Terms and Conditions
This website belongs to The Prosperity Pages Pty Ltd ABN 50 673 683 951 trading as (‘The Prosperity Pages, ‘we’, ‘our’ or ‘us’).
Please read these terms of use carefully, as these will apply to your use of and access to our website, www.theprosperitypages.com.au (Website). By using and accessing our Website, you accept these terms and conditions and agree to comply with them. If you do not agree to these terms of use, you should not use or access our Website.
If you have any questions about the Terms and Conditions, please contact support@theprosperitypages.com.au.
Terms of Subscription Services
Information about us;
Our Website offers a subscription based service to a monthly newsletter covering articles on various financial topics such as investment portfolios, shares, personal finance, and book reviews.
Our Website is owned and operated by The Prosperity Pages Pty Ltd. The Prosperity Pages Pty Ltd is a Corporate Authorised Representative of Beryllium Advisers Pty Ltd ABN 30 646 510 769 (AFSL 528250) providing general financial advice.
The Prosperity Pages complies with all obligations and requirements pursuant to their Australian Financial Services licence.
All financial information and advice on our Website is general in nature.
The information and advice provided on our Website and available to subscribers is designed for and catered to users in Australia.
We encourage all users of and subscribers to our Website to download and read our Financial Services Guide (FSG) and Privacy Policy.
Subscription
You confirm that you are at least 18 years old and have the legal right to use and subscribe to our Website in accordance with these Terms.
To subscribe to The Prosperity Pages, create and register an account.
Our monthly subscriber fee is $19 exclusive of GST.
Our annual subscriber fee is $198 exclusive of GST.
The above rates are not final and are subject to change from time to time. You will receive an email notification as least 7 days prior to any change in our subscriber fees which will be implemented upon the commencement of your next renewal term.
Your subscription will automatically renew via your nominated payment method at the commencement of each renewal term. You will receive an email notification at least 7 days prior to the commencement of each renewal term.
All invoices and receipts will be issued by Beryllium Advisers Pty Ltd.
Subscriptions are privately billed, and payment can be made by credit or debit card via our secure payment gateway (any associated surcharges shall be confirmed prior to executing payment).
You must ensure there are sufficient funds available for debit at that time of payment. Any fees and charges incurred due to insufficient funds at the time of debit will be passed on to you. If there are issues with your payment, we will promptly contact you to resolve the issue. If we are unable to resolve the issue, your subscription will be cancelled and you will be notified by email.
Cancellation
You can cancel a monthly subscription at any time. You will maintain access to our subscription services until the end of the paid term.
Refunds
We offer a 100% refund on annual subscriptions cancelled within the first 30 days. Any cancellation of an annual subscription after 30 days is subject to a partial refund at our absolute discretion.
If you have any queries regarding cancellation and refund requests, please contact us at support@theprosperitypages.com.au
Accounts
You agree to provide accurate, current, and complete information during the registration process.
You are responsible for maintaining the security of your account and password.
You may not share your account with others, and you agree not to sell or transfer your account to another party.
Cyber Security
To protect yourself against potential fraud or unauthorised payment requests, you must take appropriate steps to ensure that any requests for payment purporting to be from The Prosperity Pages or Beryllium Advisers Pty Ltd are genuine, including by contacting us to request confirmation.
Australian Consumer Law guarantees
Our service come with guarantees that cannot be excluded under the Australian Consumer Law. In the event of major failures with our subscription service, you are entitled:
(a) to cancel your subscription with us; and
(b) to a refund for the unused portion, or to compensation for its reduced value.
You may be entitled to be compensated for any other reasonably foreseeable loss or damage resulting from the major failure.
If the failure does not amount to a major failure, you are entitled to issues with the subscription service rectified in a reasonable time frame. If we are unable to resolve the issues, you have the right to cancel your subscription and may obtain a refund for the unused portion of the service.
WEBSITE TERMS OF USE
Changes to our Website terms and conditions
The Prosperity Pages reserves the right to revise these terms of use by changing, modifying, adding or removing any portion of these terms in whole or in part, at any time. You should not use our Website and subscription service if you do not wish to accept the new Terms and Conditions. Changes to the terms will be effective when they are published on our Website. If you continue to use or access the Website after this date you indicate your agreement to be bound by the new Terms and Conditions.
We do not guarantee that our Website, or any content on it, will be free from general errors or omissions.
