The Re-rate Flag

These Terms and Conditions apply to your use and subscription to Fat Tail Media publications 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 Fat Tail Media Pty Ltd (‘FTM, ‘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
• Securities
• Superannuation
• 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 websites (our websites include any website that is operated by us and offers one or more publications that we publish) 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. The free e-letters can be viewed on their dedicated websites or subscribed to by email.

Use of Copyright Material

All material published on our websites is owned or provided under licence by FTM. Content in the free e-letters may be republished only if you acknowledge the e-letter as the source and provide a link to its dedicated website. Content in our paid subscriptions is not to be reproduced, forwarded, or disclosed without our prior written permission.

Privacy

When you provide personal information to FTM you agree to the terms of our Privacy Policy. Please read our Privacy Policy.

Security Policy and Our Services

When purchasing from Fat Tail Media 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 FTM 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 cs@fattailmedia.com.au

Given the nature of electronic and telecommunications services and the fact that FTM does not own, operate or control these systems, FTM 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. FTM 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 annual subscription (where relevant).

None of FTM 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 a Fat Tail Media publication you enter into a continuing agreement for that publication, which is charged either yearly, quarterly, or monthly (‘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.

The prices for new subscriptions will be communicated to you prior to subscribing. Membership of the Port Phillip Publishing Alliance is non-refundable after the first 30-days of your confirmed subscription. Our standard pricing is in our Financial Services Guide.

Each newsletter may offer 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. A person deemed to be abusing the trial period feature may be refused subscription to other FTM products or services. Subscription fees must be paid in full before subscribing. Should you cancel within the trial period (where a trial period is offered) 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.

Refund Policy

If there is a minor problem with your subscription Fat Tail Media will attempt to fix the problem in so far as the problem is within our control. Where the minor problem can’t be fixed within a reasonable time you have the right to cancel the subscription and a refund will be provided for the part of the subscription period that the service was unavailable to you.

We will provide a refund where there is a major issue with our service such as:

• we have provided the service with an unacceptable level of care and skill;
• the subscription is not fit for the purpose described by us; or
• the subscription is not delivered by the agreed date or within a reasonable time.

We will only provide refunds where there are problems that arise with the subscription that are within our control for example:

• if our files are corrupt; or
• we are unable to deliver content in accordance with your subscription terms; or
• we are suffering technological problems.

We do not provide refunds for a change of mind, or in circumstances where the problem is outside of our control such as:

• problems with your internet service provider;
• technology problems arising from your devices; or
• network outages.

Refunds will be issued where applicable on a pro-rata basis to the value of the part of the subscription period that has been affected, and will not be provided in situations where content was accessible, even if the content was not accessed by you.

From time to time, Fat Tail Media may provide an alternative refund policy for certain newsletters and for a certain period. Details of any applicable refund policy will be made clear at the point of sale. Otherwise, this standard refund policy applies.

Commenting on our websites

You are welcome to participate on our websites by posting comments at the end of each article. Please note that in order to post a comment you will be required to submit your email address. This DOES NOT make your email address publicly accessible. Nor does it subscribe you to our e-letters.

You must submit a name to submit a comment, but it does not have to be your name — aliases are completely acceptable as long as they are unique and not meant to impersonate another person (i.e., “Barack Obama” is not acceptable) or are considered by Fat Tail Media, at its sole discretion, to defame another person, to be offensive or otherwise unacceptable.

You are responsible for the content of your messages and you are liable for activities conducted by you, or by others authorised by you, or otherwise acting on your behalf.

By submitting messages you agree to indemnify and to continue to indemnify Fat Tail Media to the full extent possible under the law against all claims, costs and expenses (including but not limited to reasonable legal and administrative expenses) arising out of any such messages.

Messages are submitted by users over whom we have no control. We cannot guarantee the accuracy, integrity or quality of these messages. Some users may breach these Terms and Conditions and post messages that are misleading, untrue or offensive. To the extent allowable under the law, you bear all risk associated with your use of our websites and you should not rely on messages in making (or not making) any specific investment or other decision. In the event that you have any right, claim or action against any users arising out of that user’s messages, then you will pursue such right, claim or action independently of, and without recourse to, us.

