Terms of Use

By accessing or otherwise using the Reflection on the Murray website (the Website), you agree to be bound by these Terms of Use (Terms) and you understand that these Terms are not subject to negotiation. The Website is owned and operated by Reflection on the Murray (Reflection on the Murray). Reflection on the Murray provides access to the Website to you subject to these Terms. Reflection on the Murray is entitled, at its sole and absolute discretion, to amend, add or remove any part of these Terms at any time without notice. You should periodically read these Terms. Your use of the Website constitutes an agreement by you to abide by and be bound by these Terms, as amended from time to time.


1. If you upload or otherwise provide any information or content (Content) in the course of accessing or using the Website, you agree that such Content will be available to Reflection on the Murray to use in any manner it thinks fit, subject to applicable provisions of any legislation including, without limitation, privacy legislation. You agree that the Content may be viewed by other users of the Website and you authorise Reflection on the Murray to make such copies and amendments of the Content as Reflection on the Murray deems to be necessary at its sole and absolute discretion, in order to facilitate the posting and storage of the Content on the Website. You are responsible for any Content you post on the Website.

2. You represent and warrant that you will not upload or otherwise provide any Content (including links to other websites or images), or engage in any behaviour, which:

2.1. is inappropriate, inaccurate, profane, defamatory, fraudulent, unlawful, threatening, inflammatory, inciting hatred, intimidating, harassing, harmful, hateful, abusive, tortious, vulgar, obscene, invasive of another’s privacy, sexist, racist, homophobic, violent, or degrading;

2.2. infringes the intellectual, moral or other proprietary interests of third parties;

2.3. impersonates another person or entity, attempts to solicit personal information from another user, includes material which contains commercial advertising otherwise promoting yourself, your website or your products, contains sexually explicit language or images, advertises or promotes the sale of products or services such as firearms, tobacco or alcohol, adult products and services and any other products or services Reflection on the Murray considers to be inappropriate;

2.4. contains spam, chain letters, pyramid and other such selling and marketing schemes, computer viruses, computer code, files or programs or other harmful components that are designed to interrupt, destroy, change or limit the functionality of the Website or any other computer software, hardware or other electronic equipment, information which in any way impinges on another user’s use or enjoyment of the Website or otherwise breaches or encourages other users to breach these terms of use;

2.5. violates any law, statute or regulation;

2.6. forges information to disguise the origin of any Content; and

2.7. encourages or incites any other person to engage in any of the above behaviour.

3. You agree to grant Reflection on the Murray a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise the copyright you have in any Content, in all media now known or not currently known. You also agree to waive any moral rights or similar rights you may have or may acquire in the future in that Content in Reflection on the Murray’s favour.

4. Reflection on the Murray does not monitor the Content posted on the Website. However, if you find any Content that breaches these Terms, please contact Reflection on the Murray, who will then make a decision in relation to whether or not the Content is to be removed.

5. You agree that you will not use the Website to:

5.1. harvest or collect email addresses or other contact information from other users;

5.2. threaten or harass anyone;

5.3. invade anyone’s privacy;

5.4. disrupt other users’ enjoyment of the Website;

5.5. post personal details or private information about any other person (or anything contrary to Reflection on the Murray’s privacy policy); or

5.6. in any unlawful manner or in any other manner that could damage, overburden or impair the Website.

6. In the event that it is discovered that you have breached these Terms, you understand that Reflection on the Murray may, without limiting its other rights and remedies available at law:

6.1. suspend or terminate your access to the Website; or

6.2. in the event that such breach is illegal, notify the proper authorities and make available to them any Content provided by you.


1. You must not establish links on any other website to the Website or any other part or parts of the Website without the prior written consent of Reflection on the Murray.

2. The Website may contain a link to a content provider’s website (Third Party Website). In the event that you enter a Third Party Website via the Website, you immediately become subject to that Third Party Website’s privacy policies and any other terms and conditions contained therein. The linking to a Third Party Website from the Website does not constitute endorsement by Reflection on the Murray of any material set out in the Third Party Website, or any associated organisation, product or service


1. You agree to comply with Reflection on the Murray’s privacy policy, guidelines and statements as may be applicable from time to time. A copy of this policy is available upon request.


1. Unless indicated otherwise, all intellectual property in the information, text, material, graphics, software, advertisements and other material on the Website is owned or licensed by Reflection on the Murray Subject to these conditions of use, Reflection on the Murray grants to you a non-exclusive and non-transferable limited licence to view, download and use information directly accessible through the Website, in accordance with these Terms.

