Terms and conditions

Terms and conditions for online registration/use

This website (the Site), or this mobile device application (the App) (where applicable), is an internet based superannuation and investments administration facility provided by IOOF Service Co Pty Ltd (ABN 99 074 572 919) and made available to persons who utilise or hold one or more products issued or administered by IOOF Investment Management Limited (IIML) ABN 53 006 695 021 AFSL No. 230524 or Navigator Australia Limited (Navigator) ABN 45 006 302 987 AFSL 236466 (defined herein as Products). IOOF Service Co Pty Ltd, IIML and Navigator are part of the Insignia Financial Group (comprising Insignia Financial Ltd and its related bodies corporate). 

These Terms and Conditions relate to use of the Site and the App. The Site and the App include information transmitted electronically, by phone or on paper and any associated information provided by the Insignia Financial Group. Your access to the Site and to the App is subject to these Terms and Conditions, the Insignia Financial Group Privacy Policy, disclaimers and any additional terms and conditions or statements contained on the Site or the App (referred to collectively as the Terms and Conditions). By accessing, viewing, or using any of the online functionality or otherwise using the Site or the App, you agree to be subject to these Terms and Conditions. 

In these Terms and Conditions, references to "our", "we", "us" are references to the Insignia Financial Group, and "you" and "your" are references to Registered Users.

1. General Terms

1.1 Application of General Terms

The General Terms in this clause 1 apply to all Registered Users of the Site/App. If you are a Member/Investor or Adviser, additional specific terms may also apply and these are set out after these General Terms.

1.2 Changes to Terms and Conditions

We reserve the right to change these Terms and Conditions (excluding clause 1.12) at any time. Any such change will be effective immediately upon being incorporated into these Terms and Conditions. Any subsequent access to, or use of, the Site or the App by you will constitute an acceptance of the modifications.

1.3 Change of Functionality 

We reserve the right to change the functionality of the Site or the App at any time without prior written notification, except where the change relates to any fee or charge for the use of the Site or the App. Where the change does not relate to any fee or charge for the use of the Site, we will endeavour to inform users by notices on the Site about the change before it comes into effect.

1.4 Registration 

1.4.1 The Site and the App can only be accessed after completing the registration process.

1.4.2 You will become a Registered User and be entitled to access and use the Site/App when your registration is accepted by us. If you have been automatically registered for access, you will become a Registered User when you first access the Site or the App after registration.

1.4.3 We reserve the right to deny access or to refuse registration to any person at our discretion.

1.5 Electronic Documents

1.5.1 Where we are required by law or otherwise to provide you with a document, you consent to the provision of that document electronically (whether provided on or through links on the Site or the App, or via email).

1.5.2 You agree not to dispute the validity or enforceability of electronic communications and you will be taken to have received such communications whether or not you access the communications on the Site or the App.

1.6 Personal Details

You acknowledge that it is your obligation to ensure that all information that you provide to us is correct.

1.7 Password and authentication of users 

1.7.1 Access to the Site and to the App is only available to you whilst you are a Registered User and hold a current User ID and Password. Once access is granted, any Actions by that User ID and Password will be deemed to be made by you or with your authority. Your User ID and Password entitle anyone who correctly uses them to conduct the type of operations on the Site and the App for which designated user rights have been provided. You acknowledge and accept that we cannot verify whether the user of a correct User ID and Password is a Registered User. 

1.7.2 Upon our acceptance of your Application to become a Registered User, you will receive an email from us with directions on how to complete the registration process (this email will be sent to the email address you have provided us for the purposes of registration). Your User ID for gaining access to the Site and the App will be the User ID we provide to you. 

1.7.3 If you have been automatically registered you will receive a letter from us with directions to set up your new User ID and Password to the Site/App.  

1.7.4 In the event you have forgotten your Password, you will be required to identify yourself as a Registered User by providing your User ID and the email address you have nominated for use on the Site/App. Once your details have been verified, we will set a new Password for your Account and we will send you an email (to your nominated email address) to advise you of your new Password.

1.7.5 If you believe that your User ID or Password have been compromised, lost or misplaced please contact ClientFirst immediately. 

1.8 Support Staff – Advisers only

1.8.1 You may instruct us to register one or more Support Staff to use the Site on your behalf by registering them via ‘My Account’.

