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Financial Services Reform Act (FSRA)
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The Conditions of Use for our Account and Access Facility contains important information about the terms and conditions, fees & charges and transaction limits that apply to all our savings and investment accounts or access facilities.
You should read and retain these documents before taking out any of our financial products or services.
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Conditions of Use
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 Conditions of use
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Summary of Accounts & Availability of Access Facilities
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Financial Services Guide
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Fees & Charges and Transaction Limits
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Credit Card
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Credit Card Terms and Conditions
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Cash Rewards Terms and Conditions
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Mutual Banking Code of Practice
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Mutual Banking Code of Practice
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Dispute Resolution
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Do you have a complaint?
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The Directors, Managers and staff of Big Sky understand that although we do our best to provide a high level of service, you may at times feel that there are issues that have not been resolved to your satisfaction. We will address your concerns as quickly as possible and within our Complaints & Handling Disputes Policy.
You may contact Big Sky by a number of methods to undertake the complaints and disputes process, which is explained in our:
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Complaints Handling and Disputes Resolution Guide
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External dispute resolution provider
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If you are not satisfied with how Big Sky responds to your complaint or dispute you may refer the matter to our External Dispute Resolution provider. Big Sky is a member of the Financial Ombudsman Service (FOS). The Big Sky Complaints Handling & Disputes Resolution Guide within the link above has information regarding FOS and their contact details.
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Financial Hardship
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Financial Hardship Assistance Guide
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Application for Variation of Contract Due to Financial Hardship
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Privacy
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Big Sky is committed to protecting your privacy. On 21 December 2001, amendments to the Commonwealth Privacy Act came into force. Broadly speaking, these laws affect information privacy and relate to the collection, storage, use and disclosure of personal information about individuals.
Big Sky has always ensured that member information is maintained with the utmost confidentiality.
Download a copy of the:
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Big Sky Privacy Policy
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Disclaimer
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The information contained in the Big Sky web site is of a general nature and should be used for reference only. While every effort is made to keep this site accurate and current, Big Sky reserves the right to change the information without notice and makes no guarantee as to the accuracy and currency of the interest rates or other product information. Details of current terms and conditions and fees and charges are available from Big Sky.
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Loan repayment calculator
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Information provided by the Borrowing Power Calculator should be used as a guide only. The information is not a quotation and is not binding in any way. The calculator does not pre-qualify you for a loan - all loan applications are subject to Big Sky's loan assessment criteria. Actual repayments and interest calculations will vary based on the details of your loan application.
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Links to other web sites
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The Big Sky web site may contain links to other web sites operated by third parties. Big Sky does not endorse or approve the information contained in these party web sites, nor does it make warranties or representations of the products or services of these third parties.
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Viruses
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Big Sky does not warrant that its web site or the web sites of any third parties linked to this web site will be free from viruses.
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Liability
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Big Sky accepts no responsibility for any loss, cost or expense arising from use of information in this site.
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Copyright
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Information on this web site (including source code) is the property of Big Sky and is subject to copyright. Unauthorised use of the information is not permitted.
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