Financial Standard Terms & Conditions
MANAGING YOUR SUBSCRIPTION
When registering as a subscriber, you must provide us with accurate, complete and up-to-date information, as requested. We may at any time request a form of identification to verify your identity.
PROCESSING AND PAYMENT
It is your responsibility to provide valid payment details. Financial Standard will process your digital subscription purchase as promptly as possible. Please allow 14 days for delivery of the paper to commence. You should consult your accountant about your eligibility to claim your subscription as a tax deduction.
The costs of all subscription are made clear during the order process. You agree to pay the cost stated at the time of your order. All costs are in Australian Dollars (AUD).
a. You must call or email Financial Standard Client Services to cancel your subscription. You may notify us of your intent to cancel at any time, but the cancellation will not become effective until the end of your current billing period. You will continue to have the same access and benefits until the end of your current billing period. All prior charges are non-refundable
A cancellation fee may apply to Upfront Subscriptions cancelled prior to expiry of the applicable term. This is due to administrative costs incurred in processing a cancellation. A $25 cancellation fee may apply to any subscription of 4 days or less per week. A $50 cancellation fee may apply to a subscription of 5 days or more per week. A pro-rata refund of the balance of the term of your Upfront Subscription will be provided, less the cancellation fee, except in the following cases:
b. Financial Standard reserves the right to suspend or cancel your subscription at any time in its absolute discretion. In the event that Financial Standard cancels your subscription, you will receive a pro-rata refund for the balance of the term on your Upfront Subscription.
Unless otherwise provided for in these Terms and Conditions, all charges billed are non-refundable.
FINANCIAL STANDARD HAS THE RIGHT TO CHANGE DIGITAL PRODUCTS
Financial Standard reserves the right to modify the content, inclusions, features and structure of any digital product at any time. In the event your subscription package will be affected by a change, you will be given 14 days' prior notice of the change.
Financial Standard does not guarantee that our digital products will be available without interruption at all times. In the event of a problem or interruption, Financial Standard will endeavour to restore the full availability of our affected products.
Financial Standard is not liable for any loss or damage that may arise as a result of any error by you or incorrect information supplied by you.
OUR CONTACT DETAILS
To contact the Financial Standard Subscription Service about your subscription or to find out more information:
Financial Standard Subscriptions Department
In these terms, "Rainmaker", "we", "us" and "our" means Rainmaker Information Pty Limited (ABN 86 095 610 996) and Financial Standard Pty Limited (ABN 57 604 552 874), of Level 7, 55 Clarence Street, Sydney, New South Wales, Australia. Please read these terms carefully as they apply to your use of this website and all of its contents, and also apply to any associated services, products, software provided by us (the "Website"). By accessing or using the Website you agree to be bound by these terms. We may revise these terms from time to time by updating this post. The revised terms will take effect from the date of posting.
LICENCE TO USE CONTENT ON THE WEBSITE
You acknowledge that the Website, the content posted on the Website by us and our users, and the underlying software and technologies used to operate the Website, are all subject to copyright, trademark and other intellectual property rights (collectively, "Intellectual Property Rights").
We grant you a limited, non-transferable licence to access and use the Website solely for your personal, non-commercial purposes.
We (or our licensors) retain all right, title, and interest in and to the Website, and nothing you do on or in relation to the Website will transfer any Intellectual Property Rights to you or, except for the licence referred to above, authorise you to exercise any Intellectual Property Rights unless we expressly agree otherwise.
Except as provided in these terms, permission to reprint or electronically reproduce the Website or any of its contents, in whole or in part, whether by automated or manual means (including through the use of any so-called robot, spider, scraper or similar technology) is prohibited, unless prior written consent is obtained from us.
We may revoke the permissions referred to above at any time and may suspend or deny, in our sole discretion, your access to all or any portion of the Website without notice.
SOCIAL SIGN IN AND MEMBERSHIP
In order to access certain features on the Website, you may need to do any or all of the following:
Your use of social sign in is subject to the terms and conditions of your account with the third party social media service provider in addition to these terms.
In order to register as a member, you must provide us with accurate and up to date registration information. You may wish to nominate a member user name which is different to your real name. However, you must not impersonate the identity of someone else or use a vulgar or offensive member name. In some instances we may require you to provide your real name or other identifying information..
Except where expressly specified, the content on the Website is provided for your information only. It is not intended as advice and you should not rely upon it as such. You should verify any important information we provide (such as information about finances and travel) and seek independent advice prior to making any decisions.
CONTENT YOU SUBMIT VIA THE WEBSITE
Where requested, we encourage you to contribute to the Website by submitting comments, participating in the Website discussion forums and quizzes and, where appropriate, uploading information and photos (collectively, "Submissions").
