Terms and Conditions

Firstlinks is owned and operated by Morningstar Australasia Pty Limited, ACN 090 665 544. Your access to and use of all information on this website (http://www.firstlinks.com.au) or associated mobile applications (“Website”), related newsletters and your provision of content to Firstlinks (“Contents”), are subject to these Terms and Conditions.

Firstlinks provides a community forum for publishing articles and comments of a general financial nature intended to educate and inform.

We reserve the right to amend these Terms and Conditions at any time. Your continued use as either a reader of or contributor to the website or newsletter following any amendments will represent your agreement to be bound by these Terms and Conditions as amended. We therefore recommend that each time you access our Contents you read these Terms and Conditions. If you object to any changes to the Terms and Conditions, your only remedy is to discontinue your use of our Contents.

Registered Users

1. In order to comment or receive our weekly newsletter, you must register by providing certain information as set out on our registration or comments pages. Please refer to our Privacy Policy for information relating to our collection, storage and use of the details you provide on registration.
   
   
2. We reserve the right to terminate your registration at any time if you breach these Terms and Conditions or the Community Rules Policy.
   
   
3. Your continued use of this Website and subscription to receive our newsletters or any other Contents will constitute your acceptance of any changes.

Internet Security and Site Access

1. Firstlinks is distributed via the internet, and it is your responsibility to ensure accessibility and security. We do not guarantee delivery of any Contents via email or the ongoing availability of the Content on the Website.
   
   
2. When you visit our Website, we give you a limited licence to access and use our Contents.
   
   
3. The licence to access and use the Content on our Website does not include the right to use any data mining robots or other extraction tools. The licence also does not permit you to metatag or mirror our Website without our prior written permission. We reserve the right to serve you with notice if we become aware of your metatag or mirroring of our website and we reserve the right to terminate your access to the Website and access to our Contents.

Hyperlinks

1. The website may from time to time contain hyperlinks to other websites. Such links are provided for convenience only and we take no responsibility for the content and maintenance of or privacy compliance by any linked website. Any hyperlink on our Website to another website does not imply our endorsement, support, or sponsorship of the operator of that website nor of the information and or products which they provide.
   
   
2. You may link to our website without our consent. Any such linking will be entirely your responsibility and at your expense. By linking, you must not alter any of any Contents on our Website including any intellectual property notices and you must not frame or reformat any of our pages, files, images, text or other materials.

Intellectual Property Rights

1. The copyright to all the Content on this Website, any related app including applets, graphics, images, layouts and text, and newsletters, belongs to Morningstar or the respective author. All authors must give Morningstar the right to use those materials and authorise third parties to republish. Your use of any material will be subject to Copyright Act 1968 (Commonwealth), unless otherwise authorised by our prior written permission.
   
   
2. You may not claim, as an individual or a representative of a company, that you are the author of any content on this website.
   
   
3. We encourage financial education and the flow of information and you can republish or reproduce a piece of Content online or in print for personal use only and not for commercial purposes. If you wish to systemically use our content regularly, please contact us to make commercial arrangements.
   
   
4. When republishing or reproducing a piece of Content, you must note the article was originally published by Morningstar, and name the author, their company and add a link to www.firstlinks.com.au. You are prohibited from selling any Content. Unless you have express permission from Morningstar or the author, you cannot edit our material and you cannot delete or change any content, copyright symbol, trade mark or other proprietary notice. If you wish to materially edit our content, please contact us. When you credit Morningstar, ideally at the top of the article and including our logo, you must link back to either our home page or the specific article. You are permitted to run a few introductory lines with a link back to the article page on our site.
   
   
5. Third party articles contributed to or published with permission by Morningstar are copyright of their respective authors and Morningstar and may not be edited by any person for any purpose without prior written consent of Morningstar.
   
   
6. Morningstar believes authors provide articles with the intention of broad distribution. Morningstar may authorise third parties to republish articles and any person who writes for or is published in Firstlinks is considered to have agreed to both publication in Firstlinks (and related material) and republication by third parties unless we are informed otherwise. We request third parties include details of the author name and their company but we cannot guarantee this will happen in every circumstance. We also request attribution to Firstlinks but we do not request links back to the author company’s website. Any author who sends an article to Firstlinks, or any author who has agreed to be published in Firstlinks, gives Morningstar the right to use the material in any way suitable for publishing in a financial journal.
   
   
7. All trade-marks, brands and logos, whether registered or not, including the Firstlinks and Morningstar name and logos, which are used on this website, are either owned by us or we have a right to use them. Your access to our website does not license you to use those marks in any commercial way without our prior written permission.
   
   
8. Any comment, feedback, idea or suggestion (called ‘Comments’) which you provide to us through this website become our property. We may use your Comments in promoting our website or in any other way. You agree that we are entitled to use your Comments for any commercial or non-commercial purpose without compensation to you or to any other person who has transmitted your Comments.
   
   
9. If you provide us with Comments, you acknowledge that you are responsible for the content of such material including its legality, originality and copyright.
   
   
10. If you are a copyright owner or an agent thereof and believe that any content on this site infringes your copyright, or if you believe we have made inaccurate statements, please contact us and we will address the issue.
    
    
11. If you provide Morningstar with an article, you confirm that you are licenced or otherwise authorised to republish images in the articles, which may be subject to their own copyright or republishing guidelines.

Disclaimers

1. Whilst we take all due care in providing our services, we do not provide any warranty, either express or implied, including without limitation warranties of merchantability or fitness for a particular purpose.
   
   
2. To the extent permitted by law, any condition or warranty which would otherwise be implied into these Terms and Conditions is excluded.
   
   
3. We take all due care in ensuring that our website is free of any virus, worm or Trojan horse malware, however we are not responsible for any damage to your computer system which arises in connection with your use of our website, any linked website or emails from us.

Limitation of Liability

1. Use of the Website and Content is at your risk. None of Morningstars’ affiliates or directors, officers, contributors or third party content providers makes any express or implied representation or warranty about, or shall be liable, in contract, tort (including negligence) or otherwise, for any direct, indirect, special or consequential loss, damages or reliance in connection with the website or related emails, its use, its content or any products or services referred to therein.
   
   
2. To the full extent permitted by law, our liability for breach of an implied warranty or condition is limited to the supply of the services again.
   
   
3. We do not accept liability for anything contained in the comments of a user or in any form of communication which originates with a user.
   
   
4. We do not participate in any way in the transactions between our users.

Indemnity

1. By accessing our Website and the Contents you agree to indemnify and hold us harmless from all claims, actions, damages, costs and expenses including legal fees arising from or in connection with your use of our Website and the Contents.

Information Security

1. We undertake to take reasonable care to secure any personal information which you provide to us when accessing our website. However, we do not warrant and cannot ensure the complete security of any information provided over the internet. You transmit to us entirely at your own risk.
   
   
2. Our compliance with privacy is set out in our separate Privacy Policy

Jurisdiction

1. These Terms and Conditions are to be governed by and construed in accordance with the laws of NSW and any claim made by either party against the other which in any way arises out of these Terms and Conditions will be heard in NSW and you agree to submit to the jurisdiction of those Courts.
   
   
2. If any provision in these Terms and Conditions is invalid under any law, the provision will be limited, narrowed, construed or altered as necessary to render it valid but only to the extent necessary to achieve such validity. If necessary the invalid provision will be deleted from these Terms and Conditions and the remaining provisions will remain in full force and effect.