Terms of Service

Last Updated: 31st of January, 2024

Mastering the Markets Financial Literacy Education – Terms of Service

Welcome to Mastering the Markets’ financial literacy education program! Before you begin your educational journey with us, it’s essential to understand the terms and conditions that govern your participation. By enrolling in our program, you acknowledge and agree to the following terms:

Disclaimer:

Dear [Participant/Student],

We sincerely appreciate your interest in Mastering the Market’s financial literacy education program. Please be aware that Mastering the Markets is not a licensed Australian Financial Services Licensee (AFSL) and does not offer financial advice, as defined by the Australian Securities and Investments Commission (ASIC).

Our financial literacy education program is crafted exclusively for educational purposes, aiming to enhance your understanding of financial concepts and principles. While our instructors are knowledgeable and qualified in their respective fields, they are not licensed financial advisers. The information provided during the program should not be construed as personalized financial advice.

By participating in our program, you acknowledge and understand that:

• Mastering the Markets does not hold an AFSL and does not provide financial advice.
• The information provided during the program is for educational purposes only and should not be considered a substitute for professional financial advice.
• Any decisions made based on the information provided during the program are your responsibility, and you should seek advice from a licensed financial professional for personalized guidance.

Mastering the Markets is not responsible for any actions, decisions, or consequences resulting from the information presented in the financial literacy education program. It is crucial to independently assess your financial situation and consult with a licensed financial adviser before making any financial decisions.

If you have specific questions or concerns about your financial situation, we encourage you to seek advice from a qualified professional.

Thank you for choosing Mastering the Markets for your financial literacy education. We are committed to providing valuable educational content to empower you in your financial journey.

Sincerely,

Mastering the Markets

Terms and Conditions:

Acceptance of Terms

By accessing or using our services, you agree to our Disclaimer & to be bound by the following Terms of Service (“Terms”). If you do not agree to these Terms & the disclaimer displayed above, please do not use our services.

Service Description

Mastering the Markets provides various online courses and access to exclusive forums where members can interact, exchange information, and enhance their investing skills.

User Accounts

To access certain features of our services, you must create an account. You agree to provide accurate and complete information and keep this information up to date. You are responsible for the security of your account and any activities under your account.

User Conduct

You agree to use our services only for lawful purposes. You are responsible for all content you post on member forums and agree not to use the forums to post any material that is defamatory, obscene, infringing on intellectual property rights, or otherwise injurious to third parties.

Course Enrollment and Access

When you enroll in a course, you gain a license to view the course via the Mastering the Markets platform and no other use. You may not transfer or sell your course license.

Payments and Refunds

Fees for courses and subscriptions are charged on a pre-pay basis. Refunds are available for online courses within a specified time after the purchase, provided the course has not been completed or excessively accessed.

Intellectual Property

All content provided by Mastering the Markets, including course materials, is protected by copyright and intellectual property laws. You may not copy, distribute, or create derivative works from our content without express permission.

Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information.

Modifications to Service

Mastering the Markets reserves the right at any time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice.

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, if you breach the Terms.

Disclaimer of Warranties

The service is provided on an “as is” and “as available” basis. Mastering the Markets expressly disclaims all warranties of any kind, whether express or implied.

Limitation of Liability

Mastering the Markets shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from the use of or inability to use the service.

Governing Law

These Terms shall be governed by the laws of New South Wales, Australia without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to update or change our Terms at any time and you should check these Terms periodically. Your continued use of the Service after we post any modifications will constitute your acknowledgment of the modifications and your consent to abide by the modified Terms.

Contact Us

If you have any questions about these Terms, please contact us at:

 

• • [email protected]

• • +61 431 371 346

• • 50 Clarence Street, Sydney NSW 2000

By using Mastering the Markets, you acknowledge that you have read these Terms of Service and agree to be bound by them.

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Privacy Policy

Privacy Policy

Mastering the Markets Pty Ltd ACN 671 639 704 (“we”, “us”, “our”, “Mastering the Markets”) is committed to protecting your privacy. This Privacy Policy is intended to explain how we and our related entities will collect and protect your privacy and should be read in conjunction with our Terms and Conditions.

We may in the course of providing our services to you be required to collect your personal, sensitive, credit, and confidential information.

We will always act in accordance with the Privacy Act 1988 (Cth) (“Privacy Act”) and the Australian Privacy Principles (“APPs”) when dealing with your personal information. We are also subject to the Privacy (Credit Reporting) Code 2024 (“Privacy Code”) in relation to our management of credit information.

Collection of Information

Personal information covered under this Privacy Policy

This Privacy Policy covers your personal information. Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an identified individual, or an individual who is reasonably identifiable. All personal information received in connection with Mastering the Markets is subject to strict rules of confidentiality.

Personal information we may collect from you

We may collect some or all of the following types of personal information:

• information that you give us through your dealings with us;
• information that we may collect from you; and
• information that we may receive from you from other third-party sources.

