The iPartners Holdings Pty Ltd (ACN 646 618 206) (iPartners) terms and conditions set out below (the Terms and Conditions) govern your use of:
the iPlatforms website located at ipartners.com.au (the Website)
the iPlatforms Online Investment Platform (OIP) hosted on the Website,
any investment offered on the OIP (a Fund).
The Terms and Conditions form a binding agreement between iPartners and you in relation to same.
The terms "we", "us" or "our" refer to iPartners and/or its related bodies corporate, in their personal capacity or, if applicable, as the trustee or manager of a Fund, either collectively or individually, as the context requires.
Please read the Terms and Conditions carefully before using the Website, signing up to the OIP or investing in a Fund. If you have any questions, please contact us. By using the Website, you acknowledge and agree that you have read and understand all of the Terms and Conditions, the Privacy Policy at www.iplatforms.com.au/privacy and any other documents referenced in these terms and conditions and that you agree to be bound by them. If you do not agree with the terms set out in the Terms and Conditions or the Privacy Policy, you should not access or use the Website, sign up to the OIP or invest in a Fund, and refrain from using any services offered by us.
iPartners may, from time to time, amend the Terms and Conditions (or any other documents referenced in these terms and conditions). Any such amendments will be posted on the Website and will take effect immediately after such posting. If you do not accept such amendments to the Terms and Conditions, you must stop using the Website and the OIP and refrain from using any services offered by us. By using the Website, the OIP and by investing in a Fund, you agree that the then-current version of the Terms and Conditions (including any amendments effective at that time) applies to you.
iPartners reserves the right to modify, discontinue or disable the Website or the OIP or any part of them (on a permanent or temporary basis) at any time. While iPartners will, where reasonably practicable and possible, endeavour to provide you with prior notice of such modifications, discontinuations or disabling, you agree and accept that it may not always be possible to provide you with such prior notification and that in such circumstances we are not liable to you for any resulting loss.
iPartners may assign its obligations under the Terms and Conditions provided that the relevant assignee undertakes to perform all of iPartners' obligations in these terms and conditions.
Electronic communications
To the extent possible we choose to carry out transactions by means of electronic communication in accordance with the Electronic Transactions Act 1999 (Cth) and any regulations. You consent to using electronic means to form, or agree, or agree to, or bind you to, legal obligations in relation to the OIP, this Website and any relevant Fund (as applicable). Therefore, where you indicate through electronic means your agreement to, or acceptance of, terms and conditions, offers and other documents, you will be taken to have agreed to, or signed them.
Where we are required, by law or otherwise, to provide you with any documentation, you consent to the provision of that document electronically through the links on this Website or any other electronic means we choose to use. You must regularly check your email, the Website and the OIP for any documents. You may withdraw your consent to the giving of documents by electronic communication at any time by emailing us at admin@ipartners.com.au. We suggest that you print a copy of important documents, or file them electronically, for future reference.
The OIP
These Terms and Conditions constitute an agreement by iPartners and its related bodies corporate (together referred to as iPartners in these Terms and Conditions) to provide the OIP to you. Access to certain features and content on the Website require you to be signed up to the OIP.
iPartners will only provide the OIP to users who meet its eligibility criteria (refer to "Eligibility" below in these Terms and Conditions). Investment in a Fund is only available to you once you have successfully signed up to the OIP.
Please be aware that whilst iPartners and its associates will not be bound to provide you with services prior to you signing up to the OIP, your use of the Website prior to that point (e.g. any browsing activity of the publicly accessible portions of the Website) will remain subject to these Terms and Conditions. For the sake of clarity, we note that successful access to the OIP does not guarantee your investment in a Fund will be accepted.
Funds
The Funds invest in a range of assets and may invest through interposed unit trusts or other structures. Each Fund may have a separate investment strategy. You can select which Fund you would like to invest in by clicking on the appropriate links on the website. Each Fund will have a term sheet and that term sheet will contain specific terms applicable to the relevant Fund. Further reference material may also be hosted on the OIP.
