Terms and conditions
This site and all associated pages are operated by Kalkine Pty Limited ABN 34 154 808 312; Australian Financial Services Licence no. 425376.
By using the Services of Kalkine, you're agreeing to be bound by these Terms and Conditions.
These Terms and Conditions are addressed to you and you agree to be bound by it, whether you are reading these pages on your own behalf, or on behalf of another person (such as an employer).
It is your responsibility to draw the contents of these Terms and Conditions to the attention of anyone who may gain access to kalkine.com.au on your (or your employer's) behalf by using your email address and Password.
The pages of kalkine.com.au contain general information in relation to various products that are available on a subscription basis via this site.
What you are not allowed to do
Subject to these terms and conditions, you may not:
(a) systematically copy (whether by printing off onto paper, storing on disk or in any other way) substantial parts of the Site;
(b) remove, change or obscure in any way anything on the Site or otherwise use any material contained on the Site except as set out in these terms and conditions;
(c) reproduce, retransmit, disseminate, sell, publish, broadcast, nor the Site and anything available from the Site be used in connection with creating, promoting, trading, marketing investment products without the express written consent of Kalkine Pty Ltd or its information providers; or
(d) for unlawful purposes and you shall comply with all applicable laws, statutes and regulations at all times.
The advice given by Kalkine Pty Ltd and provided on this website is general information only and it does not take into account your investment objectives, financial situation or needs. You should therefore consider whether the advice is appropriate to your investment objectives, financial situation and needs before acting upon it. You should seek advice from a financial adviser, stockbroker or other professional (including taxation and legal advice) as necessary before acting on any advice. Not all investments are appropriate for all people.
Kalkine.com.au and associated websites are published by Kalkine Pty Ltd ABN 34 154 808 312 (Australian Financial Services License Number 425376).
The information on this website has been prepared from a wide variety of sources, which Kalkine Pty Ltd, to the best of its knowledge and belief, considers accurate. You should make your own enquiries about any investments and we strongly suggest you seek independent financial advice before acting upon any recommendation.
Kalkine Pty Ltd has made every effort to ensure the reliability of information contained in its newsletters and websites. All information represents our views at the date of publication and may change without notice. To the extent permitted by law, Kalkine Pty Ltd excludes all liability for any loss or damage arising from the use of this website and any information published (including any indirect or consequential loss, any data loss or data corruption). If the law prohibits this exclusion, Kalkine Pty Ltd hereby limits its liability, to the extent permitted by law to the resupply of services. There may be a product disclosure statement or other offer document for the securities and financial products we write about in Kalkine Reports. You should obtain a copy of the product disclosure statement or offer document from the product issuer before making any decision about whether to acquire the security or product.
Our liability to you
Except as expressly required by legislation, we accept no liability to you (including, without limitation, by way of negligence) arising from the provision (or non-provision as the case may be) of any of our services. To the extent permitted by legislation, we limit any liability we may have to you to the resupply of services or the cost of re-supply of the subscription services.
Neither Kalkine Pty Ltd and its employees, directors, agents or associates guarantees the performance of any security or other financial product (or class of financial product) that is reviewed, recommended or opined on in any of our services. You should make your own inquiries and seek professional advice before making any investment decisions.
Use of Copyright Material
All material published on our websites is owned or provided under licence by Kalkine. Content in our paid subscriptions is not to be reproduced, forwarded, or disclosed without our prior written permission.
Access to Information
Users will only have access to the services they are subscribed to. For paid services, only a paying member has access to the subscriber-only section of the websites and emails. Subscribers must not reveal any username(s) or password(s) or forward paid services emails to any third party. The free e-letters can be viewed on their dedicated websites or subscribed to by email.
User Identification and password
Access to kalkine.com.au is granted by use of a valid Password.
You agree to:
Treat it as confidential;
Not disclose it to any third person;
Comply with these Terms and Conditions of use;
Not interfere with or disrupt other users of kalkine.com.au or subscribers to the various products available via kalkine.com.au, nor any of Kalkine's services or equipment (including by way of viruses) and must not manipulate any of the information or data.
Kalkine reserves the right to amend the Password and other security procedures for access to kalkine.com.au at any time.
In the absence of notice from you that the confidentiality of your User Identification and Password has been compromised, Kalkine will be entitled to construe all activity on kalkine.com.au using that Password as being for and on behalf of you and you agree to pay all Fees so incurred and to take responsibility for all actions of persons using your Password.
Financial Services Guide
Our Financial Services Guide (FSG) contains important information about the financial services provided by Kalkine Pty Ltd. You must read our FSG and consider it in light of your own circumstances before acting on any advice. Click here to read our FSG.