1.8.2 Any Support Staff you have authorised to have access to information provided on or through the Site must have a separate Username and Password. Any action by any Support Staff will be deemed to be made by you or with your authority.

1.8.3 You are responsible for ensuring that each Support Staff that has access to the Site and any other person who uses the Site on your behalf complies with these Terms and Conditions.

1.8.4 You are responsible for cancelling access for any Support Staff at any time you determine that you no longer want them to use the Site on your behalf. You can cancel or restrict Support Staff access at any time via ‘My Account’.

1.9 Indemnity

1.9.1 You indemnify us and keep us indemnified at all times against any and all liability for loss arising from and all costs, charges and expenses incurred directly or indirectly in connection with:
a) the use of the Site or the App by you, your authorised Support Staff or any other person who uses the Site or the App on your behalf (including where such use involves an unauthorised or fraudulent act);
b) our acting in accordance with any Actions that appear to be given by you, including:
i) Actions that are unauthorised or fraudulent; or
ii) any request made that we stop an Action you have initiated through the Site or App from being processed;

1.9.2 If you are an Adviser, any claims made by your Member/Investor clients;
except to the extent that liability is directly caused by a breach of these Terms and Conditions by us, or by any negligent act or omission by us. 

1.9.3 You agree to pay amounts due under the indemnity contained in this clause 1.9 on demand from us.

1.10 Warranties

1.10.1 We warrant that we will use reasonable efforts to ensure the information provided on or through the Site or the App is accurate, current and complete. The sole remedy for breach of this warranty is the rectification of any inaccurate information upon notice by you of the inaccuracy or error.

1.10.2 We do not represent or warrant that the Site or the App will be free from:
a) any omission, error or inaccuracy in information provided on or through the Site or the App, including information provided by third parties;
b) downtime or periods where the Site or the App is are unavailable or the failure, in whole or in part, of any function on the Site or the App to perform an Action; or
c) any unauthorised access to the Site or the App or the information (including Account information) retained on the Site or the App, except where the unauthorised access is the direct result of our negligence or fraud.

1.11 Liability of the Insignia Financial Group

1.11.1 You confirm that you have not relied on any representation, description, illustration or specification which is not expressly stated in these Terms and Conditions.

1.11.2 To the extent permitted by law, we exclude any liability for any loss, costs, charges and expenses suffered or incurred by you directly or indirectly arising as a result of:
a) the use of the Site or the App by you, your agents or any other person who uses the Site or the App on your behalf (including where such use involves an unauthorised or fraudulent act);
b) our acting in accordance with any Actions that appear to be given by you, including:
c) Actions that are unauthorised or fraudulent; or
d) any request made by you that we stop an Action from being processed;
e) any unauthorised access by third parties to the Site or the App or to the information contained or functionality available on the Site or the App;
f) the failure of the Site or the App to perform any function which we have specified it will perform (including any failure as a result of a disruption to any telecommunications service, power supply or internet connection);
g) any technical or service difficulties or processing delays in relation to the Site or the App, including processing delays which arise as a result of:
h) an Action being submitted on a day which is not a Business Day;
i) any errors or omission in the Action;
j) any technical or service difficulties or processing delays caused to any computer, associated equipment, software or data; or
k) any matters arising from data corruption, breaches of data or security, defects in transmission or viruses.

1.11.3 Where our liability cannot be excluded under any law, our liability will be limited to, at our discretion, either:
a) the costs of re-supplying any functionality provided on the Site or the App or a requested Action to you; or
b) paying you cost of re-supplying any functionality provided on the Site or the App or a requested Action to you.

1.11.4 Unless these Terms and Conditions provide otherwise, our maximum aggregate liability for all proven losses, damages and claims arising out of these Terms and Conditions or your use of the Site or the App, including liability for breach of these Terms and Conditions, in negligence or in tort or for any other common law or statutory action, is limited in the following manner:
a) if the liability arises in relation to any reliance on, use of, or inability to use any information displayed or functionality available on the Site or the App under these Terms and Conditions, it is limited at our option to the lesser of the cost of re-supplying the requested Action or the amount of fees paid by you for the Site or the App in the previous three months; and 
b) in all other cases, it is limited to the amount of the fees paid by you for the Site or the App in the previous three months. 