Investments on the OIP
The terms of your investment in any Fund on the OIP are governed by:
these Terms and Conditions;
the term sheet for the relevant Fund or Series;
the application form or other subscription document (if applicable) for the relevant Fund or Series (the Application Materials); and
the trust deed, limited partnership deed or other governing document for the relevant Fund (the Constituent Document), (together the Fund Documents).
The Fund Documents must be read carefully before you make a decision to invest. Copies of the Fund Documents will be made available on the Website or on request. It is only after the point in time when you agree to the Application Materials, cleared funds and any relevant supporting documents are received by the issuer of the relevant Fund (the Trustee), and the Trustee, in its absolute discretion, accepts your offer to invest, that the Trustee will issue interests (being units, partnership interests or other interests in the Fund (as the case may be)) in that Fund to you. If the Trustee rejects your offer to invest, your application will be returned to you without interest. Any investment in a Fund is subject to allocation which means that the Trustee reserves the right to return your funds or a portion of your funds. For specific details on your investment in a Fund and fees associated with your investment, refer to the term sheet for the relevant Fund or Series. Any investment in a Fund is subject to the eligibility criteria (refer to "Eligibility" below in these Terms and Conditions). Following investment, the Trustee will provide you an electronic confirmation of your capital commitment to the Fund. By clicking "I agree", you agree to be bound by the Fund Documents and meet all obligations in those documents in a timely manner.
If there is any conflict or inconsistency between the provisions of the term sheet, the Constituent Document and these Terms and Conditions, the terms of the Constituent Document will prevail to the extent of the conflict or inconsistency.
By investing in a Fund on the OIP, you agree and acknowledge that:
you will only obtain exposure to the investments held by the relevant Fund;
the Trustee may act in the acquisition and disposal of any asset held by a Fund on behalf of other persons.
you authorise the Trustee to deal with any asset and any other funds it manages as an undivided whole, to the extent necessary for the efficient management or administration of the asset, subject to the Trustee maintaining systems and records that distinguish the asset from the property of any other person.
the Trustee may issue, buy, sell and otherwise deal in assets of a Fund as trustee or on its own behalf, and may be paid commissions or other payments in respect of such assets. Such dealings may affect the value of the asset that underlies the relevant Fund. You acknowledge that the Trustee may have a conflict of interest in these circumstances and accept that the Trustee will avoid conflicts where possible and will otherwise manage them appropriately as required by law.
you undertake that your investment is not being made with funds that are the proceeds of crime, money laundering or any other fraudulent activity.
iPartners and its associates reserve the right to reject your application for the OIP in our sole discretion without having to give any reason.
the Trustee reserves the right to reject your application for any investment in a Fund in its sole discretion without having to give any reason.
you must pay all amounts due in relation to any investment in a Fund (including any fees if applicable) by the due date.
the Trustee’s liability is limited to the assets held in the relevant Fund only.
any payments owing to us must be paid by BPAY, direct credit or direct debit.
you are a Wholesale Client (as defined in the Corporations Act 2001 (Cth) (Corporations Act)).
in respect of an investment in a Fund or Series:
the investment is speculative and subject to material risk including loss of all invested capital;
the investment may be illiquid – redemptions from a Fund or Series may not be permitted under the Fund Documents and there may be no established secondary market for units or other interests in the Fund in a particular Fund or Series;
there can be no expectation of returns other than through the distribution of proceeds (if any) from the realisation of portfolio investments and you have taken this into account before deciding to invest.
you have relied in every respect on your own independent investigation, enquiries and appraisals in deciding to invest and you have had the opportunity to obtain independent financial, taxation, legal, and investment professional advice.
neither iPartners nor any of its associates or their officers, directors, employees, advisers, nor Trustee, general partner or the manager of any Fund (Manager) or their officers, directors, employees, advisers or associates have provided any financial product advice in connection with any Fund or made any representations or warranties in connection with a Fund or the performance of a Fund or Series (or any investment made by a Fund) other than those (if any) contained in the Fund Documents; and
you have not relied or acted on the contents of any representation (including investor presentation), statement, warranty, promise, undertaking, agreement or other information, whether made expressly or implied, by any Relevant Person or purported to have been given on behalf of the Trustee, general partner or Manager, except as expressly set forth (if at all) in the Fund Documents. You understand that no person has been authorised by iPartners, its associates or the Trustee, general partner or Manager to furnish any such representations or other information.
