Term & Conditions

Terms of Use between Wealth Know How Pty Limited (ABN 30 082 890 462) (referred to in these Terms of Use as the Company, we, our, us or Wealth Know How) and You, the user of this website.

The Terms of Use set out below (the Agreement) governs your use of our website located at www.wealth-knowhow.com (the Website) and form a binding agreement between the Company and you in relation to your use of the Website.

By using the Website, you warrant that you are at least 18 years of age, Australian resident and acknowledge and agree that you have had an opportunity to read and understand all of this Agreement and the Privacy Policy at http://www.wealth-knowhow.com.au/pages/privacy-policy and you agree to be bound by them.  If you have any questions, please contact us at enquire@wealth-knowhow.com.

The Company may, from time to time, update or amend this Agreement in its sole discretion.  You should therefore carefully read this Agreement each time you use the Website.  Any amendments will be posted on the Website and will take effect 14 days after such posting. 

By using the Website you agree that the then current version of this Agreement and the Privacy Policy applies to your use of the Website.  If you do not agree with them, you should not use the Website or register as a user.

General Financial Advice Warning

While all reasonable efforts have been made to ensure that the information and content contained in this Website is accurate and up to date, it is not designed to provide personal financial or investment advice. The information provided does not take into account your particular investment objectives, financial situation or investment needs. Under no circumstances should you act on the basis of any information contained on the Website without seeking appropriate specific advice.

The content presented in this site is limited to "General Advice" and based solely on consideration of the investment merits of the financial product(s) or service(s). It is not a recommendation to purchase, sell or hold the relevant product(s) or service(s), and under no circumstances should you invest in any financial product(s) or service(s) presented on this site without seeking appropriate specific advice. The content on this site is subject to change without notice and the Company assumes no obligation to update content following publication.

The Company is a Corporate Authorised Representative of Australian Financial Services Licence No 434776.  The Company may receives a fee from the Content Providers for content provided on this Website. The Company can be contacted and enquire@wealth-knowhow.com or by mail at PO Box R380 Royal Exchange NSW 1225 or at Level 11, 2 Bulletin Place Sydney NSW 2000

