1. Agreement
    1. By accessing, visiting, or otherwise using ("the Site"), you agree to be bound by these terms and conditions. This Site is owned and operated by Wealth Nation Pty Ltd ACN 606 586 234 ("the Owner" "us" "we" "our"). These terms and conditions may be amended from time to time at the Owner's discretion and without prior notice to you.
      Users of the Site are encouraged to review these terms and conditions from time to time as continued use of the Site will indicate your acceptance of them.
  2. General
    1. You must be at least eighteen (18) years of age to use the Site; and by using the Site or agreeing to these terms and conditions, you warrant and represent to us that you are at least eighteen (18) years old.
    2. Information published on this Site is general information and is intended as a guide only. Nothing on this Site should be taken as constituting the provision of advice, financial or otherwise. Whilst every effort is taken to ensure information on this Site is precise and up to date, we cannot guarantee its accuracy or completeness. You accept full responsibility for your use of this Site. We do not and will not accept any liability for any expense, damage or loss you may incur as a result of using or relying upon information contained in, or omitted from, this Site.
    3. Access to and use of password protected and/or secure areas of this Site is restricted to authorised Users only. In no way will we be responsible for unauthorised transactions arising out of the improper use of your passwords by unauthorised persons. You must not disclose your username and/or password details to any other person. Unauthorised individuals accessing or attempting to access these areas of the Site may be subject to prosecution.
    4. You must notify us in writing immediately if you become aware of any unauthorised use of your account.
  3. License to You
    1. This Site and its content are provided to you through this license. The Owner retains all ownership and proprietary rights in the Site and its content. The Owner hereby grants you the non-exclusive, non-transferable, limited right to use the Site. This license commences upon your acceptance of this agreement and continues until termination by the Owner or you. The Owner has the discretion to terminate your license immediately and without notice if you breach this license. All rights not specifically granted under these terms and conditions are reserved by the Owner and, as applicable, its licensors.
    2. This limited license excludes the right to:
      1. frame or utilise framing techniques to enclose the Site or any portion of the Site;
      2. republish, redistribute, transmit, sell, license or download the Site or any and/or all Site Content (except caching or as necessary to view the Site);
      3. make any use of the Site or any and/or all Site Content other than for the prescribed use;
      4. modify, reverse engineer or create any derivative works based upon either the Site or any and/or all Site Content;
      5. use any meta tags or any other hidden text utilising any and/or all Site Content;
      6. use software robots, spiders, crawlers, or similar data gathering and extraction tools, or take any other action that may impose an unreasonable burden or load on our infrastructure or server;
      7. download any image or content and pass it off as your own, or provide it to a third party or republish or distribute it.
  4. Your License to the Owner
    1. By posting, submitting or otherwise publishing any material to the Site, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are 18 years of age or older.
    2. Subject to our Privacy Policy, by submitting or posting any material, you are granting us, and anyone authorised by us, a royalty-free, perpetual, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, create derivative works from, distribute, and publicly display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose.
  5. Your obligations.
    1. The Owner does not verify the information provided to it by Users. By registering with the Site you agree not to provide false or misleading information through the Site and you agree to indemnify the Owner for any claim arising from your conduct through the Site.
  6. Conditions of use.
    1. Users agree to use the Site in accordance with these terms and conditions, in good faith and in a way so as to not bring disrepute or cause reputational or other damage to the Owner.
    2. You agree that you will not upload or provide content on the Site which is:
      1. defamatory, fraudulent, unlawful, threatening, intimidating, harassing, disrespectful, inappropriate, harmful, hateful, abusive, tortious, obscene, invasive of another's privacy, sexist, racist, homophobic, violent or degrading;
      2. infringes the intellectual or other proprietary interests of third parties;
      3. contains spam, chain letters, pyramid and other such selling and marketing schemes, computer viruses, computer code, files or programs or other harmful components that are designed to interrupt, destroy, change or limit the functionality of the Site or any other computer software, hardware or other electronic equipment, information which in any way impinges on another user's use or enjoyment of the Site or otherwise breaches or encourages other users to breach these Terms and Conditions;
      4. violates any law; or
      5. encourages or incites any other person to engage in any of the above behaviour;