1.11.5 Despite any other clause, we are not liable to you or to any other person for:
a) unauthorised use or any losses or damages of any kind caused by or resulting from any wrongful, wilful or negligent act or omission by you or any of your officers, employees, agents or contractors; or
b) any direct or indirect lost profit or revenue, exemplary damages, deletion or corruption of electronically or digitally stored information, or without limiting the foregoing, any indirect or consequential loss or damage howsoever described or claimed.

1.11.6 Nothing in this clause 1.11 limits our liability with respect to damages for personal injury, including sickness and death.

1.12 Application for Investment and Performance of the Funds

1.12.1 Investments in any of the Products mentioned on the Site or the App do not represent investments, deposits or other liabilities of the Insignia Financial Group.

1.12.2 Neither the Insignia Financial Group, the fund manager providing an investment option, service providers or subsidiaries of any of the parties mentioned, guarantee the repayment of capital or the performance of the Product or the return of capital or income. Your investment in the Product is subject to investment risk. This could involve delays in repayment and loss of income or the principal invested. 

1.13 Fees

1.13.1 The Site and the App are currently offered to you as free services. This is because they are a part of an existing contract or arrangement you have with us as a Member/Investor or Adviser.

1.13.2 However, fees may be charged in relation to the access and use of the Site or the App (including use of software) at a future date. We will provide you with at least 30 days’ written notice and details of any fees before any fees are introduced or changed. 

1.14 Availability, Security and Delivery of the Site

1.14.1 We will use all reasonable efforts to provide access to the Site and the App on a 24 hour basis however, there will be interruptions to the Site and the App to facilitate maintenance, or for other reasons.

1.14.2 We reserve the right to amend the information provided or functionality available on the Site or the App and to limit access or cease providing information or functionality available on the Site or the App.

1.14.3 We do not guarantee the delivery of communications over the Internet as such communications rely on third party service providers. Electronic communications (including electronic mail) are vulnerable to interception by third parties and we do not guarantee the security of these communications or the security of the Site or the App.

1.15 Denial of Access 

1.15.1 We reserve the right to deny access to the Site, the App, or particular Account details including where:
a) you fail to keep your User ID and Password secure; and
b) in our opinion, there are concerns regarding unreasonable use, security or unauthorised access. 

1.16 Cancellation

You may cancel your registration for the Site and/or the App by notifying us in writing and we will terminate your access within 30 days of receipt of that written notice.

1.17 Termination 

We have discretion to terminate your access to the Site and/or the App at any time without notice. 

1.18 Intellectual Property Rights

1.18.1 We own copyright to the Site and the App. Information from the Site and the App may be printed and downloaded for personal use only. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or used in any way without our express approval or as otherwise permitted by law. You may not modify, tamper or alter the Site or the App or the information contained on it in any way.

1.18.2 There are a number of registered trademarks, logos and symbols on the Site and the App which are either owned by us or used with the permission of the trademark owners. You may not download, reproduce, transfer, publish, alter or use any such logos, symbols or trademarks for any purpose except for incidental reproduction in downloading your information or reports from the Site or the App. 

1.18.3 The software used on the Site and the App has been developed by, and is owned by, the Insignia Financial Group. You obtain a non-exclusive and non-transferable licence to use the software when you register for the Site/App as a Member / Investor or Adviser.

1.19 Monitoring of the Site and the App

We expressly reserve the right to monitor any or all use of the Site and the App. We currently monitor the Site and the App for statistical purposes only. 

1.20 Links and Third Party Content

We are not responsible for the content of any site owned by a third party that may be linked to the Site, whether such a link is provided by us or by a third party. These links are provided as a courtesy service and no judgement or warranty is made by us concerning the suitability, accuracy or timeliness of the content of any Site that may be linked to the Site or the App. By providing access to other websites, we are not recommending or endorsing any brand, products or services offered by the organisation sponsoring or owning the linked website. 

1.21 Privacy

1.21.1 To obtain a copy of the Insignia Financial Group Privacy Policy please click here

1.21.2 Any personal information collected by us in connection with your use of the Site or the App will be used to provide the Action you have requested, and for related purposes, such as maintaining our relationship with you, or sending you information about other products and services we think may be of interest to you. You may access or correct your personal information held by us by contacting ClientFirst. 