1.            Important terms used in this Agreement
Company Content means all content contained on the Website (including without limitation all software, text, graphics, videos, sounds, scripts, photos, audio-visual material, icons, advertisements, photographs, databases, trade marks and other information and materials) but excludes Third Party Content. Content means both Company Content and Third Party Content. Content Provider means an entity (other than the Company) whose Third Party Content is displayed on the Website. Third Party Content means content created or uploaded to the Website by a party other than the Company, including all software, text, graphics, videos, sounds, scripts, photos, audio-visual material, icons, advertisements, photographs, databases, trade marks and other information and materials created and/or uploaded by such a party.
2.            The Website
2.1          Subject to clause 2.2, we will make the Website available to you on the terms and conditions set out in this Agreement.
2.2          You must use the Website only in accordance with this Agreement.
2.3          You should note that, notwithstanding anything in this Agreement, certain legislation including the Competition and Consumer Act 2010 (Cth), may imply warranties, conditions or guarantees or impose obligations or remedies which cannot be excluded, restricted or modified except to a limited extent.  Such legislation may, for example, impose non-excludable guarantees that goods are of acceptable quality or that services will be rendered with due care and skill (with certain remedies available to consumers for certain breaches of such guarantees).  To the extent that such legislation applies, this Agreement must be read subject to those statutory provisions and nothing in this Agreement is intended to alter or restrict the operation of such provisions.
3.            Third Party Activities
3.1          The Website contains Third Party Content including links to third party websites where content is not controlled by the Company (Linked Sites).
3.2          The Company is a platform provider and Third Party Content (including links to Linked Sites) is placed on the Website by Content Providers.
3.3          The appearance of Third Party Content (including any link to a Linked Site) does not imply the Company's endorsement of that Third Party Content or the Linked Site and the Company has no control over, and is not responsible for, any Linked Site or any Third Party Content.
3.4          You access and use Third Party Content and Linked Sites at your own risk and, to the fullest extent permitted by law, but subject to clauses 2.3 and 9.2 below, the Company disclaims all guarantees and warranties, express and implied, as to the accuracy, value, legality or otherwise of any Third Party Content and any materials or information contained on Linked Sites.
3.5          You should carefully review and comply with the terms of use and privacy policies on all Linked Sites.
3.6          You should carefully review the General Financial Advice Warning above.
4.            Registration
4.1          In order to access some of the functionality of the Website, you may need to register a user account.
4.2          You must ensure that all information that you provide to us as part of your registration is accurate and that you only provide us with information about yourself, and not any other individual.
4.3          You are solely responsible for the use of your user account and must ensure that you keep all passwords secure.  All use of your user account is deemed to be use of the Website by you for the purposes of this Agreement.
5.            Intellectual Property Content Provider
5.1          You may use the Website, including Content, only in the manner permitted by this Agreement.
5.2          All intellectual property rights (including, without limitation, copyright, trademarks, patents, design rights and all other forms of intellectual property rights existing in the world) in the Website, including all Content, are owned by or licensed to the Company.
5.3          Nothing in this Agreement constitutes a transfer of any intellectual property rights.
5.4          You must not do anything which breaches or otherwise interferes with the Company's intellectual property rights or the intellectual property rights of any Content Provider or any of the Company's other third party licensors.
5.5          You must not distribute, reproduce, publish, alter, modify or create derivative works from any Content without the prior written permission of the Company and the relevant Content Provider (if applicable) and you must not exploit any Content for commercial benefit.
6.            Website Access and Availability
6.1          The Company reserves the right to modify, discontinue or disable the Website or any part of the Website (on a permanent or temporary basis) at any time.  The Company will, where reasonably practicable and possible, endeavour to provide you with prior notice of such modifications, discontinuations or disabling by posting such notice on the Website.  However, you accept that it may not always be possible to provide such prior notice.
6.2          If you materially breach the terms of this Agreement, the Company may (at its option, and without limiting the remedies available to it in any way) bar you from accessing the Website on a permanent or temporary basis.  If this occurs, you must not access or use the Website during the period of your suspension.
7.            Website Use
7.1          You must not use the Website to:
(a)           upload or send any content that is, or may be reasonably considered likely to be, material that:
(i)            is false or misleading, abusive, harassing, threatening, defamatory, offensive, humiliating, vulgar, obscene, pornographic, racist, discriminatory or invasive of another's privacy;
(ii)           infringes the intellectual property rights of another party;
(iii)          is not owned by you;
(iv)          might encourage any criminal activity;
(v)           contravenes any applicable laws, regulations, codes or standards;
(vi)          disturbs or damages the Website or its Content;
(vii)         damages the Company or any Content Provider, or their reputation; or
(viii)        otherwise breaches this Agreement;
(b)           transmit any advertising, promotional materials or similar materials without the express written consent of the Company;
(c)           impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity;
(d)           collect any available personal information about an individual other than yourself;
(e)           upload personal information about an individual other than yourself; or
(f)            in a way that is inconsistent with the General Financial Advice Warning.
7.2          You must not violate the security of, or otherwise hack into, the Website, the Company's computer systems or the computer systems of users or Content Providers of the Website.  In this clause hack means any unauthorised access, malicious damage and/or interference and includes, without limitation, spamming, propagating viruses, worms or other types of malicious programs, deliberate attempts to overload a computer system, broadcast attacks or any other method designed to damage or interfere with the operation of a computer system or website.
7.3          Without limiting clauses 7.1 and 7.2 above, you must comply with all applicable laws, regulations, codes or standards when using the Website.
8.            Privacy
8.1          Any personal information collected by the Company through the Website will be handled in accordance with the Privacy Policy, the terms of which are available at http://www.wealth-knowhow.com.au/pages/privacy-policy. 
9.            Liability
9.1          To the fullest extent permitted by law but subject always to clauses 2.3 and 9.2:
(a)           the Website and all Content is provided to you "as is" and on an "as available" basis, without any representation or endorsement and without warranty or guarantee of any kind and the Company excludes all representations, warranties, guarantees, terms and conditions, whether express or implied (and including, without limitation, those implied by statute, custom, law or otherwise) except as expressly set out in this Agreement;
(b)           the information provided on the Website is provided only on the basis set out in the General Financial Advice Warning located at the start of this Agreement and is not designed to provide personal financial or investment advice;
(c)           the Company does not guarantee continuous, uninterrupted or secure access to the Website or that its servers are free of computer viruses, bugs or other harmful components or that defects will be corrected.  As a result, you may at times experience disruption or other difficulties in using the Website.  You should consider the potential for disruption or other difficulties in planning your use of the Website;
(d)           the Company excludes all liability for any damages or loss of any kind (including without limitation direct, indirect, consequential, special, punitive or exemplary damages or any loss of business, interest, goodwill, revenue, profit or loss or corruption of data) arising in connection with your access to, or use of, or inability to use or access the Website or otherwise in connection with:
(i)            your use of, or reliance on, the Website (or any of the Content or Linked Sites) however caused (including, without limitation, damage or loss arising in contract, tort (including, without limitation, negligence) statute or otherwise);
(ii)           any disruption or other difficulties in accessing or using the Website; or
(iii)          the accuracy, timeliness, quality, utility or completeness of the information contained on the Website (or in any of the Content or Linked Sites).
9.2          If the statutory provisions outlined in clause 2.3 apply, notwithstanding any other provision of this Agreement, to the extent that the Company is entitled to do so, the Company limits its liability in respect of any claim under those provisions to (at its option):
(a)           in the case of goods:
(i)            the replacement of the goods or the supply of equivalent goods;
(ii)           the repair of the goods;
(iii)          the payment of the cost of replacing the goods or of acquiring equivalent goods; or
(iv)          the payment of having the goods repaired, and
(b)           in the case of services:
(i)            the supply of the services again; or
(ii)           the payment of the cost of having the services supplied again.
9.3          You agree to fully compensate and hold harmless the Company and its officers, employees agents and Content Providers from and against reasonable liability, loss, damage, costs and expense (including, without limitation, reasonable legal expenses) and penalties suffered or incurred by any of them arising out of:
(a)           your material breach of this Agreement (noting that for the purposes of this clause, any breach of clause 5 or 7 will be deemed material); or
(b)           any act of fraud by or on behalf of you.
9.4          You acknowledge and agree that unauthorised use of the Content by you could cause the Company (or its third party suppliers or licensors including, without limitation, Content Providers) irreparable harm and that, in the event of unauthorised use, the Company is entitled to seek an injunction to prevent such use, in addition to any other remedies available at law or in equity.
10.          General
10.1        We may provide you with notices in connection with this Agreement by posting such notices on the Website, or where we consider it appropriate, by email or mail if you have provided contact details for that purpose.
10.2        This Agreement and any other documents referred to in this Agreement is the entire agreement of the parties about the subject matter of this Agreement and supersedes all other representations, arrangements, understandings or agreements and all other communications.
10.3        If a provision of this Agreement is invalid or unenforceable in a jurisdiction:
(a)           it is to be read down or severed in that jurisdiction to the extent of the invalidity or unenforceability; and
(b)           that fact does not affect the validity or enforceability of that provision in another jurisdiction or the remaining provisions.
10.4        This Agreement is governed by the laws of New South Wales, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of New South Wales and waive, without limitation, any claim or objection based on absence of jurisdiction or inconvenient forum.