Terms & Conditions of Trade

1. Definitions
1.1 “Builder” means Sam Horn Building Pty Ltd, its successors and assigns or any person acting on behalf of and with the authority of Sam Horn Building Pty Ltd.
1.2 “Client” means the person/s ordering the Works as specified in any invoice, document or order, and if there is more than one Client is a reference to each Client jointly and severally.
1.3 “Works” means all Works (including consultation, manufacturing and/or installation services) or Materials supplied by the Builder to the Client at the Client’s request from time to time (where the context so permits the terms ‘Works’ or ‘Materials’ shall be interchangeable for the other).
1.4 “Price” means the Price payable (plus any GST where applicable) for the Works as agreed between the Builder and the Client in accordance with clause 5 below.
1.5 “GST” means Goods and Services Tax (GST) as defined within the “A New Tax System (Goods and Services Tax) Act 1999”.

2. Acceptance
2.1 The Client is taken to have exclusively accepted and is immediately bound, jointly and severally, by these terms and conditions if the Client places an order for or accepts delivery of any Works.
2.2 These terms and conditions may only be amended with the consent of both parties in writing, and shall prevail to the extent of any inconsistency with any other document or agreement between the Client and the Builder.

3. Electronic Transactions Act 2000
3.1 Electronic signatures shall be deemed to be accepted by either party providing that the parties have complied with Section 9 of the Electronic Transactions Act 2000 or any other applicable provisions of that Act or any Regulations referred to in that Act.

4. Change in Control
4.1 The Client shall give the Builder not less than fourteen (14) days prior written notice of any proposed change of ownership of the Client and/or any other change in the Client’s details (including but not limited to, changes in the Client’s name, address, contact phone or fax number/s, or business practice). The Client shall be liable for any loss incurred by the Builder as a result of the Client’s failure to comply with this clause.

5. Price and Payment
5.1 At the Builder’s sole discretion, the Price shall be either:
(a) as indicated on invoices provided by the Builder to the Client in respect of Works performed or Materials supplied; or
(b) the Builder’s quoted Price (subject to clause 5.2) which shall be binding upon the Builder provided that the Client shall accept the Builder’s quotation in writing within thirty (30) days.
5.2 The Builder reserves the right to change the Price:
(a) if a variation to the Materials which are to be supplied is requested; or
(b) if a variation to the Works originally scheduled (including any applicable plans or specifications) is requested; or
(c) where additional Works are required due to the discovery of hidden or unidentifiable difficulties (but not limited to, poor weather conditions, limitations to accessing the site, hard rock barriers below the surface or iron reinforcing rods in concrete, obscured building defects, unsound pre-existing construction materials, safety considerations, prerequisite work by any third party not being completed, hidden pipes and wiring in walls, etc) which are only discovered on commencement of the Works; or
(d) in the event of increases to the Builder in the cost of labour or materials which are beyond the Builder’s control.
5.3 Variations will be charged for on the basis of the Builder’s quotation, and will be detailed in writing, and shown as variations on the Builder’s invoice. The Client shall be required to respond to any variation submitted by the Builder within ten (10) working days. Failure to do so will entitle the Builder to add the cost of the variation to the Price. Payment for all variations must be made in full at the time of their completion.
5.4 At the Builder’s sole discretion, a non-refundable deposit may be required.
5.5 Time for payment for the Works being of the essence, the Price will be payable by the Client on the date/s determined by the Builder, which may be:
(a) on completion of the Works; or
(b) by way of progress payments in accordance with the Builder’s specified progress payment schedule. Such progress payment claims may include the reasonable value of authorised variations and the value of any Materials delivered to the site but not yet installed; or
(c) the date specified on any invoice or other form as being the date for payment; or
(d) failing any notice to the contrary, the date which is fourteen (14) days following the date of any invoice given to the Client by the Builder.
5.6 Payment may be made by bank cheque, electronic/on-line banking, or by any other method as agreed to between the Client and the Builder.
5.7 The Client shall not be entitled to set off against, or deduct from the Price, any sums owed or claimed to be owed to the Client by the Builder nor to withhold payment of any invoice because part of that invoice is in dispute.
5.8 Unless otherwise stated the Price does not include GST. In addition to the Price the Client must pay to the Builder an amount equal to any GST the Builder must pay for any supply by the Builder under this or any other agreement for the sale of the Materials. The Client must pay GST, without deduction or set off of any other amounts, at the same time and on the same basis as the Client pays the Price. In addition, the Client must pay any other taxes and duties that may be applicable in addition to the Price except where they are expressly included in the Price.