        You also agree that you will not:

      6. Use technology or other means that is not authorised by the Owner to access the Site;
      7. Use or launch any automated system, including without limitation, "robots," "spiders," or "offline readers," to access the Site;
      8. Attempt to, or introduce viruses or any other computer code, files or programs that may interrupt, destroy or limit the functionality of the Site;
      9. Gain or attempt to gain unauthorised access to the Site including the networks or user accounts; or
      10. Attempt to or engage in conduct that damages, disables, overburdens, or impairs the Site, servers or networks.
  7. The Owner's Obligations.
    1. The Owner reserves the right to make changes to the Site, its operation and application at any time without prior notice. The Owner may engage a third party to provide technical assistance with the Site. The Owner will take reasonable steps to ensure the ongoing effective operation and maintenance of the Site and take steps to repair technical issues that arise from within the Site within a reasonable time, insofar as the issues are of a global nature, and do not arise from individual use.
  8. Cancellation and suspension of account
    1. The Owner may:

      1. suspend your account;
      2. cancel your account; and/or
      3. edit your account details,

      at any time in our sole discretion without notice or explanation.
  9. Third party links.
    1. At times we may provide links and pointers to third party Sites. Once you leave our Site and move to a linked Site, you will be subject to the third party's terms and conditions and privacy obligations. The Owner does not have control or responsibility over the content or security of third party linked Sites. Opinions expressed or material on third party Sites are not necessarily shared or endorsed by the Owner.
  10. Warranties and Indemnities.
    1. The Owner does not warrant that the functional aspects of the Site will be error free or that the Site, its content or the server are free of viruses or other harmful components. The Owner maintains current anti-virus software, however to the extent provided by law, the Owner does not guarantee against third party interference. The Owner does not warrant that the Site will be uninterrupted or error-free, or that Site or its content will be compatible with third party software or hardware. The Owner is not liable for any default due to an act of God, war, terrorism, strike, lock-out, industrial action, fire, flood, storm or other event beyond the Owner's reasonable control.
    2. You agree to indemnify, the Owner, and its partners, licensors, affiliates, contractors, officers, employees and agents for any claim arising directly or indirectly from your acts and omissions in using the Site pursuant to the terms of the Agreement.
    3. We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
    4. The information on this web site is provided on an "as is" basis.
    5. The Owner does not guarantee and makes no warranties as to the accuracy of the contents of the Site provided by third parties and to the extent allowed by law excludes all liability arising out of content provided by third parties.
    6. We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
  11. Availability
    1. The services featured on this website are only available within Australia.
  12. Web browser cookies
    1. As with most websites, we may use "cookies" to enhance User experience. Cookies do not cause damage or harm your system and are used to assist Users with our Site. Users may choose to alter personal web browser settings so as to refuse cookies, or to provide alerts when cookies are being sent. However, if cookies are blocked some parts of the Site may not function properly.
  13. Analytics
    1. We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilised and other similar information.
  14. Intellectual Property Rights
    1. The Owner retains all copyright and ownership rights over all intellectual property (registered or unregistered) available on this Site, and its content including, but not limited to, audio-visual effects, themes, stories, dialog, settings, artwork, sounds effects, musical works, and moral rights.
  15. Breaches of these terms and conditions
    1. Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
      1. send you one or more formal warnings;
      2. temporarily suspend your access to our website;
      3. permanently prohibit you from accessing our website;
      4. block computers using your IP address from accessing our website;
      5. contact any or all your internet service providers and request that they block your access to our website;
      6. commence legal action against you, whether for breach of contract or otherwise; and/or
      7. suspend or delete your account on our Site.
    2. Where we suspend or prohibit or block your access to our website or a part of our Site, you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).
  16. Governing Law
    1. These terms and conditions are governed by the laws of Victoria and Australia.