To the extent allowable under the law, we expressly exclude our liability for any loss or damage arising from the posting of messages by any person on our websites.

We have the right to moderate all comments and we reserve the right to remove any comments which we deem, in our absolute discretion, to be advertisements, offensive, illegal, defamatory, contain profanity, or are otherwise considered to be unacceptable.

Portfolio Performance and Returns on Stocks

All returns are hypothetical and based on the percentage change between the stock price at the time of recommendation and sell price or current price (if position is still open). Brokerage and any other associated costs are not taken into account.

Unlawful Activity

Fat Tail Media has the right to investigate any breach or complaint about a violation of these terms and conditions. Fat Tail Media 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 websites. 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 cs@fattailmedia.com.au ;or phone 03 9037 8309. Or you can write to us at: 19 Bevan St, Albert Park VIC 3206

Fat Tail Media Pty Ltd. Registered Office: 19 Bevan St, Albert Park VIC 3206 Fat Tail Media Pty Ltd (ACN: 617 997 547 ABN: 14617 997 547) is an authorised representative (number 1255667) of Fat Tail Media Pty Ltd (Australian Financial Services Licence 323 988). All content is © 2005 – 2021 Fat Tail Media Pty Ltd All Rights Reserved.

Fat Tail Media takes individual privacy very seriously. We are also aware of the threats to your security and privacy. Please take a few moments to review the steps that Fat Tail Media takes to ensure your privacy and security while giving you the best possible customer service as you use our websites.

Our Privacy Policy outlines how we collect and handle your personal information. References to ‘FTM’, ‘we’, ‘our’ and ‘us’ refer to Fat Tail Media and its related companies.

How and what personal information is collected?

We collect your personal information (including your address, contact details, and credit card details) only when you place an order with us or when you contact us about your subscription or our other services. When you place an order, we will provide a secure (SSL, encrypted) connection and require you to submit only the information needed to complete and fulfill your order. This may include and is not limited to your name, credit card details, email address, mailing address and phone number. Only our authorised employees will have access to this information.

You can update your personal information by contacting us.

Cookies

Cookies are small files placed on your computer by a web page when you visit it. They can be used to store all sorts of useful information to make your next visit easier and more convenient, but some people are uncomfortable not knowing what information is in a cookie.

The FTM website uses cookies to compile statistics on the use of the various pages on our site and provide a unique user experience by tailoring advertisements you see. From time to time, we may use data collected from cookies to customise products and services we may offer you. When we send you emails, we include a web beacon to allow us to determine the number of people who open our emails. When you click on a link in an email, we may record this individual response to allow us to customise our offerings to you. Web beacons collect only limited information, such as a cookie identifier, time and date of a page being viewed, and a description of the page on which the Web Beacon resides (the URL).

Web Beacons can be refused when delivered via email. If you do not wish to receive Web Beacons via email, you will need to disable HTML images or refuse HTML (select Text only) emails via your email software.

When we send you emails we may also include tracking that identifies what marketing material you watch or read. This tracking makes you personally identifiable since we use your email address.

How we use your personal information

Your personal information may be used to:

• Verify your identity when we are speaking with you;
• Assist you to subscribe to our services and products;
• Administer and manage our services, including charging and billing;
• Research and develop our services;
• Promote and market services and products to you. Where we do so, we will always provide you with an opportunity to let us know if you do not wish to receive marketing and promotions from us.

If some or all of the personal information we require is not collected, we may be unable to efficiently provide you with the services you require.

Who can access my personal information?

Only authorised employees of FTM have access to any information you provide. We may turn over any pertinent information to any legal or regulatory authority that has a demonstrable right and takes the proper steps to access it. We may also, if necessary, provide your personal information to our lawyers, accountants, auditors and other third parties (such as but not limited to IT providers) who provide services to us or act on our behalf, for the purposes of giving effect to the services you request from us, to improve support and provide a better, more relevant experience for you, or as necessary to conduct our business.

