In these Terms, ‘us’, ‘we’ and ‘our’ means Meaningful Information Pty Limited.
- You must be a registered member to access certain features of our website.
- In order to become a member you must be one of the following:
- A relationship manager (Relationship Manager) of an entity that is currently party to a licence and services agreement with us (Company);
- A nominee of a Relationship Manager (together, Company Nominee);
- A financial adviser that is a member of the Company’s network of financial advisers and to whom the Company has provided permission to access this website (Adviser); or
- A person or a nominee of an entity that has referred clients to an Adviser and to whom the Adviser has provided permission to access this website (Referrer).
- In addition to the above, you can only access our website if you are a financial adviser with a current AFS Licence (Registered Financial Adviser) or a person that has been nominated by a Registered Financial Adviser.
When you register and activate your account, we will provide you with a user name and password. You are responsible for keeping this user name and password secure and are responsible for all use and activity carried out under this user name.
To create an account you must be:
- at least 18 years of age;
- possess the legal right and ability to enter into a legally binding agreement with us; and
- agree and warrant to use the website in accordance with these Terms.
If you are under the age of 18 years, you may not create an account or register as a member.
We may disclose that information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners) or as required by law. If you do not provide this information, we may not be able to provide all of our services to you.
Accuracy, completeness and timeliness of information
The information on our website is not comprehensive and is intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the information on our website, to the extent permitted by law we make no warranty regarding the information on this website. You should monitor any changes to the information contained on this website.
We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of this website or a linked website. You must take your own precautions to ensure that whatever you select for your use from our website is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.
We may, from time to time and without notice, change or add to the website (including the Terms) or the information, products or services described in it. However, we do not undertake to keep the website updated. We are not liable to you or anyone else if errors occur in the information on the website or if that information is not up-to-date.
Representations regarding information that you provide
You are responsible for your user content (Your Content). You represent and warrant that Your Content is truthful and accurate; and Your Content does not violate these Terms or any applicable laws.
You assume all risks associated with Your Content, including anyone’s reliance on its quality, accuracy, or reliability, or any disclosure by you of information in Your Content that makes you personally identifiable. While we reserve the right to remove content, we do not control actions or content posted by our users and do not guarantee the accuracy, integrity or quality of any content. You acknowledge and agree that content posted by users and any and all liability arising from such content is the sole responsibility of the user who posted the content, and not us.
Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.
Intellectual property rights
Unless otherwise indicated, we own or license from third parties all rights, title and interest (including copyright, designs, patents, trademarks and other intellectual property rights) in this website and in all of the material (including all text, graphics, logos, audio and software) made available on this website (Content).
Your use of this website and use of and access to any Content does not grant or transfer any rights, title or interest to you in relation to this website or the Content. However we do grant you a licence to access the website and view the Content on the terms and conditions set out in these Terms and, where applicable, as expressly authorised by us and/or our third party licensors.
Any reproduction or redistribution of this website or the Content is prohibited and may result in civil and criminal penalties. In addition, you must not copy the Content to any other server, location or support for publication, reproduction or distribution.
All other use, copying or reproduction of this website, the Content or any part of it is prohibited, except to the extent permitted by law. However, notwithstanding the above, you are permitted to make copies of personal information that pertains to you or your business.
No other use
This website is for financial advisers to better understand their business and manage your clients’ insurance policies, including segmenting clients by policy and provider. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, commercially exploit, create derivative works from, transfer, or sell any Content, software, products or services contained within this website. You may not use this website, or any of its Content, to further any commercial purpose, including any advertising or advertising revenue generation activity on your own website.
You must not do any act that we would deem to be inappropriate, is unlawful or is prohibited by any laws applicable to our website, including but not limited to:
- any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual’s consent) or any other of the legal rights of individuals;
- using this website to defame or libel us, our employees or other individuals;
- uploading files that contain viruses that may cause damage to our property or the property of other individuals;
- posting or transmitting to this website any non-authorised material including, but not limited to, material that is, in our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic or otherwise or which is detrimental to or in violation of our systems or a third party’s systems or network security.
If we allow you to post any information to our website, we have the right to take down this information at our sole discretion and without notice.
Warranties and disclaimers
To the maximum extent permitted by law we make no warranties or representations about this website or the Content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that this website will be secure.
We reserve the right to restrict, suspend or terminate without notice your access to this website, any Content, or any feature of this website at any time without notice and we will not be responsible for any loss, cost, damage or liability that may arise as a result.
To the maximum extent permitted by law in no event shall we be liable for any direct and indirect loss, damage or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our website and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete or not up-to-date.
If any provision of these Terms is deemed unlawful, invalid, or unenforceable by a judicial court for any reason, then that provision shall be deemed severed from these Terms, and the remainder of the Terms shall continue in full force and effect.
We may include electronic addresses in our website to facilitate communication. This is not to be inferred as consent by us or the relevant addressees to receiving unsolicited commercial electronic messages or spam.
Partnership or agency
None of the provisions of these Terms shall be deemed to constitute a partnership or agency between you and us and you shall have no authority to bind us in any form or manner, whatsoever.
Carrier rates may apply
By accessing the Services through a mobile or other device, you may be subject to charges by your Internet or mobile service provider. You will be responsible for any such costs.
Modification to Terms
We reserve the right to change the Terms at any time and we shall notify you by posting an updated version of these Terms on our website. You are responsible for regularly reviewing these Terms. Continued use of our service after any such changes shall constitute your consent to such changes.
Jurisdiction and governing law
Your use of the website and these Terms are governed by the laws of Victoria and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in Victoria.
If you have any questions about these Terms or wish to obtain additional information, please contact us at firstname.lastname@example.org