TERMS & CONDITIONS
Important Information: Warning.
The information given by the 21st Century Investor and provided through its website and via the newsletter is general information only, which means it does not take into account your investment objectives, financial situation or needs. Intending investors should read a copy of the prospectus or disclosure document for any investment showcased in this newsletter to familiarise themselves with the investment and associated risks and satisfy themselves that the investment meets their objectives and needs. You should therefore consider whether the investment is appropriate to your investment objectives, financial situation and needs before acting upon it, seeking advice from a financial adviser or stock brokers if necessary. Not all investments are appropriate for all people. The 21st Century Investor and associated websites are published by 21st Century Investment Services Pty Ltd Authorised Representative # 321314 of Romand Financial Services Pty Ltd ACN 071434494 (AFSL 238032).
Disclaimers
The information on this website and the newsletter has been prepared from a wide variety of sources which Romand Financial Services Pty Ltd, to the best of its knowledge and belief, considers accurate. You should make your own inquiries about the investments and we strongly suggest you seek advice before acting upon any recommendation.
Financial Services Guide
Our Financial Services Guide contains important information about the financial services provided by Romand Financial Services Pty Ltd. Contact us to read it.
Staff Trading Policy
We do out utmost to avoid conflicts of interest with subscribers. We therefore impose restrictions on staff trading and require disclosure of staff holdings. Trading restrictions and disclosure obligations are as follows.
In-house staff
1. Approval for all staff trades is to be obtained from one of licensed stock brokers directors or responsible officer.
2. Where a recommendation changes, staff will not be permitted to trade for one day either side of publication.
3. 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.
Freelance Analysts
1. Where a recommendation changes on a stock they are writing about, freelance analysts will not be permitted to trade for one day either side of publication.
2. Freelance analysts are required to disclose any holding in a stock they are writing about.
3. Freelance analysts are required to sign a statement that they will not attempt to profit at our subscribers' expense.
Disclosure
1. Disclosure of in-house staff holdings is made in the newsletter and on the website (access for subscribers only).
2. Disclosure of freelance holdings is made at the end of the relevant full review.
Privacy Statement
21st Century Investment Services Pty Ltd publisher of the 21st Century Investor, is committed to protecting your privacy. To protect your privacy we only collect information necessary to provide you with the services you have requested.This information is necessary to send you a free trial of our products, process your subscription and to provide you with the best service. We only collect personal information by fair and lawful means. This means we aim never to be unreasonably intrusive when it comes to dealing with you.
From time to time we may inform you of products and services we feel you may wish to know about, but we will not release your details to a third party without first seeking your permission.We understand that you require peace of mind when it comes to the security of using the Internet and electronic storage of your personaldetails. We have taken reasonable steps to ensure your credit card details and other personal details are safe by using a secure server with upto-date encryption methods. The information you have provided us with is held in a secure database, protected from unauthorised access. Our employees and service providers are required to respect the confidential nature of your personal details and protect them from misuse.
You can gain access to the information we hold about you at any time by contacting us. We endeavour to keep the information you supply us accurate and up to date. If you feel the information we hold about you is incorrect please contact us and we will amend your details immediately. If it is your preference, and it is practicable to do so, we can interact with you anonymously. If at anytime you believe we have not adhered to these principles please let us know and we will make every effort to review and correct any problems. If you have any queries regarding your privacy please do not hesitate to contact us.
Cookies
The 21st Century Investor website utilises cookies. If you do not have cookies enabled in your web browser some functions of the site may not work as intended.
Links
Our websites and emails may contain links to websites not owned or operated by our preferred licensed stock brokers . We do not accept liability for the availability or content of these sites and urge you to read their terms and conditions before use.
Terms & Conditions
Default & Consequences of Default
1.1Interest on overdue invoices shall accrue daily from the date when payment becomes due, until the date of payment, at a rate of two and one half percent (2.5%) per calendar month and such interest shall compound monthly at such a rate after as well as before any judgement.
1.2If the Buyer defaults in payment of any invoice when due, the Buyer shall indemnify the Seller from and against all costs and disbursements incurred by the Seller in pursuing the debt including legal costs on a solicitor and own client basis and the Seller's collection agency costs.
1.3Without prejudice to any other remedies the Seller may have, if at any time the Buyer is in breach of any obligation (including those relating to payment), the Seller may suspend or terminate the supply of Goods to the Buyer and any of its other obligations under the terms and conditions. The Seller will not be liable to the Buyer for any loss or damage the Buyer suffers because the Seller has exercised its rights under this clause.
1.4If any account remains overdue after thirty (30) days then an amount of the greater of twenty dollars ($20.00) or ten percent (10.00%) of the amount overdue (up to a maximum of two hundred dollars ($200.00)) shall be levied for administration fees which sum shall become immediately due and payable.
1.5Without prejudice to the Seller's other remedies at law the Seller shall be entitled to cancel all or any part of any order of the Buyer which remains unfulfilled and all amounts owing to the Seller shall, whether or not due for payment, become immediately payable in the event that:
(a) any money payable to the Seller becomes overdue, or in the Seller's opinion the Buyer will be unable to meet its payments as they fall due; or
(b) the Buyer becomes insolvent, convenes a meeting with its creditors or proposes or enters into an arrangement with creditors, or makes an assignment for the benefit of its creditors; or
(c) a receiver, manager, liquidator (provisional or otherwise) or similar person is appointed in respect of the Buyer or any asset of the Buyer.
Permission to use testimonials
2. If a Member povides a testimonial about 21st Century Education or one of our Speakers, 21st Century Education may use the testimonial, in part or whole, to promote 21st Century Education or the Speaker in any format or medium at any time.
Refund Policy
3.1 Programs purchased at 21st Century Education Seminars come with a 5 day cooling off period from the date of the final day of the seminar (5 day cooling off period includes weekends and public holidays).
3.2 21st Century Education will charge the sum of $495.00 for those products that qualify for any refund to recover costs and charges incurred, for all refunds processed after completion of the Seminar. The $495.00 fee applies to all refunds including those on products with an additional refund policy.
3.3 If a specific refund policy applies to your product you must abide by all the terms and conditions stated, otherwise you may lose your right to a refund.
3.4 If you purchase a program and apply for a refund any future program purchases become non refundable regardless of the refund period.
NB. All prices quoted are in AUD (Australian Dollars).
Cookies
The 21st Century Investor website utilises cookies. If you do not have cookies enabled in your web browser some functions of the site may not work as intended.
Links
Our websites and emails may contain links to websites not owned or operated by 21st Century Investment Services Pty Ltd. We do not accept liability for the availability or content of these sites and urge you to read their terms and conditions before use.
Corporate Details:
21st Century Investor is published by:
21st Century Investment Services Pty Ltd Corporate Authorised Representative Number (321314) of Romad Financial Services Pty Ltd A.C.N. 071 434 494 Australian Financial Services License (AFSL) 238032 Email: info@21stcenturyinvestor.com.au
Level 57, MLC Centre
Web: www.21stcenturyinvestor.com.au
19 - 27 Martin Place,
Phone: 1800 999 270 +61 7 5474.4222
Sydney, NSW, 2000, Australia
Fax: +61 7 3503.9021
Subscriptions Fees (inclusive of GST):
To subscribe go to www.21stcenturyinvestor.com.au or complete the details below and return to our office by fax or mail for immediate processing.
Copyright
Copyright © 2008 21st Century Investment Services Pty Ltd. No part of this website, or its content, may be reproduced in any form without the prior consent of 21st Century Investment Services Pty Ltd.
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