This information may include, amongst other things:

• your name;
• your contact details, including email address, mailing address, street address and/or telephone number;
• your age and/or date of birth;
• your credit card details;
• your demographic information, such as postcode;
• your preferences and/or opinions;
• information you provide to us through customer surveys, feedback, testimonials, etc.;
• your browser session and geo-location data, device and network information, statistics on page views and sessions, acquisition sources, search queries and/or browsing behaviour;
• information about your access and use of our Website, including through the use of internet cookies, your communications with our Website, the type of browser you are using, the type of operating system you are using and the domain name of your internet service provider;
• additional personal information that you provide to us, directly or indirectly, through your use of our Website, associated applications, associated social media platforms and/or accounts from which you permit us to collect information; and
• any other personal information requested by us and/or provided by you or a third party.

By agreeing to this Privacy Policy, you consent to the fact that you are aware that we are collecting your personal information and disclosing it as required by us and in accordance with the Privacy Act and any applicable APPs.

How personal information is collected

“Personal information” is data that identifies, relates to, describes, can be used to contact, or could reasonably be linked directly or indirectly to you. For the purposes of this Privacy Policy, there is no meaningful distinction between the terms “personal information” and “personal data.”

You may choose not to provide some of the personal information described above. Please note, however, that some of our services require some personal information to operate, so if you choose not to provide the personal information necessary to operate and provide you with a particular service or feature of that service, you may not be able to use that service or feature.

Information that you give us

We may collect your personal information directly from our contact with you. This may include by you completing forms or parts of our application, or by you contacting us via email, telephone, through social media, our community spaces, and other similar functions either directly through our Website or through third-party host sites, in person, through various marketing channels or competitions either directly through our Website or through third-party host sites, and surveys.

You understand that any personal information that you provide to us must be accurate and up to date. We will assume this to be the case. Your failure to comply with this obligation may impact on our ability to provide you with services.

Information that we collect about you

Our Website may automatically collect the following information about you each time you visit our Website:

1. technical information including but not limited to the Internet Protocol Address used to connect your computer to the internet, the internet browser and version that you are using when accessing our Website, any additional plug-ins that you are using, and your computer’s operating system and platform; and
2. information about the time and date you accessed on our Website, and what you accessed on our Website. This includes links that you clicked on, what content you accessed, how long you accessed that content for, whether you downloaded any content, whether supplied by us or downloaded from a third-party host, and how you navigated to and from our Website to other sites or other pages hosted by us.

How we use your personal information

You consent to the disclosure of your personal information to any of our related entities.

You consent to our collection of your personal information and disclosing it to third parties where necessary and for the purposes for which it was collected.

This may include:

1. using your personal information to provide you with information and services that you have requested from us;
2. using your personal information and providing it to trusted third parties to assist with operating our Website, conducting our business, or the provision of services to you;
3. authenticating your credit or debit card account information and processing transactions;
4. using your personal information for marketing purposes to provide or offer services to you. This includes our direct marketing to you or another third party whom you have authorised us to disclose your personal information to;
5. to notify you about any changes to our Courses, Website, brand, or services offered;
6. to seek your opinion and feedback on any of our services, including for the purposes of improvement and customisation, enhanced customer service, Website improvement, and personalisation and other general services;
7. for user engagement and/or customer service purposes, including but not limited to identifying the effectiveness of advertising, allowing you to participate on Website viral features such as sharing Website content and other community features (e.g., blogs, community spaces, etc.);
8. for other general services such as Website security, maintenance, identification of fraud or errors, internal accounting and administration, and for any other purpose that we are required or permitted to do by law; and
9. to manage our relationships with you and our other customers.

Professional obligations to disclose

We may be required to disclose your personal information for the purposes for which it was collected and also subject to our legal obligations:

1. as required by law;
2. to any person where necessary or desirable in connection with our provision of services; and
3. on a confidential basis to our external service providers and advisors.

To be clear, you consent to our disclosure of your personal information to any of our business partners, supplies, sub-contractors or the like, advertisers and other advertising networks, analytics, and search engine providers and other third parties provided the disclosure of your personal information is for the purpose or ancillary to the services that we or these third parties offer you and for the purposes the information was originally collected.

You understand that we are authorised to disclose your personal information to third parties in the event that we buy or sell any business or assets, including our business, if we are under a duty to disclose your information, or if the disclosure of your personal information is necessary for us to conduct an investigation into any unlawful activity that we know, or suspect has or may be engaged in.

You consent to the disclosure of your personal information to overseas recipients and warrant that you are aware that an overseas recipient of your personal information is not required to comply with the Privacy Act or the APPs. Please notify us immediately if you have any objections to us providing your personal information to any overseas recipient.