6. Provision of the Works
6.1 Subject to clause 6.2 it is the Builder’s responsibility to ensure that the Works start as soon as it is reasonably possible.
6.2 The Works commencement date will be put back and/or the completion date extended by whatever time is reasonable in the event that the Builder claims an extension of time (by giving the Client written notice) where completion is delayed by an event beyond the Builder’s control, including but not limited to any failure by the Client to:
(a) make a selection; or
(b) have the site ready for the Works; or
(c) notify the Builder that the site is ready.
6.3 At the Builder’s sole discretion, the cost of delivery is included in the Price.
6.4 Any time specified by the Builder for delivery of the Works is an estimate only and the Builder will not be liable for any loss or damage incurred by the Client as a result of delivery being late. However, both parties agree that they shall make every endeavour to enable the Works to be supplied at the time and place as was arranged between both parties.

7. Risk
7.1 If the Builder retains ownership of the Materials under clause 16 then:
(a) where the Builder is supplying Materials only, all risk for the Materials shall immediately pass to the Client on delivery and the Client must insure the Materials on or before delivery. Delivery of the Materials shall be deemed to have taken place immediately at the time that the Materials are delivered by the Builder or the Builder’s nominated carrier to the Client’s nominated delivery address (even if the Client is not present at the address).
(b) where the Builder is to both supply and install Materials then the Builder shall maintain a contract works insurance policy until the Works are completed. Upon completion of the Works all risk for the Works shall immediately pass to the Client.
7.2 Notwithstanding the provisions of clause 7.1 if the Client specifically requests the Builder to leave Materials outside the Builder’s premises for collection or to deliver the Materials to an unattended location then such materials shall always be left at sole risk of the Client and it shall be the Client’s responsibility to ensure the Materials are insured adequately or at all. In the event that such Materials are lost, damaged or destroyed then replacement of the Materials shall be at the Client’s expense.
7.3 Where The Builder is required to install the Materials the Client warrants that the structure of the premises or equipment in or upon which these Materials are to be installed or erected is sound and will sustain the installation and work incidental thereto and The Builder shall not be liable for any claims, demands, losses, damages, costs and expenses howsoever caused or arising in connection with the installation and work incidental thereto. If for any reason (including the discovery of asbestos, defective or unsafe wiring or dangerous access to roofing) that The Builder, its employees or The Builder’s reasonably form the opinion that the Client’s premises is not safe for the installation of Materials to proceed then The Builder shall be entitled to delay installation of the Materials (in accordance with the provisions of clause 5.2) until The Builder is satisfied that it is safe for the installation to proceed.
7.4 The Client acknowledges that Materials supplied may
(a) exhibit variations in shade, colour, texture, surface, finish, markings and may contain natural fissures, occlusions, lines, indentations and may fade or change colour over time; and
(b) expand, contract or distort as a result of exposure to heat, cold, weather; and
(c) mark or stain if exposed to certain substances; and
(d) be damaged or disfigured by impact or scratching.
7.5 Timber is a natural product and as such may exhibit variations in texture, shade, colour, surface, finish, markings, veining, and contain natural fissures, occlusions, and indentations. Whilst The Builder will make every effort to match sales samples to the finished Materials the Builder accepts no liability whatsoever where such samples differ to the finished Materials supplied.
7.6 Timber is a hydroscopic material subject to expansion and contraction, therefore The Builder will accept no responsibility for gaps that may appear during prolonged dry periods.
7.7 The Builder gives no guarantee (expressed or implied) as to the length of time the curing process will take and/or against cracking of concrete that may occur naturally in the works such as:
(a) hairline cracking of paving and grout; or
(b) damage caused by contact with chemicals, solvents, oils or any other substances; or
(c) the affects by elements such as heat exposure or wet weather conditions that prolong the curing process.
7.8 The Client acknowledges and agrees that it is their responsibility to organise and be liable for all costs associated with protecting the concrete and shall take all reasonable precautions to protect against destruction or damage by way of vandalism. In the event that the concrete is destroyed or damaged due to vandalism then the cost of repair or replacement shall be borne by the Client.
7.9 The Builder shall not be liable for any defect in the Works if the Client does not follow the Builder’s recommendations, including:
(a) to water the concrete periodically to limit the risk of possible cracking due to weather conditions;
(b) that no foot traffic and/or any vehicles on the concrete for a minimum of forty-eight (48) hours but preferably seven (7) days;
(c) that no heavy furniture is to be placed on the concrete area for a minimum of twenty-four (24) hours.
7.10 Where the Builder gives advice or recommendations to the Client, or the Client’s agent, regarding the suitability of the worksite for the laying of concrete slabs, foundations or similar works and such advice or recommendations are not acted upon then the Builder shall require the Client or their agent to authorise commencement of the works in writing. The Builder shall not be liable in any way whatsoever for any damages or losses that occur after any subsequent commencement of the works.