Website User Conduct
Subscribers to our Website are not to disrupt or interfere with the security of our Website or otherwise abuse any service provided on our Website or linked websites or obtain any unauthorised access to any part of the Website that is restricted from public access.
Availability of our Website
We will endeavour to ensure our Website and the resources and advice available to subscribers is accessible 24/7.
Please report any technical issues you encounter when using our Website to support@theprosperitypages.com.au. If we are informed of any inaccuracies in the material on our Website or of a fault, we will take reasonable steps to correct the inaccuracies or fault as soon as reasonably possible.
Access to our Website and subscription services may occasionally be restricted to allow for repairs, maintenance or the introduction of new information and advice. We will endeavour to restore the service as soon as possible.
Links
The Website may reference financial information from third parties and contain links to other sites. For example, a graph displaying financial information. We will appropriately reference and/or source the third-party information but we do not verify the accuracy of the third party information.
Although we take care to ensure that links to third party sites are reputable, we make no representations in relation to the security, availability or reputation of any third party sites that our Website links to.
All information and advice on our Website including references to third party information is general in nature.
The financial information from third parties, and linked pages to third party websites are provided for the convenience of our subscribers only and do not constitute an approval of the information, services or practices (including privacy practices) of the third party information or sites. Such information and links should not be interpreted as endorsement by us of the third party information or sites and we are not liable for any loss or damage that may arise from your use of them or reliance upon their information.
Third party information and links to other sites from our Website do not require prior permission from us and should not be taken to indicate an affiliation between The Prosperity Pages and the third party information or sites.
We encourage our users to be aware, when they leave our Website, to read the privacy statements of each and every website that collects personally identifiable information.
Limitation of Liability
The operators of our Website will not be liable to users or any third party for any damages whatsoever, whether direct, indirect, incidental or consequential relating to or arising out of a visitor’s use of, access to, or reliance upon information and advice provided on our Website.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
- use of, or inability to use, our Website or subscription services (including any published information therein); or
- use of or reliance on any content displayed on our Website or within our subscription services.
In particular, we will not be liable for loss of profits, sales, business, or revenue, business interruption, loss of anticipated savings, loss of business opportunity, goodwill or reputation or any indirect or consequential loss or damage.
Intellectual Property Rights
Our Website contains intellectual property (including copyright) owned by The Prosperity Pages.
We retain all rights, title and interest in our Website and all related content. Nothing you do on or in relation to the Website will transfer to you:
- the business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright; or
- the right to use, reproduce, display or exploit a business name, trading name, domain name, trade mark or industrial design; or
- a system or process that is the subject of a patent, or copyright (or an adaptation or modification of such a system or process) of The Prosperity Pages.
No part of our Website, including its content, articles, general financial advice, or book reviews may be reproduced or reused for any commercial purpose whatsoever. You are not permitted to copy or imitate page headers, button icons, articles, advice, book reviews, custom graphics and all other types of graphics and information contained on this Website and which contains our intellectual property or those of a third party without express written permission (which may be granted or withheld in the owner’s absolute discretion).
Reviews and Comments
When visiting our social media pages, and subject to your compliance with these terms, you may post reviews and comments.
If your reviews or comments contains defamatory, misleading or false statements or is threatening, aggressive or contains obscenities, or is otherwise contrary to the relevant social media platform’s content or other rules, we may remove your reviews and comments and remove your access to our Website and social media pages.
You agree to indemnify us for all claims made against us resulting from your reviews or comments on our social media pages in breach of these terms and conditions.
You acknowledge that we are not the author of any reviews or comments on our social media pages and we are not responsible and do not assume any liability for any content posted by you or any third party.
If you are concerned about any reviews or comments, please contact us at support@theprosperitypages.com.au.
Force Majeure
We are not liable to you for any loss, damage or expense caused by any failure or delay in the delivery of services or access to our subscription services, including but not limited to fire, flood, tempest, earthquake, pandemic (including COVID-19), epidemic or other acts of God, riot, civil disturbance, theft, crime, strike, lockout, breakdown, war, any supply chain issues or any other matter beyond our control.
Suspending or Terminating Subscription Access
We may suspend or terminate your access to and use of our Website and subscription services without notice if you are found or even suspected to be in breach of these terms.