Where your personal information is disclosed, it is provided through secure, encrypted e-mails to reputable third parties andwe will ensure that the information is to be held, used or disclosed consistently with the Australian Privacy Principles.

If you inquire about one of your subscriptions, we may ask you to submit some additional information only to verify your identity. Remember, in this case we only ask you to confirm information you have already given us.

You have the right to contact us and ask what information we may hold about you. Before you can obtain access to any information held by FTM about you, your identity will first need to be verified. A fee may apply for such access.

What if some of the information held is incorrect?

We endeavor to keep all information about you up-to-date. If any information held is incorrect please contact us.

Consent to use and disclosure of your personal information

FTM is a member of the global network of Agora companies, a company located in Baltimore, Maryland, USA. By subscribing to a FTM service you consent to being sent news and offers related to your subscription or that may suit your interests by FTM, related companies and carefully selected organisations. On occasions, FTM may provide your mailing address to third parties for direct marketing purposes. If at any time you do not wish your mailing address to be used for direct marketing or receive news and offers from carefully selected organisations, please contact us directly by email, post or phone. It is a requirement that all newsletters, updates and special reports be sent electronically. If you no longer wish to receive these services you may cancel your subscription at any time.

We may occasionally send you marketing emails. Our email marketing is permission based. If you received a mailing from us, it is because you are a subscriber or have otherwise consented to the terms of this privacy policy. You may unsubscribe at any time by post, by phone, or by clicking the unsubscribe link at the bottom of each email. We do not rent or sell email addresses to companies outside the FTM Group.

Personal information and data security

Your data is stored on our behalf on Agora Inc’s databases and servers located in the US, so it is necessary to disclose your personal information to Agora Inc for this purpose. FTM ensures all data collected is protected and secure against unauthorised access, alteration or deletion. Any data you submit to us through an online order form is transferred to us via a Secure Sockets Layer — an encryption protocol — and is kept in databases that cannot be accessed from outside our firewall. Our firewall is a mechanism that prevents access to our servers by anyone outside of the company.

The FTM website and e-mails may contain links to third party websites. Should you choose to click these links please be aware that our privacy policy will no longer apply. Please read and understand the privacy policy of the third party website before continuing further.

Google Updates

Starting from 15 May 2017, where users have chosen to enable Google to associate their web and app browsing history with their Google account, and to use information from their Google account to personalise ads, Google will use data from its signed-in users together with your Google Analytics data to build audience lists for cross-device remarketing.

Google Analytics will collect Google-authenticated identifiers associated with users’ Google Accounts and will temporarily join these identifiers to our Google Analytics data

Please note that all Google users can control their ads experience (or opt out of personalised ads altogether) at My Account.

Updates to our privacy policy

FTM will review and update this privacy policy as needed. Please check back regularly for any updates.

Privacy concerns or complaints

If you have concerns or wish to make a complaint regarding the handling of your personal information by us, please contact us. We will promptly investigate your complaint and notify you of the outcome. If you are still not satisfied with the outcome of your complaint, you may in some cases refer your complaint to the Financial Ombudsman Service (tel. 1300 780 808, web www.fos.org.au), or the Office of the Australian Information Commissioner (tel. 1300 363 992, web www.oaic.gov.au).

How to contact us

If you have any questions regarding our privacy policy you can reach us here:

Fat Tail Media Pty Ltd,
19 Bevan St,
Albert Park, VIC 3206

Ph: 1300 029 501 or +61 3 8657 3902

Email:cs@fattailmedia.com.au

Our registered address is:
Fat Tail Media Pty Ltd,
19 Bevan St,
Albert Park, VIC 3206
Australia

Copyright 2021 Fat Tail Media Pty Ltd. All rights reserved. No portion of this website may be reproduced, copied or in any way reused without the written persmision of Fat Tail Media.