These Terms and Conditions apply to your use and subscription to Wealth Builders Club Australia and its websites. By using our services, you agree to be bound by these Terms and Conditions and they shall constitute an agreement between you and Wealth Builders Club Australia (‘WBCA’, ‘us’, ‘our’, ‘we’).
We are licensed to provide general financial product advice only to retail and wholesale clients on:
- Deposit and payment products limited to:
(a) basic deposit products and
(b) deposit products other than basic products
- Derivatives, and
- Interests in managed investment schemes including
(a) Investor directed portfolio services
- Investment life insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds; and
- Life risk insurance products as well as any products issued by a Registered Life Insurance Company that are backed by one or more of its statutory funds
By agreeing to these Terms and Conditions, you acknowledge you have read and understood our Financial Services Guide.
All information contained on our website and in emails and other electronic services is general advice; your personal circumstances have not been taken into account. If you’re in doubt about the suitability of an investment, it is a good idea to seek professional financial advice.
Access to Information
Users will only have access to the services they are subscribed to. For paid services, only a paying member has access to the subscriber-only section of the websites and emails. Subscribers must not reveal any username(s) or password(s) or forward paid services emails to any third party.
Use of Copyright Material
All material published on our website is owned or provided under licence by WBCA. Content in our paid subscriptions is not to be reproduced, forwarded, or disclosed without our prior written permission.
Security Policy and Our Services
When purchasing from Wealth Builders Club Australia, your financial details are passed through a secure server using the latest 128-bit SSL (secure sockets layer) encryption technology. 128-bit SSL encryption is the industry standard. However, WBCA does not warrant or represent that it provides a totally secure online service. If you have any questions regarding our security policy, please contact our customer services team email@example.com
Given the nature of electronic and telecommunications services, and the fact that WBCA does not own, operate or control these systems, WBCA does not promise to make its subscriptions, and other online and electronic services and offerings, continuously available, or virus or fault free. Likewise, we do not promise to make any of our services available by a particular time or method.
Information, opinions, comments and reports have been produced in good faith, and based on information collected from wide ranging sources believed to be correct and accurate at the time of publication. WBCA exercises due care in the research, preparation and delivery of its services. However, we do not represent or warrant that any service or content we provide is accurate, reliable, suitable, complete or of a particular quality.
Our liability to you
Except as expressly required by legislation, we accept no liability to you (including, without limitation, by way of negligence) arising from the provision (or non-provision as the case may be) of any of our services. To the extent permitted by legislation, we limit any liability we may have to you to the resupply of services or refunding any unused portion of your subscription (where relevant).
None of WBCA and its employees, directors, agents or associates guarantees the performance of any security or other financial product (or class of financial product) that is reviewed, recommended or opined on in any of our services. We strongly recommend you make your own inquiries and seek professional advice before making any investment decisions.
Cancellation Policy, Pricing and Trial Periods
We reserve the right to refuse subscription. When you subscribe to Wealth Builders Club Australia, you enter into a continuing agreement for that publication, which is charged either yearly or quarterly (‘the subscription period’), depending on the offer taken up.
Each subscription period must be paid in full prior to starting the subscription period. We will cancel your subscription if the subscription period is not paid in advance or if you give us written notice that you wish to cancel.
You will not be entitled to any refund of subscription fees if you decide to cancel your subscription during the subscription period (after any applicable trial period). A pro rata refund may be applicable on a case-by-case basis. The prices for new subscriptions will be communicated to you prior to subscribing.
Each newsletter offers a trial period for new subscribers only. If you have subscribed to a newsletter previously and ceased your subscription for any reason, you will not be entitled to another trial period should you decide to resubscribe at a later date. Subscription fees must be paid in full before subscribing. Should you cancel within the trial period, you will receive a full refund unless otherwise stated.
We can review and alter our prices for any subscription period at any time. Any changes to pricing for existing subscribers will take effect when your next subscription period starts. If the price for your next subscription period is to increase, we will let you know before it changes.
All prices are quoted in Australian dollars and include any postage. Items will be mailed within five business days.
Wealth Builders Club Australia has the right to investigate any breach or complaint about a violation of these terms and conditions. Wealth Builders Club Australia will take any necessary action to protect itself and may report any unlawful activity to the relevant legal authorities.
Breaching the Terms and Conditions and Cancellation
Any subscriber or website user found to be in breach of these Terms and Conditions may have their subscription or website access suspended, amended or cancelled. We reserve our right to take whatever action is available to us under the law.
We reserve the right to cancel any subscription at any time, for any reason, regardless of whether a breach of these terms and conditions has occurred. Where we cancel your subscription, the unused portion of your subscription will be refunded on a pro rata basis.
Changes to these Terms and Conditions
We may change all or part of these Terms and Conditions at any time. If we do, the new Terms and Conditions will be posted on our website. Your subsequent or continued use of this website and/or receipt of our emails will constitute your acceptance of any changes. If you object to any changes to the Terms and Conditions, your only remedy is to discontinue your use of the website or cancel your subscription with us. As you are bound by these Terms and Conditions, we recommend that you periodically refer to them.
If you have any queries relating to these Terms and Conditions, please contact our customer service department. Please email firstname.lastname@example.org or phone 1300 559 359. Or you can write to us at: PO Box 713, South Melbourne, VIC 3205
Wealth Builders Club Australia. Registered Office: 96-98 Bridport Street, Albert Park, VIC 3206 (ACN: 117 765 009 ABN: 33 117 765 009) Australian Financial Services Licence: 323 988. All content is © 2005 – 2016 Wealth Builders Club Australia All Rights Reserved.