1. Acceptance of Terms By accessing or using the NIFPI website (the “Website”), you agree to comply with and be bound by these Terms and Conditions (the “Terms”). If you do not agree to these Terms, please refrain from using the Website.

2. Changes to Terms NIFPI reserves the right to modify, amend, or update these Terms at any time without prior notice. It is your responsibility to review these Terms periodically. Your continued use of the Website after any changes constitutes acceptance of those changes.

3. Privacy Policy Your use of the Website is also governed by our Privacy Policy. By using the Website, you consent to the terms outlined in the Privacy Policy.

4. User Registration Some features of the Website may require you to create an account. You are responsible for providing accurate and complete information during the registration process. You must maintain the confidentiality of your account information and are solely responsible for all activities that occur under your account.

5. User Conduct You agree to use the Website in compliance with all applicable laws and regulations. You must not engage in any of the following prohibited activities: a. Violating any applicable laws or regulations. b. Transmitting harmful, offensive, or unlawful content. c. Interfering with the Website’s operation or security. d. Attempting to gain unauthorized access to the Website. e. Harassing, threatening, or impersonating other users. f. Uploading or distributing viruses, malware, or any other malicious code.

6. Content Ownership All content, including text, graphics, logos, and other materials on the Website, is the property of NIFPI or its licensors and is protected by copyright and other intellectual property laws.

7. User-Generated Content Users may submit content to the Website, such as comments, reviews, or forum posts. By doing so, you grant NIFPI a non-exclusive, royalty-free, worldwide, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works, distribute, and display your content.

8. Disclaimers The Website is provided “as is” and “as available” without warranties of any kind, either express or implied. NIFPI disclaims all warranties, including but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability In no event shall NIFPI or its affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your use or inability to use the Website.

10. Termination NIFPI reserves the right to terminate or suspend your access to the Website at any time, for any reason, without notice.

11. Governing Law These Terms are governed by and construed in accordance with the laws of Australia. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts located in Australia.

12. Contact Information If you have any questions or concerns regarding these Terms, please contact us via our contact page.

By using the Website, you acknowledge that you have read, understood, and agree to these Terms and Conditions.