Kalkine has the right to investigate any breach or complaint about a violation of these terms and conditions. Kalkine will take any necessary action to protect itself and may report any unlawful activity to the relevant legal authorities.
Refund Policy and Pricing
We can review and alter our prices for any subscription period at any time. You will not be entitled to any refund of subscription fees if you decide to cancel your subscription during the subscription period (after the applicable 14 days money back guarantee). Each subscription period must be paid in full prior to starting the subscription period. We will cancel your subscription if the subscription period is not paid in advance or if you give us written notice that you wish to cancel within 14 days of taking out your subscription. We think Kalkine Reports are great, but understand that it may not be the right stock market subscription for you. There is a 14 day money back guarantee for new subscribers to the Kalkine reports. Kalkine offers a 100% money back guarantee on subscriptions within 14 days of taking out a membership. This money back guarantee is only for new subscribers and not applicable to past or existing subscribers. The marking on the post (sent for the cancellation confirmation) must be within 14 days from the date of subscription being taken. Subscription refunds are strictly not allowed after 14 days from the subscription payment. Cancellations must be notified in writing and posted to:P.O. Box H38, Australia Square, NSW 1215.
Staff Trading Policy
We do our utmost to avoid conflicts of interest with subscribers. We therefore impose restrictions on staff trading and require disclosure of staff holdings. Trading restrictions are as follows.
Approval for all staff trades is to be obtained from one of Kalkine Pty Ltd's responsible managers or the compliance manager. Approval is at the complete discretion of the responsible manager or the compliance manager.
Where a recommendation changes, staff will not be permitted to trade for one day either side of publication. This means the day of online publication, and the day after.
Staff must not trade against a buy or sell recommendation. Approval to trade against a buy or sell recommendation will only be granted in exceptional circumstances.
Staff must hold all stocks for at least one month. Approval to sell within one month will only be granted in exceptional circumstances.
Limitations to Kalkine
To use your Kalkine membership you require a computer with access to the internet.
The quality and availability of Kalkine reports may sometimes be affected or disrupted by factors outside of our control. Such factors can include interruptions to internet services suffered by Kalkine, you or other communications carriage service providers through which Kalkine is hosted, accessed or administered, lack of capacity and faults in other telecommunications networks to which Kalkine is connected.
We may change or withdraw some or part of the Kalkine service from time to time. This may be because of changing laws, government policy, technologies, obsolescence, new or different product features or functionality, changing content providers and the need to remove, replace or modify content.
Kalkine’s Account Managers are available between 9am and 5pm (Sydney time) on normal business days by calling 02 8667 3147 or contacting us. Please understand that, at times, our Account Managers may experience a larger than usual influx of phone calls and emails. In this case it may take up to 24 hours to respond to you. Thank you in advance for your understanding and patience. To ensure fairness, we will answer your emails and phone calls in the order we receive them.
Kalkine’s Account Managers are not able to provide financial advice. All information provided by our Account Managers is general in nature and does not take into account your personal financial circumstances. Before acting upon any of the information provided, you should always consider its appropriateness in light of your objectives, financial situation and needs and seek professional financial advice. If you have a question about a specific investment, please seek advice from a professional licenced financial advisor.
Kalkine’s Account Managers will endeavour to answer all your questions, however please understand they are not computer experts, so may not be able to help you with computer-specific related questions. Kalkine reserves the right to record any telephone calls to or from its Account Managers and to use the information recorded and any emails sent and received by its Account Managers for training and member research purposes.
Breaching the Terms and Conditions
Any subscriber or website user found to be in breach of these Terms and Conditions may have their subscription or website access suspended, amended or cancelled. We reserve our right to take whatever action is available to us under the law.
We reserve the right to cancel any subscription at any time, for any reason, regardless of whether a breach of these terms and conditions has occurred.
Changes to these Terms and Conditions
We may change all or part of these Terms and Conditions at any time. If we do, the new Terms and Conditions will be posted on our websites. Your subsequent or continued use of this website and/or receipt of our emails will constitute your acceptance of any changes. As you are bound by these Terms and Conditions, we recommend that you periodically refer to them.
If you have any queries relating to these Terms and Conditions please contact our customer service department. Please email email@example.com or phone 02 8667 3147. Or you can write to us at: P.O. Box H38, Australia Square, NSW 1215.
Kalkine Pty Ltd (ABN 34 154 808 312) holds Australian Financial Services Licence (425376). Kalkine is authorised to provide general advice only. The information on this site does not take into account any of your investment objectives, financial situation or needs. Before you make a decision about whether to acquire a financial product, you should obtain the Product Disclosure Statement from the product issuer. You should consider the appropriateness of advice taking into account your own objectives, financial situation and needs and seek independent financial advice before making any financial decisions.