Website - Terms of Usage

Bank Reform Now's Website, as it is currently, has had a lot of time and effort spent on it. Materials placed on this website are for supporters, participants and the education of the community at large - and for people involved in government and the finance industry. We hope you enjoy the various sections and features that have been built. If you come across any errors please feel free to contact us.

All materials displayed and within use on this website are copyright to Peter Brandson [T/A Bank Reform Now (TM)] or are used with permission of the respective copyright owners. This includes but is not limited to; images, videos, webcam, textual content, tables, software, coding and all files associated with functionality - CSS JS etc.

No materials are to be used outside the following Terms and Conditions of Use. In particular you do not have permission to reproduce, scrap, frame or pass off any of the materials on this website without express written permission. To apply for permission to use materials, please feel free to contact us.

Bank Reform Now is interested in collaboration within the industry to promote positive education and open discourse within the realm of bank reform in general. Thank you for your attention.

Bank Reform Now Website Terms and Conditions of Use

1. Terms
By accessing this website, you are agreeing to be bound by these website Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trade mark law.

2. Use License
a.    Permission is granted to temporarily download one copy of the materials (information or software) on Bank Reform Now's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
  i.    modify or copy the materials;
  ii.   use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  iii.   attempt to decompile or reverse engineer any software contained on Bank Reform Now's website;
  iv.   remove any copyright or other proprietary notations from the materials; or
  v.    transfer the materials to another person or "frame" or "mirror" the materials on any other server or website.

b.    This license shall automatically terminate if you violate any of these restrictions and may be terminated by Bank Reform Now at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer
The materials on Bank Reform Now's website are provided "as is". Bank Reform Now makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Bank Reform Now does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its internet website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall Bank Reform Now or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption), arising out of the use or inability to use the materials on Bank Reform Now's internet site, even if Bank Reform Now or a Bank Reform Now's authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata
The materials appearing on Bank Reform Now's website could include technical, typographical, or photographic errors. Bank Reform Now does not warrant that any of the materials on its web site are accurate, complete, or current. Of course referenced facts regarding bank malpractice are accurate, supported by evidence and demand attention and action for the success of the campaign. Bank Reform Now may make changes to the materials contained on its website at any time without notice. Bank Reform Now does not, however, make any commitment to update the materials.

6. Links
Bank Reform Now may not have reviewed all of the sites linked to its internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Bank Reform Now of the site. Use of any such linked website is at the user's own risk.

7. Site Terms of Use Modifications
Bank Reform Now may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to Bank Reform Now's web site shall be governed by the laws of the State of New South Wales without regard to its conflict of law provisions.

Bank Reform Now - Website Based Home Giveaway - Terms And Conditions

1. The house is situated at 21 Mary Place, Long Beach, Batemans Bay NSW Australia. While it's market value fluctuates - the replacement cost is approximately $2.6Million.

2. The supporter who is given the house will be chosen by the board of Bank Reform Now using a method complying with all relevant Australian State and Territory regulations. The criteria for choosing the recipient of the house specifically excludes any element of luck, chance or gaming. This is not a lottery. The board will choose the recipient based on the degree of assistance that supporter provides to help build the campaign. For example organising successful events, conferences, public relations exercises. Perhaps someone will enable the BRN message to get to millions of people around the world. The aim is to build support so that essential reforms can be introduced. One person who greatly assist us will be gifted the house.

3. The decision made is final and no correspondence will be entered into regarding the decision.

4. Whilst we welcome participation from all corners of the world in the BRN campaign. The following people are not eligible to be given the house:
  a) Relatives or friends of Bank Reform Now representatives -  this includes the CEO Dr Peter Brandson; all current and future board members; all paid and unpaid staff.
  b) Followers and supporters who live in a jurisdiction that prohibits participation in the home giveaway.
  c) Only individuals can be eligible for the home giveaway and while businesses or corporate entities can contribute to the campaign they cannot be gifted the house
  d) CEOs and Directors of the Big Four Australian banks and their subsidiaries.

5. The house will be given as is. It will be vacant and unfurnished.

6. The house will be unencumbered. Title will be transferred free and clear to the recipient. There will be no outstanding mortgage, rates, bills or any other fees.

7. We aim to raise $20 million in phase one of the campaign however the home will be given away once the first $6 million is raised. Think about: the billions of ill-gotten gains banks have stripped from nations; how much money they have to buy political favours and influence. We require serious funding to mount a serious campaign. It can only happen with public support. Corporations will not fund a grassroots people powered movement.

8. We are applying to the Foreign Investment Review Board for permission to give the house to a winner from overseas should that outcome eventuate.

Top 4 Australian Banks - Under Scrutiny

AU Banks want much more than just the farm!
  - The world knows it, but do the people of Australia know it?
It's time to spread the word.


Flush and Dominant, Australia’s Banks Come Under Pressure

There is "...a growing storm in Australia over the size, power and conduct of the country’s four big banks."

"Long politically protected and immensely profitable, Australia’s big banks are now facing the biggest public outcry in a generation..."

"... Australia stands out. At a time when the world is considering what to do about banks that are too big to fail, Australia offers a glimpse of just how big — and how dominant — they can become."
Quoting From NY Times Article By A. ODYSSEUS PATRICK OCT. 14, 2016

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