You consent to the disclosure of all information necessary for us to comply with any relevant reporting obligations (if any) pursuant to the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

We will endeavour to take all reasonable steps to ensure that any overseas recipient of your personal information does not willingly or knowingly breach the APPs in relation to your personal information.

How we store your personal information

We are committed to ensuring that the personal information we collect is secure and we will endeavour to take all reasonable steps to store your personal information securely.

Once we receive your information, we take reasonable steps to protect your personal information. This may include storing any information on a secure server and employing strict procedures and security features to protect your personal information from any unauthorised recipients and to prevent unauthorised access to the same. We may also store your personal information in physical form.

All our employees with access to your information will be held to the confidentiality obligations as set out in this Privacy Policy.

We will only keep your information for as long as reasonably necessary to fulfil the purposes for which your personal information was originally collected. We will delete your information after a reasonable time. You may be required to re-enter your personal information if it has been deleted.

You agree and acknowledge that your personal information may be stored at or transferred within Australia or a destination outside of Australia.

We will take all reasonable steps and precautions to ensure that any transmission of your personal information via the internet is secure. However, we cannot guarantee the security of any data transmitted to our Website and you agree and acknowledge that any such transmissions are at your own risk.

Data Breaches

We will manage any data breaches in accordance with the mandatory Notifiable Data Breaches Scheme (“NDB Scheme”).

Our Obligations under the NDB Scheme

In accordance with the NDB Scheme, in the event of a suspected data breach we will:

1. contain the breach and, if possible, take remedial action; and
2. commence the requisite assessment process to determine whether the data breach is likely to be an “eligible data breach” for the purposes of the NDB Scheme. An “eligible data breach” being one where;
   1. there is unauthorised access to, unauthorised disclosure of, or loss of, personal information held by us;
   2. the access, disclosure or loss is likely to result in “serious harm” to any of the individuals to whom the information relates. In this context, “serious harm” refers to serious physical, psychological, emotional, financial, or reputational harm to an individual or individuals; and
   3. we have not been able to prevent the likely risk of serious harm with remedial action.

If we have reasonable grounds to believe that an “eligible data breach” has occurred, we will:

1. prepare a statement to the Office of the Australian Information Commissioner (“OAIC”) as soon as practicable (“OAIC Statement”);
2. notify the individual to whom the information relates as soon as practicable after the statement has been prepared; and
3. provide that individual with a copy of the OAIC Statement.

If we are unable to locate the individual to whom the eligible data breach relates for the purpose of providing them with a copy of the OAIC Statement, a copy of the OAIC Statement will be posted on our website.

Community spaces

Our community spaces, including member-based forums, allow you to interact with other students. Please note that any information you disclose in our community spaces becomes public information. We cannot control the actions of other users and advise you to exercise caution when deciding to share personal information on our community spaces.

Cookies

We may use cookies on our Website from time to time. Cookies are text files placed in your computer’s browser to store your preferences. Cookies, by themselves, do not tell us your email address or other personally identifiable information. However, they do allow third parties, such as Google and Facebook, to cause our advertisements to appear on your social media and online media feeds as part of our retargeting campaigns.

If and when you choose to provide our Website with personal information, this information may be linked to the data stored in the cookie. If you enabled cookies when accessing our Website, we will take this as consent to our use of cookies and other technologies mentioned in our Privacy Policy.

Links to other websites

Our Website may contain links to other websites. We do not have any control over those websites, and we are not responsible for the protection and privacy of any personal information which you provide whilst visiting those websites. Those websites are not governed by this Privacy Policy.

Your rights

You have the right to request access to the personal information we hold about you by contacting us.

If we cannot provide you with access to your personal information, we will write to you and provide you with the reasons why we are unable to provide you with access.

If any personal information that we hold about you is inaccurate, incomplete, or not up to date, you may contact us at the below addresses and request that we correct your personal information.

You have the right to request that we do not disclose your personal information (for example, for marketing purposes).  You can exercise your rights by unchecking the relevant check boxes on our Website when you provide us with your personal information, or by contacting us at the below addresses.

You may choose to opt out of receiving any further correspondence from us by contacting us at the following addresses:

By post:
Mastering the Markets
50 Clarence Street
SYDNEY NSW 2000

or by email: [email protected]

Complaints

If you are concerned about a possible interference with your privacy or about the potential misuse of your personal information, please contact us at the above addresses.

We take all complaints very seriously. It is our policy to handle complaints in a timely, effective, fair, and consistent manner. If you are not satisfied with our response, you have the right to refer your complaint to the Office of the Australian Information Commissioner, which can be reached as follows:

Office of the Australian Information Commissioner
GPO Box 5218
Sydney NSW 2001
Telephone: 1300 363 992

Email: [email protected]

Privacy Policy Updates

We reserve the right to make changes to this Privacy Policy at any time. We encourage you to regularly review this Privacy Policy to make sure you are aware of any changes and how your information may be used.

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