business purposes only where specifically permitted  by IPF. No term or condition stated on this website will express or imply approval for commercial purposes.


Trademarks (whether registered or unregistered) and logos belonging to IPF must not be used in any way without obtaining the express prior written consent of IPF. At no time can such trademarks be modified by you. The content contained in this website may be the subject of other intellectual property rights owned by IPF or by third parties. No licence is granted in respect of those intellectual property rights other than as set out in these Terms. Your use of this website must not in any way violate or infringe upon the intellectual property rights of any person or entity.


Rights of Material


You are granted a revocable license to download the material contained on this website for your personal use, as well as for the purpose of transacting business with IPF. You must not otherwise copy, reproduce, republish, frame, upload, transmit, redistribute or modify the contents of this website in any way, except where the prior written consent of IPF has been obtained.


External Sites


This website may contain links to, or frame, websites of third parties (“External Sites”). IPF is not required to either maintain or update any links on the IPF website. IPF is not authorising the reproduction of External Site material by linking material on this website to External Site material.


Links to, or framing of, External Sites should not be construed as any endorsement, approval, recommendation or preference by IPF of the copyright holders, site or content owners, operators of the External Sites, or for any information, products or services referred to on the External Sites unless expressly indicated on this website.


IPF makes no warranties or representations whatsoever in relation to any aspect(s) of External Site material, including the quality, appropriateness or accuracy of any information or the products and services available through External Sites. IPF accepts no liability, or responsibility, in relation to material contained on External Sites whether linked to, or framed, directly or indirectly.




IPF makes no warranty in respect of the strength or effectiveness of the security methods or technologies provided both directly within the IPF website and between the IPF website and your own system. IPF is not responsible for any events arising from unauthorised access to the information you provide, utilise or access on the IPF website.


Links to IPF


No terms contained in these Terms will imply authorisation for any party to create links to the IPF website. If you wish to create a link to any part of the website, you must obtain prior written consent from IPF before doing so.


To obtain consent, send e-mail to assist@iqumulate.com stating:


“Your Name

Company Name

Contact details incl phone and e-mail

URL of any (and all) sites you intend to link from

Nature of your business

Explanation of the purpose of the links and context within which the links will appear

Description of how the links will work – framed, direct link, etc”


IPF will assess each request on a case by case basis and will notify you of approval where granted.


Information submitted by you


All information submitted to IPF through the IPF website will be deemed to be the property of IPF. By submitting any information to us through the IPF website, you grant us an unrestricted, irrevocable license to use, display, reproduce, modify, perform, transmit and distribute that information. You also agree that IPF is free to use for any purpose any ideas, concepts, know-how or techniques that you submit to us through the IPF website.


IPF is not subject to any obligations of confidentiality regarding submitted information, except where IPF has a direct customer relationship or as otherwise specifically agreed or required by law.




These Terms are governed by the laws of New South Wales. By using this site, you unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales and all courts which have a jurisdiction to hear appeals from those courts.


Reservation of Rights


IPF reserves the right to amend, change, modify, add to, or remove portions of these Terms at any time without notice.