InvestorOne Pty Ltd ("InvestorOne") makes available for your use on this website (the "Site") information, documents and products (collectively, the "Materials"), subject to the terms and conditions set out in this document (the "Terms & Conditions"). By accessing or using this Site, including any of the services we provide ("Services"), you agree to these Terms & Conditions. InvestorOne may change these Terms & Conditions from time to time at its sole discretion. Your use of the Site will be subject to the most current version of the Terms & Conditions posted on the Site at the time of such use. In addition, the use of particular Materials or Services may be subject to any additional posted guidelines or rules applicable to such Materials or Services in addition to these Terms & Conditions. All such guidelines or rules are hereby incorporated by reference into these Terms & Conditions. If you breach any of these Terms & Conditions, your authorisation to use this Sit automatically terminates.

Use of Site Information

Except as otherwise indicated elsewhere on this Site, you may view, download and print the Material on this Site subject to the following conditions:

• The Material may not be modified or altered in any way;
• The Material may not be distributed;
• You may not remove any copyright or other proprietary notices contained in the Material;
• InvestorOne reserves the right to revoke the authorisation to view, download and print the Material at any time, and any such use shall be discontinued immediately upon written notice from InvestorOne; and
• The rights granted to you constitute a licence and not a transfer of title.

The rights specified above to view, download and print the Material are not applicable to the design or layout of this Site. Elements of this Site are protected by trade and other laws and may not be copied or imitated in whole or in part.

Licence for User Content

Certain Materials and Services offered on this Site accommodate or require user-supplied information, materials or communications (collectively, 'User Content'). By submitting User Content to this Site, such as comments to the Members Forum or product suggestions, you grant InvestorOne an unrestricted, worldwide, irrevocable licence to use, reproduce, display, perform, modify, transmit and distribute such User Content, and you also agree that InvestorOne is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name nor that of any other party or otherwise publicise the fact that you submitted such User Content to us unless: (a) you grant us permission to do so; (b) we first notify you that the User Content you submit to a particular part of the Site will be published or otherwise used with your name or that of another party on it; or (c) we are required to do so by law.

Governing Law and Jurisdiction

This Site (excluding linked sites) is controlled by InvestorOne from its office within the state of New South Wales, Australia. By accessing this Site, you and InvestorOne agree that all matters relating to your access to, or use of, this Site shall be governed by the statutes and laws of New South Wales and Australia. InvestorOne makes no representation that Materials or Services available on this Site are appropriate or available for use in other locations, and accessing them from jurisdictions where their contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.

Indemnity

You agree to indemnify and hold InvestorOne, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of content you submit, post to or transmit through the Site (including, without limitation, any User Content), your use of the Site, your connection to the Site, your violation of the Terms & Conditions, or your violation of any rights of another person or entity.

Managing User Content and Communications

InvestorOne reserves the right, in its sole discretion, to delete or remove your User Content from the Site and to restrict, suspend or terminate your access to all or part of this Site, at any time for any reason without prior notice or liability.

InvestorOne may establish general practices and limits on the use of any Materials and Services, including, but not limited to, limits on retention time, file size, and storage space for User Content. InvestorOne shall have no liability or responsibility for the deletion or failure to store any information or materials in connection with any Materials and Services.

InvestorOne may, but is not obligated to, monitor or review (i) any areas on the Site where users transmit or post User Content, including but not limited to areas where Materials and Services are available, or the Members Forum, and (ii) the substance of any User Content.

To the maximum extent permitted by law, InvestorOne will have no liability related to User Content arising under the laws of copyright, libel, privacy, obscenity, or otherwise. InvestorOne also disclaims all liability with respect to the misuse, loss, modification, or unavailability of any User Content.

Prohibited Communications

You may only submit to the Site, User Content that is (a) owned by you, (b) submitted with the express permission of the owner, or (c) in the public domain. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other materials that would violate any law or the rights of others, including without limitation, laws against copyright infringement. Violation of these restrictions may result in limitations on access by you to this Site.