You retain copyright and any other rights you already hold in any Submissions. By submitting, posting or displaying the Submissions, you give us a perpetual, irrevocable, worldwide, royalty-free and non-exclusive licence to reproduce, adapt, modify, translate, publish, publicly perform, publicly display and distribute the Submissions in any form.
You warrant to us that you have all the rights, power and authority necessary to grant the licence of your Submissions above, and that our use of your Submissions in accordance with these terms will not infringe the rights (including Intellectual Property Rights) of any person or entity or breach any applicable law.
You must not submit, post, display or otherwise contribute to the Website any of the following:
You understand that by using the Website, you may be exposed to Submissions that you find offensive, indecent or objectionable, and that, in this respect, you use the Website at your own risk. We reserve the right in our sole discretion and for any reason to pre-screen, review, flag, filter, modify, refuse or remove any or all Submissions from the Website, but we have no obligation to do so, and we will not be responsible or liable for any of the Submissions.
You must abide by any community guidelines which may be posted on the Website by us.
You acknowledge that each user of the Website is responsible for their own Submissions, and as a result, we have no control over the truth, accuracy or completeness of the Submissions.
LINKING TO THIS WEBSITE
We encourage you to provide links to this Website. While you may use the name of the Website in the text of any such link, you may not use any of our logos or trademarks without our prior written consent.
You must not frame this Website or represent or imply that any part of the Website belongs to anyone other than us.
If we notify you that we object to the manner in which you provide links to this Website, you must immediately cease providing such links.
In using the Website, you must not:
WARRENTIES AND INDEMNITY
You may have rights under statutory consumer protection laws, including the Competition and Consumer Act 2010 (Cth), which cannot be excluded, restricted, limited or modified. The following exclusions of warranties, and the limitations of liability below, apply subject to any rights you may have under such laws.
You expressly acknowledge and agree that your access to and use of the website is at your sole risk and the website is provided "as is" and "as available". In particular, we do not represent or warrant to you that:
Without limiting the foregoing, and to the extent permitted by law, all express or implied representations, conditions, warranties, guarantees or other provisions that are not contained in the terms (whether based in legislation, the common law or otherwise) are excluded, including any representations, conditions, warranties or guarantees as to acceptable quality, fitness for purpose, timeliness or non-infringement of third party rights.
If any condition, warranty, guarantee or other provision is implied or imposed in relation to the legal agreement between you and us (whether based in legislation, the common law or otherwise) and cannot be excluded (a "Non-Excludable Term"), and we are able to limit your remedy for a breach of such a Non-Excludable Term, then our liability for such a breach of the Non-Excludable Term is limited to one or more of the following at our option:
Subject to our obligations under the non-excludable terms, our maximum aggregate liability for all claims arising under or in relation to these terms or otherwise as a result of your access to and use of the website is limited to $100. Our liability to you will also be diminished to the extent that your acts or omissions (or those of a third party) contribute to or cause the loss or liability.
Subject to our obligations under the non-excludable terms and to the maximum extent permitted by law, in no event are we liable under or in relation to these terms or otherwise as a result of your access to and use of the website for any indirect, special, consequential, incidental or punitive loss or damage or for any loss of goodwill, opportunities, anticipated savings, profits, revenue or bargain.
The limitations and exclusions above apply regardless of whether the liability arises in contract, tort (including negligence), in equity, under statute, under an indemnity or on any other basis.
You must indemnify, defend and hold harmless us and our affiliates, and their respective directors, officers, employees, agents and contractors, from and against any loss, damage, liability, cost or expense (including legal fees on a solicitor-client basis) suffered or incurred in connection with a claim brought against any of them, to the extent that such third party claim arises out of your breach of any obligation or warranty in these terms, your breach of or failure to comply with any laws or your misuse or infringement of any rights (including Intellectual Property Rights) of a third party.
We cannot be responsible for any loss, corruption or interception of data sent to or from the Website that occurs outside of our computer systems (such as those which occur while data is being sent over the internet). We recommend that you install and use up-to-date anti-virus and firewall software on your computer.
VARIATION OF THE WEBSITE
We may from time to time and without notice, vary, modify or discontinue, temporarily or permanently, any or all of the Website.
LINKS AND ADVERTISEMENTS
If any part of these terms is:
and the remainder will remain in full force and effect. These terms are governed by the laws of New South Wales, Australia, and you irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia.
These terms constitute the entire agreement between us and you in relation to the Website and supersede all other (prior or contemporaneous) communications or displays whether electronic, oral or written, between us and you in relation to the Website.
Your use of the Website is conducted electronically and we may communicate with you electronically for all aspects of your use of the Website, including sending you electronic notices.
The word "including" when used in these terms is not a term of limitation.
Infographic: When it comes to gold ETF's, a trusted issuer matters.
INTEGRATED PORTFOLIO SOLUTIONS PTY LTD