The secondary market
To the extent permitted in the Fund Documents in respect of the relevant Fund or Series, you may give us an order to buy or sell your units or other interest in the Fund by clicking the "Buy" or "Sell" buttons on the Website. In doing so, you agree and acknowledge that:
you must provide us with any information that we reasonably request in order to place your order on the Website;
you must ensure the accuracy and completeness for your orders and that we are not responsible for any loss resulting from inaccurate or incomplete orders;
we may act on your orders (including any orders we believe to be from you or a person authorised to place such orders in our absolute discretion);
we can act on incomplete or unclear orders if we reasonably believe we can correct the information without referring to you;
we can act on conflicting orders and determine the order of acting if you place multiple orders with us;
we may not act on any order if we are unable to verify it by contacting you;
we may reject or refuse your order in our sole discretion without any explanation, but that where lawful, we will notify you of the refusal as soon as practicable;
there may be a delay between when we receive your order and when we act on it;
we are not responsible for any delays or errors in the execution of your orders;
we are not responsible for prices quoted on the Website;
we are not responsible for your order being fulfilled once it is placed and in circumstances where your order is not fulfilled, we are not liable to you for any resulting loss;
we will not act on any order until and unless we have received any required cleared funds;
we are not operating a financial market for the purposes of the Corporations Act and accept your sell and buy orders as principal;
you will indemnify us against all costs incurred in relation to your order (unless that cost is incurred as a result of our gross negligence, fraud or wilful misconduct);
you agree and acknowledge that we provide this feature on a reasonable endeavours basis only and have no liability to you whatsoever for your use of this feature, the price you obtain or any loss you may incur; and
you agree and acknowledge that an order is not complete until cleared funds have been received in our account and we have provided you with a final confirmation.
General Advice Only
The Website and the OIP have been prepared by iPartners for general promotional purposes only and do not constitute an offer to sell or solicitation to buy any financial product. While all reasonable efforts have been made to ensure that the information and content contained on the Website and OIP is accurate and up to date, it has been prepared without taking account of your objectives, financial situation or needs. Consequently, before acting on the information on this Website or the OIP, you should consider the appropriateness of the information in view of your own objectives, financial situation and needs.
Neither iPartners nor any of its associates makes any representation or gives any advice in respect of any financial, investment, tax, legal or accounting matters in any jurisdiction including in relation to the suitability of any financial product to investors. Neither iPartners nor
any of its associates, agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits arising in any way from, including but not limited to: (i) the information provided on the Website or the OIP; (ii) the modification or misuse of information on the Website or the OIP; or (iii) claims of third parties in connection with the use of the Website or the OIP.
You must not use the Website or OIP:
to collect any personal information on other individuals or to upload personal information of other individuals, including their names, address, phone number or any other identifying information; or
for any unlawful purpose.
You and your associates must not violate, attempt or procure another person to violate the security of the Website or the OIP. You must not hack into the Website, iPartners or its associate's computer systems or the computer systems of other users of the Website or OIP. "Hacking" means 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.
If you breach the terms of these Terms and Conditions, iPartners or its associates may (in their discretion, and without limiting the remedies available to iPartners or its associates in any way) terminate its agreement with you, terminate your subscription to the OIP or bar you from accessing the Website on a temporary or permanent basis.
Neither iPartners nor its associates takes any responsibility for the accuracy of information contained in the virtual data room.
Eligibility
Unless stated otherwise, the OIP and any investment in a Fund are only available to investors who:
are Australian residents; and
are Wholesale Clients (and in certain circumstances Accredited Investors as defined in the the US Securities Act of 1933 and Qualified Clients as defined in the US Investment Advisers Act of 1940); and
who are fully registered with iPartners.
Usernames and passwords
You can play an important role in keeping your personal information secure by maintaining the confidentiality of any password used on the Website or OIP. Please notify iPartners immediately if there is any unauthorised use of your OIP access by any other internet user or any other breach of security.
