This site and the information provided on this website (“Website”) is owned HUBB Australia Pty Limited ACN 080 285 801 (Hubb) an Authorised Representative of Investment Educators Australia Pty Limited ACN 105 216 340 and the holder of an Australian Financial Services Licence (No: 241060). In providing the information on this Website, Hubb is not providing advice and does not take into account the investment objectives, financial situation and particular needs of any particular person. Investments in securities or derivatives involve risk. Before making an investment decision, an investor needs to consider, with or without the assistance of a Securities Adviser, whether the information on this Website is appropriate in light of their particular investment needs, objectives or financial circumstances.
Terms and Conditions.
Hubb makes the information, materials, products and services available on this Website, subject to the following terms and conditions and the terms and conditions of all applicable software licenses, account, subscription and other agreements, disclaimers and legal notices that appear, or may appear periodically on this Website and/or must be agreed to by you in the software registration or subscription process in order to use the applicable information, materials, products or services. By accessing this site users (“you”) unconditionally agree to accept to be legally bound by these Terms and Conditions in addition to those contained in any other relevant agreements, disclaimers, licenses and legal notices. If you do not agree with any part of these terms and conditions, you must not use this Website.
Hubb reserves the right to change these terms and conditions from time to time, without notice, at its sole discretion.
Third party information and Website Links
This Website contains or may contain references and links to other companies and/or their websites. Hubb makes no representations, warranties or endorsements whatever about any other websites to which you may have access through this Website, or any products or services of those other companies, even if the products and services of those other companies or their websites are described or offered on this Website or integrated with Hubb's products or services.
This Website contains or may contain articles written by third parties. These articles are provided for your interest, however at no time should they be construed to be the views of Hubb or to constitute trading advice.
Website information
Hubb reserves the right to change any information related to our products or services on this Website or in other mediums at any time, without notice. This includes all pricing, special offer and any other information. Information currently displayed on the Website reflects the information current on this day and Hubb is under no obligation to honour any previous pricing or special offers that may have been previously included on this Website or other information source.
Submission of ideas
Any information you provide to Hubb in relation to its products or services, other than personal information will become the property of Hubb and may be used for any purpose, in any media now known or hereafter devised. This includes any suggestions, improvements and other information, ideas, concepts, know how, works of authorship, inventions and corrections to problems, whether written or oral that are provided to Hubb by you. By sending Hubb any such information, you are granting Hubb an unrestricted, irrevocable, royalty-free, perpetual license to use, reproduce, display, perform, modify, transmit, distribute and otherwise exploit such information and materials, without any obligation to you at any time.
Restriction on use of materials
The copying, redistribution, retransmission or publication of any material available on this Website or any Hubb products or service is strictly prohibited without the written consent of Hubb.
The software, data and accompanying documentation available to be purchased or downloaded from this site are the copyrighted work of Hubb or its licensors. Should you download software from the Website, the software including any files, images included in or generated by the software, data accompanying the software and associated documentation (collectively referred to as the “Software”) are licensed to you by Hubb, subject to the Licensing Agreement included in the Software. Hubb does not transfer any rights, title or interest in the Software to you and you may not redistribute, sell, decompile, reverse engineer or dissemble the Software.
Use of Website Information
Where permission is granted to copy, print or distribute Hubb information, it is subject to the following conditions:
- The information may be used solely for the manner and for the purposes expressed or implied through information on the Website or as otherwise agreed to in writing with Hubb.
- The information may not be altered or modified in any way, except as authorised in writing by Hubb.
- Any copy of the information or any portion thereof must include the copyright notice:
Copyright © HUBB Financial Group, 2008. All rights reserved.
- Hubb reserves the right to revoke any given authorisation at any time in writing, at which point any such use must be discontinued immediately.
Online Coaching Classes
On-line coaching classes or sessions are sold as part of a program. We reserve the sole right to determine all class content or to cancel or reschedule a program or class. All classes are recorded. If you miss a class it will be available for your viewing for during the balance of a program. If you miss the recorded class or wish to re-attend an entire program a re-attendance fee will be charged.
