Conditions of Use
The websites that form the network of Business Advisor Network sites (hereinafter referred to individually as a BAN Site or collectively the BAN Sites) are owned and operated by Business Advisor Network Limited (BAN). The BAN Sites include information and data provided by Business Advisor Network and a number of third parties (Content Providers). These terms of use, together with the Subscription Terms and any other additional terms, conditions, notices and disclaimers contained elsewhere on the BAN Sites, form the terms and conditions of supply of material on, use of and access to the BAN Sites.
If you use any of the BAN Sites, you agree to be bound by these terms. Business Advisor Network reserves the right to change these terms by posting changes online. It is your responsibility to check the terms regularly. Your continued use of the BAN Sites after any changes are made to these terms constitutes an acknowledgement and agreement by you that you accept and agree to be bound by the terms and any changes made to them.
Should you object to any of these conditions or any subsequent modifications your only recourse is to immediately discontinue your use of the BAN Sites.
Accuracy of information
All material on the BAN Sites is provided in good faith and is derived from sources believed to be accurate and current as at the date of publication. Your use of the BAN Sites is at your own sole risk. Access to the BAN Sites is provided on an "as available" basis. Unless expressly stated otherwise, neither Business Advisor Network nor its related bodies corporate, its or their directors or employees or any Content Provider (collectively, the "Protected Parties") makes any representation or warranty that any material on any of the BAN Sites will be reliable, accurate or complete or that your access to any of the BAN Sites will be uninterrupted, timely or secure.
Neither Business Advisor Network nor any of the Protected Parties will be liable for any damage or loss resulting from any errors in or omissions from the material on the BAN Sites, nor any action or decision by you in reliance on the material on the BAN Sites, nor any interruption, delay in operation or transmission, virus, communications failure, internet access difficulties, or malfunction in equipment or software. Business Advisor Network reserves the right at any time without prior notice to change or discontinue any feature of the BAN Sites and to change the presentation or substance of the material on the BAN Sites if required to do so by reasons outside its control or if the material is changed or ceases to be provided for any reason by a Content Provider.
General information - non advisory
The material on the BAN Sites provides general information only. It is not intended as advice and must not be relied upon as such. The material has not been prepared by taking into account the investment objectives, financial situation or needs of any individual investors. You should make your own inquiries and if necessary take independent advice tailored to your specific circumstances before making any decisions. None of the material on the BAN Sites constitutes, and must not be construed as, an offer of securities or other financial products. Nor is it an invitation or recommendation to you to deal in securities or other financial products.
Copyright and intellectual property
The material on the BAN Sites is copyright protected and in some cases is published by Business Advisor Network under licence. Except for the temporary copy held in the computer's cache and a single permanent copy for your personal reference, the material may not otherwise be used, copied, reproduced, published, distributed, sold or resold, stored in a retrieval system, altered or transmitted in any form or by any means in whole or part or otherwise disseminated to others (except where such use constitutes fair dealing under the Copyright Act 1968 (Cth)) without the prior written approval of Business Advisor Network or the appropriate Content Provider or other supplier or licensor of Business Advisor Network Limited.
The BAN logo and the other BAN Sites are trademarks or registered trademarks of Business Advisor Network Limited. Other trademarks and logos may be displayed on BAN Sites from time to time. These may belong to a Content Provider or other third party. Nothing displayed on the BAN Sites should be construed as granting any licence or right of use of any logo, masthead or trademark displayed, without the express written permission of the relevant owner.
Third party links and advertising
Hyperlinks and pointers to websites operated by third parties will appear on the BAN Sites from time to time. These websites do not form part of the BAN Sites and are not under the control of Business Advisor Network or its related bodies corporate and neither Business Advisor Network nor its related bodies corporate have any responsibility for the content of any such hyperlink or linked website. If you link to any such websites, you leave the BAN Sites and do so entirely at your own risk. The BAN Sites displays third party advertisements, which may or may not contain hyperlinks or referral buttons to websites operated by third parties. The display of such advertising does not in any way imply a recommendation or endorsement by Business Advisor Network or its related bodies corporate of the relevant advertiser, its products or services or any such linked website. If you contact a third party using functionality provided on the BAN Sites, including via e-mail, Business Advisor Network accepts no responsibility for any actions taken by that third party in response to your communication or for any transactions entered into between you and the relevant third party.