8. Client’s Responsibilities
8.1 It is the intention of the Builder and agreed by the Client that it is the responsibility of the Client to provide and have erected scaffolding to enable the Works to be undertaken (where in the Builder’s opinion it is deemed necessary). It is also agreed that all scaffolding erected will comply with industry safety standards and that any person erecting the scaffolding shall be suitably qualified to ensure its safe and proper erection and where necessary shall hold a current certificate of competency and/or be fully licensed.
8.2 The Client shall be responsible for the removal of rubbish or clean-up of the building/construction site/s, and the costs associated with this removal of waste.
8.3 The Client shall supply an area suitable for washing out the Builder’s equipment and for depositing all unused concrete and slurry.

9. Measurement of Concreting Works
9.1 At the completion of the Works the Client or the representative of the Client shall be in attendance and the Works shall then be duly measured. In the absence of either the Client or their representative the Builder shall carry out the necessary measurements and forward to the Client their calculations. If the Client does not object to the calculations within seven (7) days of receipt of the same then it shall be deemed acceptance of the same and the Works completed.

10. Dimensions, Plans and Specifications
10.1 All customary building industry tolerances shall apply to the dimensions and measurements of the Materials unless the Builder and the Client agree otherwise in writing.
10.2 The Builder shall be entitled to rely on the accuracy of any plans, specifications and other information provided by the Client
10.3 If the giving of an estimate or quotation for the supply of Materials involves the Builder estimating measurements and quantities, it shall be the responsibility of the Client to verify the accuracy of the Builder’s estimated measurements and quantities, before the Client places an order based on such estimate or accepts such quotation.
10.4 Should the Client require any changes to the Builder’s estimated measurements and quantities, the Client shall request such changes in writing, in the case of an estimate before placing an order based on that estimate and in the case of a quotation before acceptance of that quotation.

11. Insurance
11.1 The Builder shall have public liability insurance of at least $5m. It is the Client’s responsibility to ensure that they are similarly insured.

12. Access
12.1 The Client shall ensure that the Builder has clear and free access to the work site at all times to enable them to undertake the Works. The Builder shall not be liable for any loss or damage to the site (including, without limitation, damage to pathways, driveways and concreted or paved or grassed areas) unless due to the negligence of the Builder.
12.2 It is the responsibility of the Client to ensure that access is suitable to accept the weight of laden trucks, front end loaders or other earth moving equipment as may be deemed necessary by the Builder.