1.22 Disclaimer

The information provided by the Site and the App is provided by way of general information only and is not intended to represent financial product advice. The information does not take into account your individual objectives, financial situation and needs. You should assess whether the information is appropriate to you, having regard to your objectives, financial situation and need, and consider seeking advice from a financial adviser before making any investment decision. The current product disclosure statement (PDS) or offer document for any Product mentioned in this Site or the App should also be obtained and considered prior to making any investment decision. Whilst every effort has been made to ensure the information in the Site and the App is accurate, its accuracy, reliability or completeness is not guaranteed and no responsibility for errors and omissions (including by negligence) is accepted by the Insignia Financial Group or its officers, employees, directors or agents. Please note that past performance is not a reliable indicator of future performance.

1.23 Australian Residents Only

The Products described on the Site and the App are available only to Australian residents. The Site and the App are only licensed for access from within Australia. All references to currency are to Australian dollars. All transactions and acceptance of contractual obligations occurs within Australia.

1.24 Severability

If any provision of these Terms and Conditions is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and Conditions and will not affect the validity and enforceability of the remaining provisions.

1.25 Governing Law

1.25.1 The use of the Site and the App and the provision of any facilities, services or Products through the Site and the App will be governed by the laws of Victoria, Australia.

1.25.2 You submit to the exclusive jurisdiction of the courts of Victoria in respect of all matters arising out of or relating to these Terms and Conditions.

1.26 Force Majeure

Despite any other provision in these Terms and Conditions, if we are unable to perform or are delayed in performing an obligation under these Terms and Conditions by reason of a Force Majeure Event and notice has been given to you as soon as reasonably practicable:
a) that obligation is suspended by only so far and for so long as it is affected by the Force Majeure Event;
b) we will not be responsible for any loss or expense suffered or incurred by any other party as a result of, and to the extent that, it is unable to perform or is delayed in performing its obligations because of the Force Majeure Event;
c) the time for performing that obligation is extended by the duration of the Force Majeure Event; and
d) we will take all reasonable steps to avoid, remove or limit the effects of the Force Majeure Event on our performance of the suspended obligations as quickly as possible (however this does not require us to settle any strike or other labour difficulty on terms contrary to our wishes).

2. Additional terms for advisers

The following terms apply to Registered Users who are Advisers. They are in addition to the General Terms set out in Clause 1.

2.1 Use of the Site

You agree:

2.1.1 to undertake (and ensure Support Staff undertake) to keep your client information secure and ensure that the information is not disclosed or used for any purpose other than providing financial product advice to those clients;

2.1.2 that you will ensure that information about individual clients is only disclosed to persons who act as Adviser to that client (and/or to the authorised Support Staff of the Adviser) and who are authorised by that client to access that information and that those persons keep the information confidential and only use it for the purpose of giving financial product advice in accordance with your agreement with the client; and

2.1.3 to undertake to inform us immediately if you cease to act as an Adviser to any client, and refrain from, and prevent other persons from, accessing that client's information.

2.2 Transacting Online

2.2.1 The Site may allow you to perform particular transactions on behalf of your clients (Actions).

2.2.2 If you are permitted to perform Actions, you agree:
a) to provide all relevant advice and/or advice documentation to your client prior to transacting on your client's behalf;
b) not to submit an Action on behalf of your client unless you have been authorised in writing by your client to do so as agent for and on behalf of your client in relation to your client's account (for example, via a Third Party Authority Form) and such authority has not been cancelled;
c) not to submit an Action on behalf of your client unless you receive instructions to do so from your client;
d) to act at all times in accordance either with your Licence or under your authority from your Licensee; and
e) to notify us immediately if an Action you have submitted is not displayed on the applicable transaction page of the Site.

2.2.3 We may decline to act on your Actions at any time without giving any notice or reason. If we decline to act on your Actions we will let you know within a reasonable time of receipt of that Action.

2.2.4 We are entitled to act on any Action which appears complete without further reference to you. 

3. Additional terms for members/ investors

The following terms apply to Registered Users who are Members / Investors. They are in addition to the General Terms set out in Clause 1.

3.1 Registration as a Member / Investor, the Site and the App gives you access to:

3.1.1 your Account information, updated on a substantially continuous basis - including investment balances, transactions, and statements for each Product in which you have an investment; and

3.1.2 Product information. 

3.2 Applications to Invest

3.2.1 Details about the Products offered by us are set out in their current PDS or offer document. Applications to make an investment in a Product can only be made on the application form attached to a copy of the current PDS or offer document.