Your use of the BAN Sites
Without limiting any other provision of these terms and conditions, you may not use or permit the use of any part of the material on the BAN Sites:
- to establish, maintain or provide, or assist in establishing, maintaining or providing your own publications, internet site or other means of distribution; or
- other than for your own personal use or in the ordinary course of your own business (which shall not include the dissemination of the material to third parties);
- to establish, maintain or provide, or assist in establishing, maintaining or providing a financial market (other than one authorised by law) for trading in securities or other financial products; or
- for any illegal purpose.
You agree to abide by all applicable laws and regulations in accessing and using the BAN Sites and the material on it. If Business Advisor Network determines or suspects that you have breached these terms (including, but not limited to, by sharing your username and password in breach of the Subscription Terms), or if it is required to do so by a Content Provider because of a suspected breach by you of these terms, Business Advisor Network may immediately suspend or terminate your access to any of the BAN Sites. You agree to indemnify Business Advisor Network and the Protected Parties against any losses, liabilities, damages, costs or expenses suffered or incurred by them in connection with any breach of these terms and conditions or any other legal obligation by you or your use of or conduct on the BAN Sites. Business Advisor Network has no obligation to you to monitor your use of the BAN Sites. However, Business Advisor Network retains the right at all times to monitor, retain and disclose any information relating to your use of the BAN Sites as necessary to satisfy any applicable law, regulation, legal process, governmental request or legal obligation. In addition, if Business Advisor Network reasonably suspects any misuse of any BAN Site or information or content supplied by way of any BAN Site, Business Advisor Network may, on giving you at least 10 days notice in writing, audit all records, systems, attachments, apparatus, books and records or other such material to verify your compliance with this Agreement. Any audit will be conducted during normal business hours and subject to your reasonable security and confidentiality requirements. If any audit by Business Advisor Network discloses any breach of this Agreement, you will pay, within 30 days of us notifying you, any underpayment and our reasonable audit costs or any reasonable estimate of any discrepancy discovered pursuant to such audit arising from your misuse of any BAN Site product or service.
Disclosure of benefits
Reports and newsletters offered for sale or subscription by a Content Provider may from time to time be referred to or advertised on the BAN Sites. Business Advisor Network or its related bodies corporate may receive a referral commission based on sales or subscriptions of such reports and newsletters taken up by users of the BAN Sites. Business Advisor Network has entered into agreements with Content Providers under which it pays a fee for the information and data provided by the Content Providers. Except as outlined above, Business Advisor Network does not receive any commissions or other benefits from Content Providers based on the material you access or use on the BAN Sites.
Limitation of liability
Business Advisor Network and its related bodies corporate do not exclude any rights or remedies available to you under the Trade Practices Act 1974 (Cth) or any similar State or Territory legislation that cannot be excluded, restricted or modified. Otherwise, all conditions and warranties in respect of the BAN Sites and the material on it that may be implied by law are excluded. To the extent Business Advisor Network supplies goods or services which are not of a kind ordinarily acquired for personal, domestic or household use or consumption, its liability for breach of any implied warranty or condition which cannot be excluded is restricted, at Business Advisor Network Limited's option, to:
- in the case of services supplied or offered by Business Advisor Network Limited, the re-supply of those services or the payment of the cost of having those services re-supplied; and
- in the case of goods supplied or offered by Business Advisor Network Limited, the replacement of the goods or the supply of equivalent goods, the repair of the goods, the payment of the cost of replacing the goods or the payment of the cost of having the goods repaired.
Subject to the above qualifications, you expressly agree that in no circumstances will Business Advisor Network or the Protected Parties be liable to you for any damage or loss (including, but not limited to, any indirect or consequential loss or any loss of profits or revenues whatsoever) however caused (including, but not limited to, by the negligence of Business Advisor Network or a Protected Party) suffered or incurred by you in connection with your use of the BAN Sites.
General
In entering into this agreement with you and obtaining the benefit of any exclusion of liability, disclaimer or indemnity, Business Advisor Network acts on its own behalf and as trustee for each of the Protected Parties. Where specific provisions of these terms and conditions relate to a particular Content Provider, they are not intended to limit or otherwise affect the application of other general provisions to Business Advisor Network or other Content Providers. These terms and all other additional terms which govern your use and access to the BAN Sites will be governed by and construed in accordance with the laws of Queensland, Australia.