General

Before you begin to use this website, please read these Terms of Use. If you do not understand or do not agree with these Terms of Use, please navigate away from this website.

Through your use of this website, you acknowledge and agree that the Terms of Use constitute the rules and conditions of access to, use of and supply of information from this website. The Terms of Use may be amended by us from time to time and published on this website. These amendments may be made without any notice to you and apply to your next usage of this website. You are responsible for ensuring you regularly review this website and these Terms of Use, in which case, your continued use of this website after any such changes are made will be deemed to constitute your acceptance of those changes.

If you object to any of the Terms of Use or any subsequent changes to them, or become dissatisfied with your use of the website in any way, your only remedy is to immediately stop using this website.

These Terms of Use cover IQ Ventures Pty Ltd, its affiliated businesses and subsidiaries (collectively, (“the Company”, “we”, “us” or “our”). The services include our websites (including this one).

If hyperlinks and other redirection tools taking the user to other websites operated by third parties (“Third Party Sites”) appear on this website, you acknowledge that these Third Party Sites may not be controlled by us and do not form part this website and agree that you will not hold us liable or in any way accountable for anything that occurs on Third Party Sites.

1. Website Access and Availability

We reserve the right to modify, discontinue or disable all or part of this website, on either a permanent or temporary basis, at any time. We may suspend, terminate or limit your access to all or part of the Website at any time if you breach the Terms of Use.

2. Website Use

Your right to use this website is personal to you. You are permitted to use this website solely for your own personal use. You are solely responsible for the contents of your transmissions through this website. Your use of this website is subject to all applicable local, state, national and international laws and regulations. You agree: (a) to comply with all applicable statutes, orders, regulations, rules, and other laws, including such laws regarding the transmission of technical data through this website; (b) not to use this website for any fraudulent or illegal purposes; (c) not to take any action to interfere with this website or any other user's use of this website and to respect the rights and dignity of others; (d) not to interfere or disrupt networks connected to the Company; (e) to comply with all applicable regulations, policies and procedures of networks connected to this website; (f) not to use any data mining, robots or similar data gathering and extraction methods in connection with this website; (g) not to post, upload, share, transmit, distribute, facilitate distribution of or otherwise make available to or through this website any unlawful, infringing, harmful, harassing, defamatory, threatening, intimidating, fraudulent, tortious, vulgar or otherwise objectionable material of any kind, including unauthorized or unsolicited advertising; (h) not to reproduce, duplicate or copy any portion of this website, except as authorized by this Agreement; (i) not to sell, resell or otherwise exploit for any commercial purposes any portion of, the use of or access to this website without the prior written consent of the Company; (j) not to impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with any person or entity in connection with this website, or express or imply that we endorse any statement you make; (l) not to remove any copyright, trademark or other proprietary rights notice from this website; (m) not to violate or attempt to violate the security of this website; (n) not to disseminate on this website any viruses, worms, spyware, adware or other malicious computer code, file or program that is harmful, invasive or may or is intended to damage or hijack the operation of, or monitor the use of, any hardware, software or equipment; (o) not to assist or permit any persons in violating this Agreement or applicable statutes, orders, regulations, rules, and other laws governing the use of this website. (p) not to frame or utilize framing techniques to enclose any trademark, logo, or other assets (including images, text, page layout or form) of the Company; (q) not to use any metatags or other "hidden text" using the Company's name or trademarks; (r) not to modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any part of the website except to the extent the foregoing restrictions are expressly prohibited by applicable law; (s) not to use any manual or automated software, devices or other processes (including but not limited to spiders, robots, scrapers, crawlers, avatars, data mining tools or the like) to "scrape" or download data from any web pages contained in this website (except that we grant the operators of public search engines revocable permission to use spiders to copy materials from this website for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials); and (t) not to access this website in order to build a similar or competitive website or application.

3. Intellectual Property

Our Content

All copyright and other intellectual property rights subsisting in the website and the content and materials on this website (including, without limitation, the software, design, text and graphics and the selection and layout of this website) are owned by or licensed to us and protected by copyright under the laws of Australia and other countries.

You may not distribute, reproduce, frame, transmit (including broadcast), communicate, adapt, distribute, sell, publish, alter, modify or create derivative works from any part of the website or the content on the website except as permitted by statute or with our written consent.

Linking to the website

You may create a link to pages of the websites. However, you must not:

• display any page of the website in any distorted or altered form;
• create a link to the website on any Outside Site unless that Outside Site conforms to accepted standards of public decency and good taste, does not expose us to any risk of liability under any criminal or civil law (including liability arising from the infringement of a third party’s rights) and does not disparage us or our goods or services; or
• create any link or use any link in any way to represent or imply falsely, deceptively or confusingly that: a.we sponsor, endorse or are affiliated with or related to any third party (including you) or product; or b.you are providing, or are the source of, any goods or services provided by us.