You are responsible for the security of your user name and password (or other log-in information) and you take responsibility to ensure the confidentiality of this information.
Intellectual Property Rights
The Website and OIP and all content contained on the Website and OIP (including without limitation all text, graphics, icons, advertisements, photographs, databases, trade marks andother information contained on the Website (other than Third Party Content)) (iPartners Content) and all intellectual property and similar rights that subsist in the Website and iPartners Content are owned and operated by iPartners, or its associates, or its third party licensors and suppliers or clients. Nothing in these Terms and Conditions constitutes a transfer of any intellectual property rights.
Subject to these Terms and Conditions and all applicable laws and regulations, iPartners or its relevant associate grants you a non-exclusive, non-transferable, personal, limited licence to download, access, view, use and display the iPartners Content which iPartners makes available to you from time to time on the terms and conditions set out in these Terms and Conditions.
You must not do anything which breaches or otherwise interferes with iPartners’, or its associates’, intellectual property rights or the intellectual property rights of any of iPartners’ third party licensors. You may not distribute, reproduce, publish, alter, modify or create derivative works from any iPartners Content without the prior written permission of iPartners or the relevant third party licensor or exploit such contents for commercial benefit.
All rights not expressly granted are reserved by iPartners and its associates.
Privacy
By using the Website, you agree to provide true, accurate, current and complete information about yourself, and your accounts maintained at third party websites and you agree to not misrepresent your identity or your account information held with third party account providers. You also represent that, if you are acting on behalf of a company or other body, that you are authorised to provide information about that body to iPartners, that the information you provide is true, accurate, current and complete and that you are authorised to bind that body to these Terms and Conditions and, if applicable, the Fund Documents.
By using, and continuing to use the Website, you authorise iPartners and its service providers (Service Providers) to access third party websites designated by you, on your behalf, to retrieve information requested by you in order to facilitate the provision of services by iPartners. For that sole purpose only, you hereby appoint iPartners and each Service Provider as your agent, with full power of substitution and resubstitution, to access third party websites, servers or documents, retrieve information, and use your information, all as described in this clause, with the full authority to do and perform anything necessary to be done in connection with such activities, as fully to all intents and purposes as you may or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN IPARTNERS OR A SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY WEBSITES, IPARTNERS AND ANY SERVICE PROVIDER ARE ACTING AS YOUR AGENT. You agree
that third party account providers are entitled to rely on the foregoing authorisation and agency granted by you solely for the purpose set out in this clause.
Any personal information collected by iPartners through the Website, or otherwise collected by or on behalf of iPartners, will be dealt with in accordance with the iPartners Privacy Policy.
Third Party Activities
The Website may contain links to third party websites where content is not controlled by iPartners (Linked Sites).
Links to Linked Sites are provided for convenience only. The appearance of a link to a Linked Site does not imply iPartners’s endorsement of that Linked Site or any content created or uploaded by a party other than iPartners, including all text, graphics, icons, advertisements, photographs, databases, trade marks and other information created and/or uploaded by such a party (Third Party Content). iPartners has no control over and is not responsible for any Linked Site or any Third Party Content.
You access Linked Sites at your own risk and, to the full extent permitted by law, iPartners disclaims all guarantees and warranties, express and implied, as to the accuracy, value, legality or otherwise of any materials or information contained on such Linked Sites and in Third Party Content.
Your use of Third Party Content (including, without limitation, that featured on Linked Websites) may be subject to a third party's terms and conditions of use. It is your responsibility to check and comply with such terms.
Liability
To the full extent permitted by law, iPartners and its associates exclude 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 these Terms and Conditions.
To the full extent permitted by law, the Website, the OIP and the iPartners Content is provided to you "as is" and on an "as available" basis, without any representation or endorsement made and without warranty or guarantee of any kind (whether express or implied). This means that iPartners does not guarantee continuous, uninterrupted or secure access to the Website or OIP 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. To the extent permitted by law, iPartners has no liability to you whatsoever for loss or costs of any kind you suffer as a result of or in connection with any disruption or other difficulties in using the Website or OIP.