Data Renewal
Certain Software products sold by Hubb require and are sold with an initial data service (“Data Service”). subscription required to access the software. At the expiry of that initial subscription period a renewal fee will automatically become due and payable. A renewal notice will be sent to you before the expiry of the initial subscription period. When payment is not received by the due date, access to that Software product will be denied. By using the Data Service you acknowledge that the Data Service is proprietary to Hubb and no warranties of any kind are given in respect of that Data Service.
Limitation of Liability
All products, data, services, information, software and downloads on this site are offered or provided "as is". To the fullest extent permitted by applicable laws, neither Hubb nor any of their respective directors, employees, affiliates or other representatives will be liable for loss or damages arising out of or in connection with the use of, or inability to use, the materials in and/or facilities or services offered through this website, including, but not limited to, indirect or consequential loss or damages, loss of data, income, profit or opportunity, loss of or damage to property and claims of third parties, even if Hubb have been advised of the possibility of such loss or damages or such loss or damages were reasonably foreseeable. If this clause is unenforceable in whole or in part in any jurisdiction due to relevant laws, then in no event shall Hubb total liability to you for all damages, losses, and claims (whether in contract, tort (including, but not limited to, negligence), or otherwise) exceed the amount paid by you for any product or service including any money paid, if any, for accessing this website.
Statutory Warranties
Where legislation (including the Trade Practices Act 1974 in Australia) implies warranties or conditions or imposes obligations which cannot be excluded, restricted or modified except to a limited extent these Terms and Conditions must be read subject to any such statutory provisions.
If such statutory provisions apply, to the extent to which Hubb are entitled to do so, the liability of each will be limited at their option to:
- in the case of supply of goods, the replacement of the goods or supply of equivalent goods, the payment of the cost of replacing the goods or acquiring equivalent goods, the payment of the cost of having the goods repaired or the repair of the goods; and
- in the case of services, the supply of the services again, or the payment of the cost of having the services performed again.
Variations
Hubb reserves the right to change any information related on this Website at any time, without notice at its sole discretion by posting an updated version of these Terms and Conditions. Hubb may also make changes in the products, services and software described in this site at any time without advance notice. Hubb does not warrant that the information contained on this Website is accurate or error free.
Governing Law:
These terms and conditions are governed by the laws of New South Wales and both parties submit to the non-exclusive jurisdiction of the courts of this State.
PRIVACY POLICY
Hubb is committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of the Hubb website.
If you have any questions regarding our privacy statement, please feel free to contact us by email at info@hubb.com.
Gathering of Information
Voluntary Submission
Hubb does not collect personally identifying information about any individual Website user except when knowingly provided by such individual. For example, we may ask you for information when you register to purchase our products and services. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most the Websites, but you may be unable to access certain options and services.
Cookies & Browser Level Information
Hubb uses cookies solely to track user traffic patterns throughout the Website. We use this data on an anonymous basis and we do not correlate this information with personal data of any user.
Most website browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from our website, you may not be able to use certain features of the site.
Browser level information is collected in a database and used in an aggregated, anonymous manner in our internal analysis of traffic patterns within our website. This information is automatically logged by most websites.
Use of Information
Our primary goal in collecting user information is to enhance your experience on our website. We achieve this goal by, among other things, providing interactive communications such as our electronic newsletters to the email address that you provide to us, and developing future editorial content based on your interests. To develop content targeted to your interests, we use aggregated user information to determine which areas of our website users prefer based upon traffic to those areas. We do not track what individual users read, but instead how well each page or content area performs overall.
We do not disclose personally identifying information about our users to these parties.
Hubb may also disclose information about our users when we believe, in good faith, that the disclosure is required by law.
When you are on an area of Hubb and are asked for personal information, you are sharing that information with Hubb as well as business partners and vendors providing hosting and other services for Hubb. If you do not want your information to be shared, you can choose not to allow the transfer of your information by not using that particular service. These parties, as well as advertisers who contract directly with a third-party service to serve their advertisements, may set their own cookies.