We reserve the right to withdraw linking permission by giving notice to you or updating this Terms of Use.

You agree to indemnify us against all actions, claims, costs, demands, damages or liability arising in any manner from any link that you create.

4. User-Submitted Information

You are responsible for any Content that you upload, post, email, transmit or otherwise make available on or through this website, whether publicly posted, privately transmitted, or sent to any AI powered virtual advisor. You agree, represent and warrant that any Content you transmit through our website or to us is truthful, accurate, not misleading and offered in good faith, and that you have the right to transmit such Content. You shall not upload, post or otherwise make available on or through this website any Content protected by copyright, trademark or other proprietary right of any third party without the express written permission of the owner of such right(s) or the authority to do so. You shall be solely liable for any damages resulting from any infringement of copyright, trademark or other proprietary rights, or any other harm resulting from such a submission. We do not want you to, and you should not, send any confidential or proprietary Content to us unless specifically requested by us. Please note that any unsolicited Content sent to the Company will be deemed not to be confidential or proprietary.

You agree not to transmit through our website any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature. You further agree not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national or international law or regulation. We may (but have no obligation to) to remove any Content you transmit through our website for any reason (or no reason). In addition, if we become aware of any possible violations by you of any provisions of the Terms, we reserve the right to investigate such violations and we may, at our sole discretion, immediately terminate your license to use the website, or change, alter, or remove Content you transmit through our Website, in whole or in part, without prior notice to you.

By submitting Content, other than personally identifiable information, you grant to the Company (or warrant that the owner of such Content has expressly granted to the Company) a non-exclusive, worldwide, royalty-free, transferable, and sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against the Company, its sublicensees or its assignees. You represent and warrant that none of the following infringe any intellectual property or any other right of any third party: your provision of content to the Company, your posting of content using the services, and the use of such content (including of works derived from it) by us, our users, or others in contract with us that is done in connection with the services and in compliance with these Terms.

5. Third Party Services

Third Party Websites, Content and Ads

This website contains (or you may be sent through this website) links to Third Party Sites, as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, software, applications, and other content belonging to or originating from third parties (the "Third Party Content") and advertisements for third parties ("Third Party Ads"). When you click on a link to a Third Party Site or Third Party Ad or engage with Third Party Content, we will not warn you that you have left this website and are subject to the terms and conditions (including privacy policies) of another website or destination. Such Third Party Sites, Third Party Content, and Third Party Ads are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Sites accessed through this website or any Third Party Content or Third Party Ads posted on or through this website, including without limitation the content, validity, truthfulness, completeness, usefulness accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Sites, Third Party Content, or Third Party Ads, or other Content on our website other than from an authorized Company representative acting in his or her official capacity. Any information, statements, opinions or other Content provided by third parties and made available on our Website are those of the respective author(s) and not the Company.

Links To Third Party Sites or Third Party Content

Inclusion of or linking to any Third Party Site or any Third Party Content is solely as a convenience to users and does not imply approval or endorsement thereof by us. If you use these links, you will leave our Website. If you decide to visit any linked website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Under no circumstance will the Company be liable for any loss or damage caused, directly or indirectly, by your reliance on any such third-party Content. The Company does not make any warranty or representation regarding, or endorse or otherwise sponsor, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that the Company is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked website is authorized to use any trademark, trade name, logo or copyright symbol of the Company. YOU AGREE THAT YOUR USE OF THIRD-PARTY WEBSITES AND RESOURCES, INCLUDING WITHOUT LIMITATION YOUR USE OF ANY CONTENT, INFORMATION, DATA, ADVERTISING, PRODUCTS OR OTHER MATERIALS ON OR AVAILABLE THROUGH SUCH WEBSITES AND RESOURCES, IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CONDITIONS OF USE APPLICABLE TO SUCH WEBSITES AND RESOURCES. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from this website.

