Terms & Conditions 

Please read these Terms and Conditions carefully.

This website is owned by Hotspotcentral (Redwerks Pty Ltd ABN 72 148 909 317).  References in this website to “Hotspotcentral","Boomscore","DSR Score","DSR", "Boomtown" “we”, “us” and “our” refer to Redwerks Pty Ltd.  By accessing this website you agree to be subject to the terms and conditions set out in this disclaimer and any other notices or disclaimers contained in this website.

The information contained in this website is believed to be accurate and current at the time of compilation and is provided in good faith. Hotspotcentral does not accept any responsibility arising in any way (including negligence) for errors in or omissions from information contained in this website or for any loss or damage (whether direct, indirect or otherwise) suffered by the recipient of the information contained in this website, or any other person.

General advice only

Any information provided on this website is intended to be general in nature and for education purposes only.  This website contains factual information only that is not based on your personal objectives, financial situation or needs.  A person should not act on this information without first talking to a financial adviser.

The information provided is not personal or comprehensive investment advice and accordingly, should not be relied on as such.

The reports, calculators and tools on this website are provided for your information and to illustrate scenarios. The main objective is for educational purposes and Hotspotcentral has taken all due care in its development. The owner and agents for the owner are unable to accept any liability or responsibility whatsoever for any error or omission or any loss or damage of any kind sustained by any person or entity arising from the use of this information. It is recommended that users always seek independent professional advice relevant to their specific circumstances before acting on the information in those reports, calculator and tools.

All reasonable care has been taken in preparing and designing the reports, calculators and tools; however, Hotspotcentral provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances, nor does it indicate you should follow a particular course of action.

Investment Risks

All investments are subject to investment risks, which could include delays in repayment and loss of capital.  Significant risks are outlined in the relevant offer documents.

Future Results

This website may contain statements which are based on current expectations of future events.  Such statements are based on views held only at the date of publication of the material and are not guarantees of future performance, results or events.  Actual results may differ from those expressed or implied in such statements. Hotspotcentral gives no representation or warranty as to the completeness or reliability of any statements of future results.

Website links

This website provides links to other websites operated by third parties. Hotspotcentral is not affiliated with those websites in any way and does not endorse, control or maintain responsibility for the content of those linked websites.

Unauthorised Use

Unless otherwise specified, all materials on this website are the property of Hotspotcentral. No material published by Hotspotcentral may be copied, reproduced, modified, republished, uploaded, transmitted or distributed without prior written permission from us.  Unauthorised use of this website may give rise to a claim for damages and/or may violate copyright, trademark and other similar laws.


We reserve the right at any time and from time to time to remove, delete, alter, update or amend the website. In particular, if we believe the website requires technical updates, to be inappropriate, potentially breach regulations, receive complaints or, for any other reason, and in our reasonable discretion, we may remove or modify the website at any time without notice. We will endeavour to highlight any significant or substantive changes where possible.

We shall not be liable to you or any third party for any when it is required. If you choose to use our website, then we will regard that use as conclusive evidence of your agreement and acceptance that these Terms govern your and our rights and obligations to each other.



At Hotspotcentral we understand your concerns about privacy and the security of your personal information. Your privacy is important to us and we are bound by the Privacy Act 1998 (Cth) and the Australian Privacy Principles (“APPS”). We are committed to protecting the personal information that we hold about you.

This Privacy Statement applies to information collected by Hotspotcentral and it outlines how we manage your personal information and safeguard your privacy.

What personal information is collected?

We only collect personal information that is reasonably necessary for us to perform our functions. This may include:

  • information you give us when you request a product or service from us.
  • financial information about you such as your financial position and information obtained from credit checks if you have authorised us to carry out those checks;
  • communications between us and other professionals that you have authorised, such as your financial adviser or mortgage broker;
  • transactional information about the use of a product if you have or had a product with us.

How personal information is collected?

We collect your personal information in a number of ways including: directly from you, such as when you provide the information by phone, email or in an application form; and/or

Use of your personal information

Your personal information may be used by in a number of ways including but not limited to:

  • to verify your identity or transactions which you may enter into with us;
  • to provide the product and services that you request;
  • to administer and manage the provision of our products and services;
  • to respond to queries or complaints;
  • to comply with laws and regulatory requirements including complying with any request made by a governmental authority in connection with legal proceedings or the prevention or detection of fraud and crime;
  • to comply with our risk management policies and procedures; or
  • to train our staff.

We may use your personal information for additional purposes related to the purposes listed above. We will not use your personal information other than for:

  • a purpose made known to you;
  • a purpose you would reasonably expect;
  • a purpose required or permitted by law; or
  • a purpose otherwise authorised by you.

Third party access to personal information

We may contract out some of our functions such as mailing, settlement services or identification verification to external service providers from time to time.

Only in those instances will we disclose relevant personal information to those providers.

We may also disclose your information to companies within the group so that products and services may be offered. Where we have obtained your approval to conduct credit checks, we may obtain personal information from or disclose personal information to credit reporting agencies.

Access to your personal information

You may request access to the personal information that we hold about you or request correction to personal information that we hold. Subject to the limited circumstances set out below, we will endeavour to process your request in a reasonable time. In order for us to process your request we will need to verify your identity and, in some circumstances, we may need to charge an administrative fee, of which we will inform you in advance.

In the event that we refuse you access to your personal information, we will provide you with an explanation for that refusal. These reasons may include:

  • an unreasonable impact on the privacy of other individuals;
  • the information relates to legal proceedings between Hotspotcentral and you;
  • the information would reveal sensitive corporate decision-making process; or
  • we are prevented by law from disclosing the information or providing access.

Storage and security of information

Hotspotcentral stores personal information in a combination of computer storage facilities, paper-based files and other records. We will take reasonable steps to protect personal information from loss, misuse, unauthorised access, modification or disclosure.

Use of our web site

We will collect some information from you when you visit the Hotspotcentral website. Your use of the facilities and services available through the website will determine the amount and type of information that we will collect about you. Some of this information will not be personal information because it will not reveal your identity.

The only personal information which we collect about you when you use the website is what you tell us about yourself; for example, by completing an online form such as an application form or by asking for a disclosure document for our products or by sending us an email. We will record your email address if you send us an email.


When you visit the website, our server places small pieces of data known as ‘cookies’ on your hard drive. Cookies are pieces of information that are transferred to your computer when you visit a website for record-keeping purposes. Most Web browsers are set to accept cookies. However, if you do not wish to receive any “cookies” you may set your Web browser to refuse cookies. We may use cookies to provide us with aggregate (anonymous) information on how people use our website and to help us know what our customers find interesting and useful in our website. We do not link this information back to other information that you have provided to us.

Changes to our Privacy Policy

Hotspotcentral may make changes to this Privacy Statement from time to time for any reason and will make concerted efforts to update the website in a timely manner.

If you would like more information about how we manage your personal information, please contact us on

1300 200 340, or write to us at the following address:

Redwerks Pty Ltd

PO Box 356

West Burleigh

QLD 4219


If you have concerns about any breach or potential breach of your privacy, please contact us and we will make every effort to resolve your complaint: smile@hotspotcentral.com.au