In addition, any personally identifiable information provided by you as part of an advertiser promotion online may be provided directly to advertisers.
Please be aware that Hubb sponsors, advertisers or websites that have links on our site may collect personally identifiable information about you. The information practices of those parties and websites linked to Hubb are not covered by this privacy statement. Hubb users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.
Children under 13: Do not send any information about yourself to us, including information such as your name, address, or email address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible.
How to Contact Us
If you have any questions regarding our privacy statement, please feel free to contact us by email at info@hubb.com. Revised and posted as of: 29 September 2008
REFUND POLICY
Products purchased through Hubb, which qualify for a refund as per the terms and conditions of purchase, are payable within 30 days from the date of authorisation, return of materials and receipt by Hubb of a written or verbal request prior to the expiry of the guarantee period.
Clients are required to contact the Returns Officer prior to the return of goods to qualify the return criteria. Upon confirmed qualification, a Return Merchandise Authorisation number will be issued. The Return Merchandise Authorisation number is valid for 14 days, at which time the application will lapse and the refund request is no longer valid. Clients wishing to return goods after this time will need to contact the Returns Officer and re-apply. Hubb will not accept delivery for any returned material that does not note the Return Merchandise Authorisation number clearly on the outside packaging.
Hubb recommends all clients return goods via a registered or secured method of post. Although it is left to the discretion of the client, Hubb accepts no responsibility for goods lost in transit.
Returned materials must be received in an intact and re-saleable condition. Quality Assurance on returned materials will be conducted by Hubb within3 working days of receipt of goods.
Applications for refunds will be approved only when goods comply with Hubb's Quality Assurance standards.
Refund payments for approved returned products will be made via the method of original purchase, with the exception of Direct debit payments, which will be refunded by cheque. Please note in credit card refunds, that payments may take 3-5 working days from date of terminal approval to show on the cardholder's account. This can be confirmed by the cardholder with their institution.
Any enquiries associated with the Terms and Conditions of refunds and returns must be directed to the Returns Officer on telephone +61 2 8213 6000, facsimile +61 2 9972 7769 or in writing to:
HUBB (Australia) Pty Ltd
Unit 5, 4 Skyline Place
Frenchs Forest
NSW 2086
Australia
Disputes
We strongly encourage continuous improvement at Hubb and welcome all feedback concerning our products and services, staff and business practices. Whether it’s paying a compliment or making a complaint, your feedback is the key to improving our products and services.
If our level of service or quality of products has failed to meet your expectations we will do our best to solve any problems or issues that you might have and use your experience for continuous improvement purposes.
Making a complaint
Hubb’s policy is to ensure that your feedback is treated seriously and that your concern is addressed promptly and fairly. If you have a complaint please give us the opportunity to fix the problem. We will investigate the complaint, answer your questions and do all we can to resolve the complaint. To assist us please:
- Collect all supporting documentation about the matter of grievance; please take some time to think of the questions that you would like us to respond to and what your ideal outcome would be (if any), and;
- Contact the Customer Care, you will be assigned a team member to review your communication, please be assured that this person will have the necessary authority to review your case.
Please send all correspondence to:
Customer Care
HUBB (Australia) Pty Ltd
Unit 5, 4 Skyline Place
Frenchs Forest
NSW 2086
Australia
or email info@hubb.com
We aim to resolve most issues within 21 days. However, some matters are more complex and can take longer to resolve. If that is the case, we'll keep you informed of our progress.
Dispute Resolution
If despite our best efforts, you believe your complaint has not been satisfactorily dealt with, you may wish to lodge a written complaint with The Department of Fair Trading in your State.
You are also entitled to refer the matter to the Financial Ombudsman Service Limited (“FOS”), an independent complaints handling body (Hubb’s Membership Number is 11550). FOS can be contacted at:
RETAIL SERVICES
Contact Numbers
DISCLAIMER