Viruses
We make every attempt to ensure our Website is free of viruses and other malicious code which may affect your computer systems. However, your access to and use of the website and subscription service is at your own risk. You must take your own precautions to protect your computer systems against any viruses and other malicious code. We shall not be liable for any damages or losses resulting from viruses or other malicious code that may affect your computer systems.
PRIVACY POLICY
We respect your right to privacy and are committed to safeguarding the privacy of our subscribers and visitors to the Website. We will comply with the Privacy Principles contained in the Privacy Act 1988 (Cth).
This policy sets out how we collect and treat your personal information in connection with the Website and other information you provide to us in other ways, including, without limitation, by phone and email.
What personal information do we collect?
We may, from time to time, receive and store personal information you provide to us directly or that we have obtained or validly received from third party platforms such as, but not limited to, LinkedIn or Zoom Info.
You may provide basic information such as your name, phone number, address and email address to enable us to send information, provide services and updates.
Additionally, we may also collect other personal information you provide while interacting with us.
How do we use your personal information?
We may use personal information collected from you to provide you with information, updates and services. We may also use your personal information to make you aware of and market any new and additional services and opportunities available to you. We may use your personal information to improve our services and better understand your needs.
How do we store your personal information?
We will store your personal information in our database for the time period allowed for under the Privacy Act 1988.
You may request details of personal information that we hold about you by emailing us at support@theprosperitypages.com.au.
How do we disclose your personal information?
We do not and will not sell or deal in personal information.
We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, or subcontractors. We will only do this to the extent it is reasonably necessary to provide our services to you.
We may from time to time need to disclose personal information to comply with our legal obligations.
We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of The Prosperity Pages or third parties.
Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia.
If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer (to the extent we are legally able to) our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances.
By providing us with personal information, you consent to the terms of this privacy policy and the types of disclosure covered by this Policy. Where we disclose your personal information to third parties, we will request that the third party comply with this privacy policy regarding the handling of your personal information.
How do we secure your personal information?
We are committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to or receive from us.
What rights do you have in relation to your personal information?
You have the right to access your personal information and require us to correct any of your personal information.
Changes to Privacy Policy
Please be aware that we may make changes to our privacy policy in the future. Please check back from time to time to review our privacy policy.
Cookies
A cookie is a small file placed in your web browser that collects information about your web browsing history. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any personal information (for example: name, address, email address or telephone number).
We may issue to and request from your computer “cookies” to enable more convenience browsing when you revisit the Website. Most web browsers automatically accept cookies, but you can opt-out of “cookies” by setting your browser to remove or reject “cookies”. If you choose to disable “cookies” that we use, you may experience reduced functionality of the Website.
GENERAL
General Advice Warning
The Prosperity Pages is published by The Prosperity Pages Pty Ltd ABN 50 673 683 951. The Prosperity Pages Pty Ltd is a Corporate Authorised Representative of Beryllium Advisers Pty Ltd ABN 30 646 510 769 (AFSL 528250). Information provided in The Prosperity Pages is general in nature. You should consider whether the advice is suitable for you and your personal circumstances. Before you make any decision about whether to acquire a certain financial product, you should obtain and read the relevant product disclosure statement (otherwise generally known as the ‘PDS’). We are not personal financial advisers (in any capacity), we do not provide investment advice that is tailored to your personal situation. Please remember that investments can fluctuate. Past performance is not necessarily indicative of future returns. The Prosperity Pages is not liable for any loss or damages arising from the use of its published information.
For more information, please read our Financial Services Guide (FSG).
Disclosure
Members, employees, associates and affiliated third parties of The Prosperity Pages may hold shares in the companies discussed on our Website and referenced in our content.
Governing Law
These terms and conditions are governed by the laws of Queensland, Australia. Both you and The Prosperity Pages irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of Queensland, Australia.
Language
The information and advice contained on our Website and available to subscribers will be provided in English and our general advice warning and weekly newsletters will additionally be translated into Chinese. Information and advice translated into Chinese is for convenience only and is not to be relied upon for accuracy of translation.
In the event of any conflict or ambiguity in the content or advice translated into Chinese, the English language version will prevail.
CONTACT US
The Prosperity Pages Pty Ltd
Level 3,54 Jephson Street,
Toowong, QLD 4066
support@theprosperitypages.com.au
Beryllium Advisers Pty Ltd
Level 3,54 Jephson Street,
Toowong, QLD 4066
operations@beadvisers.com.au