13. Underground Locations
13.1 Prior to the Builder commencing any work the Client must advise the Builder of the precise location of all underground services on the site and clearly mark the same. The underground mains & services the Client must identify include, but are not limited to, electrical services, gas services, sewer services, pumping services, sewer connections, sewer sludge mains, water mains, irrigation pipes, telephone cables, fibre optic cables, oil pumping mains, and any other services that may be on site.
13.2 Whilst the Builder will take all care to avoid damage to any underground services the Client agrees to indemnify the Builder in respect of all and any liability claims, loss, damage, costs and fines as a result of damage to services not precisely located and notified as per clause 13.1.

14. Surplus Materials
14.1 Unless otherwise stated elsewhere in this contract;
(a) only suitable new Materials will be used;
(b) demolished Materials remain the Client’s property; and
(c) Materials which The Builder brings to the site which are surplus remain the property of The Builder.

15. Compliance with Laws
15.1 The Client and The Builder shall comply with the provisions of all statutes, regulations and bylaws of government, local and other public authorities that may be applicable to the Works.
15.2 The Client shall obtain (at the expense of the Client) all licenses and approvals that may be required for the Works.
15.3 The Client agrees that the site will comply with any occupational health and safety laws relating to building/construction sites and any other relevant safety standards or legislation.

16. Title
16.1 The Builder and the Client agree that ownership of the Materials shall not pass until:
(a) the Client has paid the Builder all amounts owing to the Builder; and
(b) the Client has met all of its other obligations to the Builder.
16.2 Receipt by the Builder of any form of payment other than cash shall not be deemed to be payment until that form of payment has been honoured, cleared or recognised.
16.3 It is further agreed that until ownership of the Materials passes to the Client in accordance with clause 16.1:
(a) the Client is only a bailee of the Materials and unless the Materials have become fixtures must return the Materials to the Builder on request.
(b) the Client holds the benefit of the Client’s insurance of the Materials on trust for the Builder and must pay to the Builder the proceeds of any insurance in the event of the Materials being lost, damaged or destroyed.
(c) the production of these terms and conditions by the Builder shall be sufficient evidence of the Builder’s rights to receive the insurance proceeds direct from the insurer without the need for any person dealing with the Builder to make further enquiries.
(d) the Client must not sell, dispose, or otherwise part with possession of the Materials other than in the ordinary course of business and for market value. If the Client sells, disposes or parts with possession of the Materials then the Client must hold the proceeds of any such act on trust for the Builder and must pay or deliver the proceeds to the Builder on demand.
(e) the Client should not convert or process the Materials or intermix them with other goods but if the Client does so then the Client holds the resulting product on trust for the benefit of the Builder and must sell, dispose of or return the resulting product to the Builder as it so directs.
(f) unless the Materials have become fixtures the Client irrevocably authorises the Builder to enter any premises where the Builder believes the Materials are kept and recover possession of the Materials.
(g) the Builder may recover possession of any Materials in transit whether or not delivery has occurred.
(h) the Client shall not charge or grant an encumbrance over the Materials nor grant nor otherwise give away any interest in the Materials while they remain the property of the Builder.
(i) the Builder may commence proceedings to recover the Price of the Materials sold notwithstanding that ownership of the Materials has not passed to the Client.

