Terms & Conditions

YC360 website: Terms and Conditions

This document sets out the terms and conditions that govern the use of this website.  Please review these terms carefully, especially the disclaimer and limitation of liability sections.  By accessing this website, you accept and agree to these terms and conditions and the privacy policy of www,yc360.com.au. This website is operated by YCG Wealth Management as Trustee for YCG Wealth Management Trust (“YC360”), who is referred to as “we”, “our” and “us” in these terms and conditions.

Copyright

Copyright © 2018-2020 YCG Wealth Management as Trustee for YCG Wealth Management Trust
ABN 77 292 507 899
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Except as permitted by the copyright law applicable to you, you may not reproduce, reuse, retransmit, adapt, publish, broadcast, distribute or communicate any of the content on this website, including files downloadable from this website, without the specific written permission of YC360, or, in the case of third party material, from the copyright owner.

The Australian Copyright Act allows certain uses of content from the internet without the copyright owner’s permission. This includes uses by educational institutions and by Commonwealth and State governments, provided fair compensation is paid. For more information, see www.copyright.com.au and www.copyright.org.au.

The owners of copyright in the content on this website may receive compensation for the use of their content by educational institutions and governments, including from licensing schemes managed by Copyright Agency.

Unless otherwise indicated, we own or are licensed to use all intellectual property (including without limitation copyright, trade mark and designs) subsisting in the materials on this website. All names, logos and trade marks on this website are the property of their respective owners. Nothing on this website should be interpreted as granting any rights to commercial use or distribute any names, logos or trademarks, without the express written agreement of the relevant owners. 

No investment advice provided to you
Unless otherwise expressly stated to the contrary, this website is not designed for the purpose of providing personal financial or investment advice.  The material on this site, including statements, opinions and documents available on this site is for general information purposes only and any examples given are for illustrative purposes.  It does not contain financial or legal advice, and does not take into account your individual objectives, circumstances, or needs.  No entity or person guarantees the performance of any properties that may be referred to in this website.  

You should assess whether the information on this website is appropriate to your particular investment objectives, financial situation and investment needs. You should obtain your own financial, taxation and legal advice where appropriate and before making any investment decision. 

Certain members of YC360 are licensed to give advice in relation to financial products, including Self-Managed Superannuation Funds, and should you require financial advice for your specific personal circumstances please don’t hesitate to contact us directly on 1300 688 988 or email askus@yc360.com.au 

Investment performance & risk
Unless otherwise stated to the contrary, YC360 does not guarantees any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other risks. Possible risks could include loss of income or capital invested.

Disclaimer
Every effort is made to ensure that the material is accurate and up to date.  Some information has been obtained from third parties and has not been independently verified. Accordingly, no warranty, guarantee, representation or undertaking, whether express or implied, is made and no responsibility is accepted by us as to the accuracy, completeness or currency of any of the information provided, or any further information supplied by or on our behalf, whether orally or in writing. Before relying on any information on this website, you should first verify the accuracy of the information and its relevance.

Links in this website
This website may contain links to other websites or pages that are not operated by YC360.  Such links are provided for convenience and information purposes only.  YC360 has not verified, and is not responsible for, the content or any other website or pages linked from this website. Following links to any other websites or pages is entirely at your own risk and YC360 will not be responsible or liable for any losses, damages or expenses so arising from the use of these links.

Limitation of liability
To the maximum extent permitted by law, YC360 will not be liable in any way for any loss or damage, including any consequential or indirect loss, loss of data, loss of profit, loss of reputation or loss of business arising in relation to the use or reliance of any part of this website or any information on this website or YC360’s failure to provide this website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you.

Security
We take reasonable steps to protect the information that you transmit using this website. However, we cannot guarantee the security of any information that you transmit to us using this website. Therefore, any information you transmit using this website is transmitted at your own risk. When using this website, you must take precautions to ensure that you are not exposed to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer system. We do not accept responsibility for any such interference or damage to your systems which arises in connection with your use of this website.

Privacy
We may collect your personal information through this website. We collect, use, hold and disclose your personal information so that we can perform our business activities, and to administer this website. We respect your right to privacy, and subject to any agreement that you have with us, you may elect not to provide your personal information to us. However, if you choose not to do so, then we may not be able to respond to you.

In addition to using your personal information for the purpose for which it is given, we may also disclose your personal information to: 

  1. our employees, related bodies corporate, contractors or service providers for the purposes of operation of our website or our business, fulfilling requests or answering queries by you; 
  2. suppliers and other third parties that supply services to us, for our business, marketing, and related purposes; 
  3. regulators and law enforcement agencies; 
  4. associated businesses that may want to market products to you; and 
  5. other organisations for any authorised purpose with your express consent.

Our privacy policy, available on this website, contains information about how you may access and correct the personal information that we hold about you and how to lodge a complaint relating to our treatment of your personal information, and how we will deal with such complaint.

You consent to your personal information being collected, used and disclosed in accordance with these terms and conditions and our privacy policy. You must not submit the personal information of another person, unless that person has read, understood and accepted these terms and conditions and our privacy policy.

General conditions
These Terms and Conditions are governed by the law in force in the State of New South Wales, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning these Terms and Conditions.

If any provision of these terms and conditions is found to be void, unlawful or unenforceable for any reason, then that portion of the provision which creates the invalidity, unlawfulness or unenforceability will be severable from these terms and conditions and will not otherwise affect the validity and enforceability of any remaining provisions.

These terms and conditions can be modified at any time by YC360 and you agree to continue to be bound by these terms and conditions as modified. We will give you notice of any changes by publishing revised terms and conditions on this website as we will not separately notify you of these changes.

These Terms and Conditions have been updated as at 1 August 2020