3.2.2 A copy of the current PDS or offer document for a Product can be obtained free of charge by calling ClientFirst or can be downloaded from the Product's website.

3.2.3 We do not guarantee the performance of any of the Products referred to in the Site or the App.

3.3 Transacting Online 

3.3.1 The Site and the App may allow you to perform particular transactions for your Account (Actions). 

3.3.2 If you are permitted to perform Actions, you agree:
a) to notify us immediately if an Action you have submitted is not displayed on the applicable transaction page of the Site or the App; and
b) to regularly check all Actions you make relating to Re-weighting by reviewing the statement we send you in relation to the Products in which you are invested.

3.3.3 If your Account is held in the name of;
a) a trust;
b) joint investors;
c) a partnership;
d) an incorporated, unincorporated association, co-operative;
e) a government body; or
f) a company;
you warrant that you have full power and authority to perform any Actions you submit on behalf of the other joint Account holders (if joint investors) or under the trust deed, partnership agreement, constitution, rules or other applicable governing document for your account type.

3.3.4 Action requests are processed in the order in which they are received. If a large number of requests are received at one time, the processing time of your request may increase. We will, aim to process your request as quickly as possible, however an Action request (for example, a Re-weight request or a change to your Investment Instructions) may take up to 10 Business Days to process.

3.3.5 We may decline to act on your instructions at any time without giving any notice or reason. If we decline to act on your instructions we will let you know within a reasonable time of receipt of that instruction. By instructions we mean any Action or communication by you with us, including verbal, written or electronic means including communication by telephone, facsimile, email or the Internet.

3.3.6 We are entitled to act on any instruction which appears complete without further reference to you.

4. Additional terms applying only to use of the App 

The terms in this clause 4 shall apply to your use of the App. The terms in this clause 4 shall prevail to the extent of any inconsistency between them and any other term in these Terms and Conditions.

4.1 Licence Grant

Subject to these Terms and Conditions, we grant you a non-exclusive, world-wide, non-transferrable, limited licence to download, access, use and display the App and use the information and materials accessed or provided through the App (Materials) for your personal, non-commercial, informational purposes only. Other than as set out in these Terms and Conditions, we reserve all of our rights in and to the App, and all Materials.

4.2 Use of The App

4.2.1 The App may only be used with a compatible iOS or Android Device. To use the App, you’ll need to ensure that your Device has access to the internet, and that you grant the App the permissions and access to your Device that it requires. We may change the minimum technical requirements for use with the App at any time and without notice to you. You’re responsible for all third party charges that you incur to use the App (for example, data and other charges charged by your service provider in connection with downloading and using the App).

4.2.2 The App is only for use by Members/Investors who hold an Account and have become a Registered User. If you are not already a Registered User, you can complete registration through either the Site or the App, and the related User ID and Password can be used to access both the Site and the App.  

4.2.3 The App is designed to provide Members/Investors with the ability to perform all the functions in relation to your Account that are available to you on the Site, in a way which is simple and convenient (such as viewing your account balance and transactions, managing your Account and accessing reports and statements).   

4.2.4 We may update the App from time to time, and you may need to install an update to be able to continue to use the App. We make no guarantee as to the speed, reliability, or other performance of the App. The performance of the App depends on various factors, including the functions, capacity and configuration of your Device, the speed of your internet connection, and the number of users accessing the systems which support the App. 

4.2.5 If you are experiencing technical issues with the App you can contact ClientFirst for assistance. 

4.3 Authentication of Users on the App

4.3.1 You’re responsible for protecting your Device and safeguarding against unauthorised access to your Account through the App. 

4.3.2 In addition to using your Password and User ID to login, you may also be given the option of logging into the App by using your Device’s biometric authentication capability (if available) or by using a personal identification number (PIN).

4.3.3 You agree that any access to and use of the App through biometric authentication or any other means is taken by us to be an access by you, and that you’re responsible and liable for all such access. If you’re not the only person with a biometric authentication method stored on your Device, or knowledge of the PIN used to access the App, you must disable the ability to login to the App using that method, within the ‘Settings’ section of the App and/or Device. 

4.3.4 You acknowledge and agree that you:
a) Must keep your PIN and other login details secret and confidential;
b) Must not permit any other person to use the App on your Device;
c) Are solely responsible and liable for all actions, omissions or instructions through your use of the App; and
d) Should log out after each session. 