17. Personal Property Securities Act 2009 (“PPSA”)
17.1 In this clause financing statement, financing change statement, security agreement, and security interest has the meaning given to it by the PPSA.
17.2 Upon assenting to these terms and conditions in writing the Client acknowledges and agrees that these terms and conditions constitute a security agreement for the purposes of the PPSA and creates a security interest in all Materials and/or collateral (account) – being a
monetary obligation of the Client to the Builder for Works – that have previously been supplied and that will be supplied in the future by the Builder to the Client.
17.3 The Client undertakes to:
(a) promptly sign any further documents and/or provide any further information (such information to be complete, accurate and up-to-date in all respects) which the Builder may reasonably require to:
(i) register a financing statement or financing change statement in relation to a security interest on the Personal Property Securities Register;
(ii) register any other document required to be registered by the PPSA; or
(iii) correct a defect in a statement referred to in clause 17.3(a)(i) or 17.3(a)(ii);
(b) indemnify, and upon demand reimburse, the Builder for all expenses incurred in registering a financing statement or financing change statement on the Personal Property Securities Register established by the PPSA or releasing any Materials charged thereby;
(c) not register a financing change statement in respect of a security interest without the prior written consent of the Builder;
(d) not register, or permit to be registered, a financing statement or a financing change statement in relation to the Materials and/or collateral (account) in favour of a third party without the prior written consent of the Builder;
(e) immediately advise the Builder of any material change in its business practices of selling the Materials which would result in a change in the nature of proceeds derived from such sales.
17.4 The Builder and the Client agree that sections 96, 115 and 125 of the PPSA do not apply to the security agreement created by these terms and conditions.
17.5 The Client hereby waives its rights to receive notices under sections 95, 118, 121(4), 130, 132(3)(d) and 132(4) of the PPSA.
17.6 The Client waives its rights as a grantor and/or a debtor under sections 142 and 143 of the PPSA.
17.7 Unless otherwise agreed to in writing by the Builder, the Client waives its right to receive a verification statement in accordance with section 157 of the PPSA.
17.8 The Client shall unconditionally ratify any actions taken by the Builder under clauses 17.3 to 17.5.
17.9 Subject to any express provisions to the contrary (including those contained in this clause 17) nothing in these terms and conditions is intended to have the effect of contracting out of any of the provisions of the PPSA.

18. Security and Charge
18.1 In consideration of the Builder agreeing to supply the Works, the Client charges all of its rights, title and interest (whether joint or several) in any land, realty or other assets capable of being charged, owned by the Client either now or in the future, to secure the performance by the Client of its obligations under these terms and conditions (including, but not limited to, the payment of any money).
18.2 The Client indemnifies the Builder from and against all the Builder’s costs and disbursements including legal costs on a solicitor and own client basis incurred in exercising the Builder’s rights under this clause.
18.3 The Client irrevocably appoints the Builder and each director of the Builder as the Client’s true and lawful attorney/s to perform all necessary acts to give effect to the provisions of this clause 18 including, but not limited to, signing any document on the Client’s behalf.