2. You agree that, subject to your use of the Website in accordance with the limited licence granted to you, you will not infringe Reflection on the Murray’s intellectual property in the Website and will not modify, copy, reproduce, upload to a third party, post, transmit, republish, frame, distribute or communicate any part of the Website or any information or Content contained in it or otherwise use the Website in a way which will infringe Reflection on the Murrays intellectual property or other rights.

3. Any trademarks displayed on the Website belong to their respective owners and nothing in this Agreement or contained in the Website is to be construed as granting any licence or right of use of any trademark displayed on the Website without the express prior written approval of Reflection on the Murray or the owner of the trademark.


1. Except as provided by law, the Website is provided “as is” and without any warranty or condition, express or implied.

2. Reflection on the Murray does not warrant that the information contained in or accessible through the Website is accurate, suitable for your purposes or without errors, omissions or viruses Reflection on the Murray does not guarantee continuous, uninterrupted or secure access to the Website. You acknowledge that access and use of the Website (including the software operating in connection with the Website) may be interfered with by numerous factors outside of Reflection on the Murray’s control. Reflection on the Murray does not warrant the accuracy of any advice, opinion, statement, representation or other information displayed on or accessible through the Website. Nothing on this website constitutes legal advice or any other kind of advice of any kind.

3. Subject to the provisions of the Trade Practices Act 1974, Reflection on the Murray makes no representations or warranties in respect of the information and materials available on the Website or the means of accessing that information and material (including the software operating in connection with the Website). Reflection on the Murray makes no warranty or representation and accepts no responsibility for any websites operated or controlled by entities other than Reflection on the Murray which are or may become linked or framed to or from the Website.

4. Notwithstanding any confirmation by a content provider to the contrary, Reflection on the Murray does not warrant or represent that any information contained in or accessible through the Website is accurate and/or current. You should make your own enquiries before entering into any transaction based on the content contained on the Website.


1. You agree that Reflection on the Murray is not liable to you or anyone else for any loss or damage (including, without limitation, any direct, indirect, punitive, special or consequential loss) arising as a result of breach of these terms, in tort (including negligence) or otherwise arising out of, or in connection, with:

1.1. the use of the Website;

1.2. the use by Reflection on the Murray of information provided by you to Reflection on the Murray through the Website;

1.3. being unable to access the Website for whatever reason and however arising, including (without limitation) negligence; and

1.4. the use of your Website password by you or any third party to whom you have made the password available.

2. Reflection on the Murray expressly limits its liability for breach of a condition or warranty implied by virtue of any legislation to the following remedies (the choice of which is to be at Reflection on the Murrays sole discretion):

2.1. in the case of goods, any one or more of the following:

  • the replacement of the goods or supply of equivalent goods;
  • the repair of the goods;
  • the payment of the costs of replacing the goods or of acquiring equivalent goods; or
  • the payment of the costs of having the goods repaired; and

2.2. in the case of services:

  • the supply of the services again; or
  • the payment of the cost of having the services supplied again.

3. You indemnify Reflection on the Murray against any action, liability, claim, loss, damage, proceeding, expense (including legal costs) suffered or incurred by us, arising from, or which is directly or indirectly, related to:

3.1. your breach or non-observance of any clause of these Terms; or

3.2. any breach or inaccuracy in any representations or warranties made to Reflection on the Murray.


1. If you breach any provision of these Terms, Reflection on the Murray may immediately issue a warning, temporarily suspend or permanently prevent your access to all or certain parts of the Website.


1. In certain cases, Reflection on the Murray may have a relationship with a third party whose website is linked to this Website. They may pay us either a commission or a referral fee where you buy products from them based on a percentage of the gross payment received by that third party from you. The commission and referral fees are normally payable by those third parties on a monthly or quarterly basis, in arrears.


1. These Terms are to be governed by the laws of the State of New South Wales, Australia. By accessing or otherwise using this Website, you agree to submit to the non-exclusive jurisdiction of the courts of New South Wales. Reflection on the Murray has designed the Website for use only within the Commonwealth of Australia and makes no warranties or representations with regard to use by persons accessing, downloading or otherwise using the Website outside the Commonwealth of Australia. The Website is available only to people in Australia who can form legally binding contracts under applicable law.