To the full extent permitted by law, and except were the relevant liability arises from iPartners' unlawful actions, neither iPartners nor any party involved in creating, producing or delivering the Website or OIP accepts any liability for the accuracy, timeliness or completeness of the information contained on the Website (including information included in the virtual data room) or OIP or any responsibility for any errors or omissions in the content on the Website or OIP.
To the full extent permitted by law, and except where the relevant liability arises from iPartners' unlawful actions, iPartners excludes all liability to you for any damages or loss (including without limitation direct, incidental, indirect, consequential, special, punitive or exemplary damages or any loss of business, interest, goodwill, revenue, profit, or loss or corruption of data) arising out of your access to, or use of, or inability to use or access the Website or otherwise in connection with:
your use of, or reliance on, the Website or OIP (or any of the iPartners Content, Linked Site or Third Party Content) however caused (including, without limitation, damage or loss arising in contract, tort (including, without limitation, negligence), statute or otherwise));
the accuracy, timeliness, credibility, quality, utility or completeness of the information contained on the Website or OIP; and/or any errors or omissions in the content on the Website or OIP, whether or not iPartners is aware of such errors or omissions.
Certain legislation including the Australian Consumer Law, may imply warranties or conditions or impose obligations, remedies or guarantees 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, these Terms and Conditions must be read subject to those statutory provisions. If those statutory provisions apply, notwithstanding any other provision of these Terms and Conditions, to the extent that iPartners is entitled to do so, iPartners limits its liability pursuant to such provisions for any goods to the replacement, repair or refund of the cost of goods, or for services, to the re-supply or the payment of the cost of having the services supplied again.
You agree to fully compensate iPartners, its associates and their officers, employees and agents from and against reasonable liability, loss, damage, costs and expense (including, without limitation, reasonable legal expenses on a reasonable basis) and penalties incurred or suffered by any of them arising out of:
your material breach of the Fund Documents (noting that a material breach will include, without limitation, a breach of a representation, obligation or warranty);
any misuse or use of iPartners Content in breach of the Fund Documents; and
any act of fraud or wilful misconduct by or on behalf of you.
The obligations to compensate for losses incurred by iPartners, its associates and their officers, employees and agents in these Terms and Conditions are continuing obligations of the parties, separate and independent from their other obligations and survive termination of these Terms and Conditions and absolute and unconditional and unaffected by anything that might have the effect of prejudicing, releasing, discharging or affecting in any other way the liability of the party that is obliged to provide the compensation.
Anti-Money Laundering
In accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act), we are required to identify, and verify the identity of, new investors (and in certain circumstances, existing investors) in a Fund. In order to do this, we must collect certain information (and documentation) from each investor. If you do not provide this information to us, we will not process your application and in these circumstances, will not be liable to you for any resulting loss. We may be required to collect further information from you in accordance with our ongoing customer due diligence obligations under the AML/CTF Act.
We are obliged under the AML/CTF Act to take and maintain copies of any information/documentation collected from you and, in certain circumstances, may be required to disclose said information to the Australian Transaction Reports and Analysis Centre (AUSTRAC) or other government bodies. We may be prohibited from informing you of such disclosure. Aside from disclosures permitted or required under the AML/CTF Act, we will keep your information confidential in accordance with relevant legislation.
By investing in a Fund, you are acknowledging that we may, in our absolute discretion, not issue units or other interests in the Fund to you, cancel any units or other interests in the Fund previously issued to you, delay, block or freeze any transaction or redeem any units or other interests in the Fund issued to you if we believe it necessary in order to comply with our AML/CTF legislative obligations. In these circumstances, we will not be liable for any resulting loss. It is an offence to provide false or misleading information to us.
FATCA and CRS
Foreign Account Tax Compliance Act (FATCA) is a US law that came into effect on 1 July 2014, which impacts investors worldwide. FATCA attempts to minimise US income tax avoidance by US persons investing in assets outside the US, including through their investments in Foreign Financial Institutions. FATCA requires reporting of US persons’ direct and indirect ownership of non-US accounts and non-US entities to the US Internal Revenue Service (IRS).