19. Defects, Warranties and Returns, Competition and Consumer Act 2010 (CCA)
19.1 The Client must inspect all Materials on delivery (or the Works on completion) and must within seven (7) days of delivery notify the Builder in writing of any evident defect/damage, shortage in quantity, or failure to comply with the description or quote. The Client must notify any other alleged defect in the Materials/Works as soon as reasonably possible after any such defect becomes evident. Upon such notification the Client must allow the Builder to inspect the Materials or to review the Works provided.
19.2 Under applicable State, Territory and Commonwealth Law (including, without limitation the CCA), certain statutory implied guarantees and warranties (including, without limitation the statutory guarantees under the CCA) may be implied into these terms and conditions (Non-Excluded Guarantees).
19.3 The Builder acknowledges that nothing in these terms and conditions purports to modify or exclude the Non-Excluded Guarantees.
19.4 Except as expressly set out in these terms and conditions or in respect of the Non-Excluded Guarantees, the Builder makes no warranties or other representations under these terms and conditions including but not limited to the quality or suitability of the Materials/Works. The Builder’s liability in respect of these warranties is limited to the fullest extent permitted by law.
19.5 If the Client is a consumer within the meaning of the CCA, the Builder’s liability is limited to the extent permitted by section 64A of Schedule 2.
19.6 If the Builder is required to replace any Materials under this clause or the CCA, but is unable to do so, the Builder may refund any money the Client has paid for the Materials.
19.7 If the Builder is required to rectify, re-supply, or pay the cost of re-supplying the Works under this clause or the CCA, but is unable to do so, then the Builder may refund any money the Client has paid for the Works but only to the extent that such refund shall take into account the value of Works and Materials which have been provided to the Client which were not defective.
19.8 If the Client is not a consumer within the meaning of the CCA, the Builder’s liability for any defect or damage in the Materials is:
(a) limited to the value of any express warranty or warranty card provided to the Client by the Builder at the Builder’s sole discretion;
(b) limited to any warranty to which the Builder is entitled, if the Builder did not manufacture the Materials;
(c) otherwise negated absolutely.
19.9 Subject to this clause 19, returns will only be accepted provided that:
(a) the Client has complied with the provisions of clause 19.1; and
(b) the Builder has agreed that the Materials are defective; and
(c) the Materials are returned within a reasonable time at the Client’s cost (if that cost is not significant); and
(d) the Materials are returned in as close a condition to that in which they were delivered as is possible.
19.10 Notwithstanding clauses 19.1 to 19.9 but subject to the CCA, the Builder shall not be liable for any defect or damage which may be caused or partly caused by or arise as a result of:
(a) the Client failing to properly maintain or store any Materials;
(b) the Client using the Materials for any purpose other than that for which they were designed;
(c) the Client continuing to use any Materials after any defect became apparent or should have become apparent to a reasonably prudent operator or user;
(d) interference with the Works by the Client or any third party without the Builder’s prior approval;
(e) the Client failing to follow any instructions or guidelines provided by the Builder;
(f) fair wear and tear, any accident, or act of God.
19.11 Notwithstanding anything contained in this clause if the Builder is required by a law to accept a return then the Builder will only accept a return on the conditions imposed by that law.

20. Intellectual Property
20.1 Where the Builder has designed, drawn, written plans or a schedule of Works, or created any products for the Client, then the copyright in all such designs, drawings, documents, plans, schedules and products shall remain vested in the Builder, and shall only be used by the Client at the Builder’s discretion. Under no circumstances may such designs, drawings and documents be used without the express written approval of the Builder.
20.2 The Client warrants that all designs, specifications or instructions given to the Builder will not cause the Builder to infringe any patent, registered design or trademark in the execution of the Client’s order and the Client agrees to indemnify the Builder against any action taken by a third party against the Builder in respect of any such infringement.
20.3 The Client agrees that the Builder may (at no cost) use for the purposes of marketing or entry into any competition, any documents, designs, drawings, plans or products which the Builder has created for the Client.

21. Default and Consequences of Default
21.1 Interest on overdue invoices shall accrue daily from the date when payment becomes due, until the date of payment, at a rate of two and a half percent (2.5%) per calendar month (and at the Builder’s sole discretion such interest shall compound monthly at such a rate) after as well as before any judgment.
21.2 If the Client owes the Builder any money the Client shall indemnify the Builder from and against all costs and disbursements incurred by the Builder in recovering the debt (including but not limited to internal administration fees, legal costs on a solicitor and own client basis, the Builder’s contract default fee, and bank dishonour fees).
21.3 Further to any other rights or remedies the Builder may have under this contract, if a Client has made payment to the Builder, and the transaction is subsequently reversed, the Client shall be liable for the amount of the reversed transaction, in addition to any further costs incurred by the Builder under this clause 21 where it can be proven that such reversal is found to be illegal, fraudulent or in contravention to the Client’s obligations under this agreement.
21.4 Without prejudice to the Builder’s other remedies at law the Builder shall be entitled to cancel all or any part of any order of the Client which remains unfulfilled and all amounts owing to the Builder shall, whether or not due for payment, become immediately payable if:
(a) any money payable to the Builder becomes overdue, or in the Builder’s opinion the Client will be unable to make a payment when it falls due;
(b) the Client has exceeded any applicable credit limit provided by the Builder;
(c) the Client becomes insolvent or bankrupt, convenes a meeting with its creditors or proposes or enters into an arrangement with creditors, or makes an assignment for the benefit of its creditors; or
(d) a receiver, manager, liquidator (provisional or otherwise) or similar person is appointed in respect of the Client or any asset of the Client.