6. No Warranty

YOU UNDERSTAND AND AGREE THAT: (a) TO THE EXTENT PERMITTED BY APPLICABLE LAW, THIS WEBSITE IS PROVIDED "AS-IS" AND WITH ALL FAULTS. (b) USE OF THIS WEBSITE IS AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF CONTENT AND/OR DATA FROM THE WEBSITE. (c) THIS WEBSITE IS PROVIDED FOR ENTERTAINMENT PURPOSES ONLY AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, COMPANY, ON BEHALF OF ITSELF AND ITS SUPPLIERS, DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY, REPRESENTATION OR CONDITION OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT AND IT MAKES NO WARRANTY, REPRESENTATION OR CONDITION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE, THE ACCURACY OR RELIABILITY OF ANY CONTENT OBTAINED THROUGH THIS WEBSITE, ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THIS WEBSITE, OR ANY TRANSACTIONS ENTERED INTO THROUGH THIS WEBSITE, AND MAKES NO WARRANTY, REPRESENTATION OR CONDITION THAT THIS WEBSITE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR THROUGH THIS WEBSITE SHALL CREATE ANY WARRANTY, REPRESENTATION OR CONDITION (d) ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS OR OTHER INFORMATION GIVEN BY A THIRD PARTY, INCLUDING ADVISORS, ARE THOSE OF THE RESPECTIVE THIRD PARTY, NOT OF COMPANY. NEITHER COMPANY, NOR ANY ADVISORS, ARE EVER (1) PROVIDING FINANCIAL ADVICE OR FUNCTIONING IN ANY WAY AS A LICENSED FINANCIAL ADVISOR; (2) PROVIDING MEDICAL ADVICE OR FUNCTIONING IN ANY WAY AS A LICENSED DOCTOR, NURSE OR MEDICAL PRACTITIONER; OR (3) PROVIDING LEGAL ADVICE OR FUNCTIONING IN ANY WAY AS A LAWYER OR LEGAL ADVISOR. YOU SHOULD CONSULT WITH A LICENSED PROFESSIONAL BEFORE MAKING ANY FINANCIAL, MEDICAL OR LEGAL DECISIONS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, REPRESENTATIONS OR CONDITIONS, THE LIMITATION OR EXCLUSION OF IMPLIED WARRANTIES, OR LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY MAY LAST, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY IN FULL TO YOU.

7. Limitations of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS AND THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES (COLLECTIVELY, "INDIRECT DAMAGES") ARISING OUT OF OR IN CONNECTION WITH THIS WEBSITE OR THESE TERMS (HOWEVER ARISING, INCLUDING NEGLIGENCE), EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT DAMAGES ARISING OUT OF OR IN CONNECTION WITH: (a) THE USE OF OR THE INABILITY TO USE THIS WEBSITE; (b) ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THIS WEBSITE, OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THIS WEBSITE; OR (c) LOSS OF, UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR TRANSMISSIONS OR DATA. THE LIABILITY OF COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS AND SUPPLIERS TO YOU OR ANY THIRD PARTIES ARISING OUT OF OR IN CONNECTION WITH THIS WEBSITE OR THESE TERMS (HOWEVER ARISING, INCLUDING NEGLIGENCE) IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES YOU PAID TO US AFTER PAYMENTS TO ADVISORS AND OTHER THIRD PARTIES IN THE TWELVE (12) MONTHS PRIOR TO THE ACTION GIVING RISE TO LIABILITY, OR (B) $200. SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES. ACCORDINGLY, SOME OF THE LIMITATIONS AND EXCLUSIONS SET FORTH ABOVE MAY NOT APPLY TO YOU.

8. Indemnification

You agree to indemnify, defend and hold harmless the Company and its parent, subsidiaries, affiliates, officers, directors, employees, suppliers, consultants, contractors, and agents (the "Company Parties") from any and all claims, liability, losses, damages and/or costs (including, but not limited to, reasonable attorneys' fees) arising from your use of this website, your violation of these Terms, unsolicited information you provide to the Company through this website, or your violation of any third party's rights, including without limitation, infringement by you or any other user of your account of any intellectual property or other right of any person or entity. These Terms will inure to the benefit of the Company's successors, assigns, and licensees.

9. Minors

If you are under the age of 18, please do not use or access this website. It is not our intention to collect or use personal information from anyone under 18 years of age, and we will not knowingly do so.

10. International Users

This website can be accessed from countries around the world and may contain references to this website and Content that are not available in your country. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THE WEBSITE OR ANY PART THEREOF IS APPROPRIATE OR AVAILABLE FOR USE IN ANY PARTICULAR JURISDICTION OTHER THAN AUSTRALIA. Those who choose to access the Website do so on their own initiative and at their own risk, and are responsible for complying with all statutes, orders, regulations, rules and other laws of applicable jurisdictions.

11. General Provisions

Assignment

The Terms, and your rights and obligations hereunder, may not be assigned, subcontracted, delegated, or otherwise transferred by you without the Company's prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void.

Force Majeure

The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargos, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes or shortages of transportation facilities, fuel, energy, labour or materials.

Governing Law

Any dispute in connection with this website or these Terms will be governed by the laws of the Commonwealth of Australia.

Severability

If any provision of the Terms is, for any reason, held to be invalid or unenforceable, the other provisions of the Terms will remain enforceable, and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.