The Common Reporting Standard (CRS) is the single global standard for the collection, reporting and exchange of financial account information on foreign tax residents, which came into effect on 1 July 2017. CRS was developed by the OECD (Organisation for Economic Cooperation and Development) and over 100 countries have agreed to share information on tax residents.
In order to comply with these obligations, iPartners collects information about you as necessary to verify your FATCA and CRS status.
iPartners is required to provide information about the following investors to the ATO:
Investors identified as US citizens or tax residents (information about corporations and trusts with US substantial owners or controlling persons will also be reported); and
Investors identified as foreign tax residents as per reportable jurisdictions; and
Investors who do not confirm their FATCA and CRS status.
General Acknowledgements
By applying for the OIP and/or investing in a Fund:
You undertake that you are a Wholesale Client and you agree to provide all documents and information we reasonably request for the purposes of verifying your status as a Wholesale Client.
if applicable to the relevant Fund, you are an accredited investor within the meaning of the US Securities Act of 1933 and qualified client within the meaning if the US Investment Advisers Act 1940 and agree to provide all documents and information we reasonably request for the purposes of verifying your status as such.
You undertake that you are authorised to provide the information made available to us, and that if you are providing information on behalf of a corporation or other body, that you are authorised to bind that body to these Terms and Conditions and, if applicable, the Fund Documents.
You undertake that you have read and understood all relevant Fund Documents.
You consent to receive any and all advice, documents, information, or other communications from us electronically through text message, the Website, email or otherwise over the internet.
You agree that you will use the Website for all transactions in respect of the OIP or a Fund (unless we require otherwise).
You agree and acknowledge that we will use your personal information to send you messages containing important information about the OIP. These messages are an important part of the service that we provide to you, and will be sent to you as long as you are signed up to the OIP. You cannot opt-out of receiving these messages.
You warrant that:
if you are acting as a trustee, you have authority to enter into these Terms and Conditions, apply for the OIP and invest in the Fund;
if you are acting as a corporation, you are validly constituted and your principal place of business is in Australia;
if you are a natural person, you are an Australian Wholesale Client resident in Australia if applicable to the relevant Fund, you are an accredited investor within the meaning of the US Securities Act of 1933 and qualified client within the meaning if the US Investment Advisers Act of 1940;
it is not unlawful for you to enter into these Terms and Conditions, apply for the OIP or invest in the Fund;
You acknowledge and agree that the Constituent Document will prevail in the case of any inconsistency between it and these Terms and Conditions.
You acknowledge that you may only terminate your access to the OIP by contacting us by email.
You acknowledge and agree that any person listed as a certified investor in relation to your OIP access can provide binding instructions and that we can act on the instructions of any of those persons.
You acknowledge that all of your dealings on the OIP and in relation to a Fund are subject to our obligations under the Corporations Act and AML/CTF Act and any other applicable legislation.
You agree and acknowledge that we may pay referral fees to related bodies corporate or third-party entities in relation to your investment in any Fund.
You acknowledge and agree that you must review as soon as possible any and all confirmations of transactions sent to you. Confirmations shall be binding upon you, unless you inform us electronically or in writing within 2 business days of receipt that there is an error or discrepancy.
We accept no responsibility for the accuracy of the information presented in the "Registry" tab.
You acknowledge and agree that we make no guarantee that your investment will be successful - we will use our best endeavours to ensure that your investment is made in a proper and efficient manner.
Risk Warning
By accessing the Website and investing in a Fund on the Website or OIP, you acknowledge that you understand and accept the risks involved in any investment.
iPartners, its associates and their officers, employees and agents make no representation about, nor give any guarantee of, future performance, future profitability, payment of dividends or return of capital in respect of any Fund on the Website or OIP.
Any statements, opinions, projections, forecasts and other material (forward looking statements) are based on various assumptions. Those assumptions may or may not prove to be correct. None of iPartners, its associates, their officers, employees, agents, advisers or any other person named in on the Website or OIP make any representation as to the accuracy or likelihood of fulfilment of any forward looking statements or any of the assumptions upon which they are based.
We recommend that you assess your appetite for risk independently and consult with your tax, legal and/or financial planning advisors before making a decision to invest through the Website.
Governing law
These Terms and Conditions are 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.