22. Cancellation
22.1 Without prejudice to any other remedies the Builder may have, if at any time the Client is in breach of any obligation (including those relating to payment) under these terms and conditions the Builder may suspend or terminate the supply of Works to the Client. The Builder will not be liable to the Client for any loss or damage the Client suffers because the Builder has exercised its rights under this clause.
22.2 The Builder may cancel any contract to which these terms and conditions apply or cancel delivery of Works at any time before the Works are commenced by giving written notice to the Client. On giving such notice the Builder shall repay to the Client any sums paid in respect of the Price, less any amounts owing by the Client to the Builder for Works already performed. The Builder shall not be liable for any loss or damage whatsoever arising from such cancellation.
22.3 In the event that the Client cancels the delivery of Works the Client shall be liable for any and all loss incurred (whether direct or indirect) by the Builder as a direct result of the cancellation (including, but not limited to, any loss of profits).
22.4 Cancellation of orders for products made to the Client’s specifications, or for non-stocklist items, will definitely not be accepted once production has commenced, or an order has been placed.

23. Dispute Resolution
23.1 If a dispute arises between the parties to this contract, then either party shall send to the other party a notice of dispute in writing adequately identifying and providing details of the dispute. Within fourteen (14) days after service of a notice of dispute, the parties shall confer at least once, to attempt to resolve the dispute. At any such conference each party shall be represented by a person having authority to agree to a resolution of the dispute. In the event that the dispute cannot be so resolved either party may by further notice in writing delivered by hand or sent by certified mail to the other party refer such dispute to arbitration. Any arbitration shall be:
(a) referred to a single arbitrator to be nominated by the President of the Institute of Arbitrators Australia; and
(b) conducted in accordance with the Institute of Arbitrators Australia Rules for the Conduct of Commercial Arbitration.

24. Privacy Act 1988
24.1 The Client agrees for the Builder to obtain from a credit reporting body (CRB) a credit report containing personal credit information (e.g. name, address, D.O.B, occupation, previous credit applications, credit history) about the Client in relation to credit provided by the Builder.
24.2 The Client agrees that the Builder may exchange information about the Client with those credit providers and with related body corporates for the following purposes:
(a) to assess an application by the Client; and/or
(b) to notify other credit providers of a default by the Client; and/or
(c) to exchange information with other credit providers as to the status of this credit account, where the Client is in default with other credit providers; and/or
(d) to assess the creditworthiness of the Client including the Client’s repayment history in the preceding two (2) years.
24.3 The Client consents to the Builder being given a consumer credit report to collect overdue payment on commercial credit.
24.4 The Client agrees that personal credit information provided may be used and retained by the Builder for the following purposes (and for other agreed purposes or required by):
(a) the provision of Works; and/or
(b) analysing, verifying and/or checking the Client’s credit, payment and/or status in relation to the provision of Works; and/or
(c) processing of any payment instructions, direct debit facilities and/or credit facilities requested by the Client; and/or
(d) enabling the collection of amounts outstanding in relation to the Works.
24.5 The Builder may give information about the Client to a CRB for the following purposes:
(a) to obtain a consumer credit report;
(b) allow the CRB to create or maintain a credit information file about the Client including credit history.
24.6 The information given to the CRB may include:
(a) personal information as outlined in 24.1 above;
(b) name of the credit provider and that the Builder is a current credit provider to the Client;
(c) whether the credit provider is a licensee;
(d) type of consumer credit;
(e) details concerning the Client’s application for credit or commercial credit (e.g. date of commencement/termination of the credit account and the amount requested);
(f) advice of consumer credit defaults, overdue accounts, loan repayments or outstanding monies which are overdue by more than sixty (60) days and for which written notice for request of payment has been made and debt recovery action commenced or alternatively that the Client no longer has any overdue accounts and the Builder has been paid or otherwise discharged and all details surrounding that discharge (e.g. dates of payments);
(g) information that, in the opinion of the Builder, the Client has committed a serious credit infringement;
(h) advice that the amount of the Client’s overdue payment is equal to or more than one hundred and fifty dollars ($150).
24.7 The Client shall have the right to request (by e-mail) from the Builder:
(a) a copy of the information about the Client retained by the Builder and the right to request that the Builder correct any incorrect information; and
(b) that the Builder does not disclose any personal information about the Client for the purpose of direct marketing.
24.8 The Builder will destroy personal information upon the Client’s request (by e-mail) or if it is no longer required unless it is required in order to fulfil the obligations of this agreement or is required to be maintained and/or stored in accordance with the law.
24.9 The Client can make a privacy complaint by contacting the Builder via e-mail. The Builder will respond to that complaint within seven (7) days of receipt and will take all reasonable steps to make a decision as to the complaint within thirty (30) days of receipt of the complaint. In the event that the Client is not satisfied with the resolution provided, the Client can make a complaint to the Information Commissioner at www.oaic.gov.au.

25. Service of Notices
25.1 Any written notice given under this contract shall be deemed to have been given and received:
(a) by handing the notice to the other party, in person;
(b) by leaving it at the address of the other party as stated in this contract;
(c) by sending it by registered post to the address of the other party as stated in this contract;
(d) if sent by facsimile transmission to the fax number of the other party as stated in this contract (if any), on receipt of confirmation of the transmission;
(e) if sent by email to the other party’s last known email address.
25.2 Any notice that is posted shall be deemed to have been served, unless the contrary is shown, at the time when by the ordinary course of post, the notice would have been delivered.

26. Building and Construction Industry Security of Payments Act 1999
26.1 At the Builder’s sole discretion, if there are any disputes or claims for unpaid Materials and/or Works then the provisions of the Building and Construction Industry Security of Payments Act 1999 may apply.
26.2 Nothing in this agreement is intended to have the effect of contracting out of any applicable provisions of the Building and Construction Industry Security of Payments Act 1999 of New South Wales, except to the extent permitted by the Act where applicable.

27. General
27.1 The failure by either party to enforce any provision of these terms and conditions shall not be treated as a waiver of that provision, nor shall it affect that party’s right to subsequently enforce that provision. If any provision of these terms and conditions shall be invalid, void, illegal or unenforceable the validity, existence, legality and enforceability of the remaining provisions shall not be affected, prejudiced or impaired.
27.2 These terms and conditions and any contract to which they apply shall be governed by the laws of New South Wales, the state in which the Builder has its principal place of business, and are subject to the jurisdiction of the courts in New Castle, New South Wales,
27.3 Subject to clause 19 the Builder shall be under no liability whatsoever to the Client for any indirect and/or consequential loss and/or expense (including loss of profit) suffered by the Client arising out of a breach by the Builder of these terms and conditions (alternatively the Builder’s liability shall be limited to damages which under no circumstances shall exceed the Price of the Works).
27.4 Neither party shall assign or sub-contract all or any part of their rights and obligations under this agreement without the written consent of the other party.
27.5 The Client agrees that the Builder may amend these terms and conditions by notifying the Client in writing. These changes shall be deemed to take effect from the date on which the Client accepts such changes, or otherwise at such time as the Client makes a further request for the Builder to provide Works to the Client.
27.6 Neither party shall be liable for any default due to any act of God, war, terrorism, strike, lock-out, industrial action, fire, flood, storm or other event beyond the reasonable control of either party.
27.7 Both parties warrant that they have the power to enter into this agreement and have obtained all necessary authorisations to allow them to do so, they are not insolvent and that this agreement creates binding and valid legal obligations on them.