4.3.5 The App allows you to register an unlimited number of Devices to use with your App profile. You can de-register a Device by using the Device you originally used to register for the App.

4.4 Restrictions on Use of the App

You must not (and must not attempt to), directly or indirectly in connection with the App: 
a) Engage in any unlawful or dishonest activity; 
b) Violate or attempt to violate the security of the App or related software, including but not limited to, causing unauthorised access to or modification of data, interfering with the operation of the App, inserting malicious code, or introducing viruses;
c) Use the App for the provision of financial advice;
d) Engage in any conduct which is in our reasonable opinion illegal, fraudulent, defamatory, abusive, offensive, or would infringe another person’s rights (including intellectual property rights);
e) Upload, post, email, transmit or otherwise make available any material that you do not have a right to make available under any law or contractual obligation, or which contains a virus or other harmful code; 
f) Impersonate a person or entity; or
g) Authorise any other person to do any of the above. 

4.5 Modification and Discontinuation of the App 

We may modify, discontinue, or disable the App, or any part of it (including Materials contained in the App), at any time without notice. 

4.6 Apple Notice

4.6.1 If you download the App through any application store provided by Apple Inc., or any of its subsidiaries or affiliates (collectively “Apple”) you acknowledge that the additional terms contained in this notice are applicable. 

4.6.2 The parties acknowledge that these Terms are concluded between us and you only, and not with Apple, and we, not Apple, are solely responsible for the App and the content thereof.

4.6.3 The licence granted above is limited to a non-transferrable licence to use the App on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in Apple’s App Store Terms of Service, except that the App may be accessed and used by other accounts associated with you via Family sharing or volume purchasing. 

4.6.4 The parties acknowledge that we are solely responsible for providing any maintenance and support services with respect to the App that are specified in these Terms or required under applicable law, and that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.

4.6.5 In the event of any failure of the App to conform to any applicable warranty you may notify Apple, and Apple will refund the purchase price for the App (if any) and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty that is not effectively disclaimed by these Terms will be our sole responsibility. 

4.6.6 The parties acknowledge that Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation, including in connection with the App’s use of the HealthKit and HomeKit frameworks.

4.6.7 The parties acknowledge that in the event of any third party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights Apple will not be responsible for the investigation, defence, settlement and discharge of any such intellectual property infringement claim.

4.6.8 You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. 

4.6.9 You must comply with any applicable third party terms of agreement when using the App.

4.6.10 The parties acknowledge and agree that Apple and Apple’s subsidiaries are third party beneficiaries of these terms, and that Apple will have the right (and will be deemed to have accepted the right) to enforce the Terms against you as a third party beneficiary thereof.

4.6.11 Apple, App Store, Face ID, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. 

4.6.12 Please contact ClientFirst for any questions, complaints or claims with respect to the App.

5. Interpretation and Definitions

5.1 Interpretation
5.1.1 Unless the contrary intention appears, in these Terms and Conditions:
a) a reference to a group of persons is a reference to any two or more of them jointly and to each of them individually;
b) an agreement, representation or warranty in favour of two or more persons is for the benefit of them jointly and each of them individually;
c) an agreement, representation or warranty by two or more persons binds them jointly and each of them individually but an agreement, representation or warranty by us binds us individually only;
d) a reference to any thing (including an amount) is a reference to the whole and each part of it;
e) a reference to a document (including this agreement) includes any variation or replacement of it;
f) the word "law" includes common law, principles of equity, and laws made by parliament (and laws made by parliament including State, Territory and Commonwealth laws and regulations and other instruments under them, and consolidations, amendments, re-enactments or replacements of any of them);
g) a reference to a time of day is a reference to Melbourne time;
h) the word "person" includes an individual, a firm, a body corporate, an unincorporated association and an authority;
i) a reference to a particular person includes the person's executors, administrators, successors, substitutes (including persons taking by novation) and assigns;
j) the words "including", "for example" or "such as" when introducing an example, do not limit the meaning of the words to which the example relates to that example or examples of a similar kind.
k) The singular includes the plural and vice versa; and
l) Headings (including those in brackets at the beginning of paragraphs) are for convenience only and do not affect the interpretation of these Terms and Conditions. 

5.2 Definitions

In these Terms and Conditions, the following definitions apply:

Action	Any direction or instruction made by you (either by you or by your Adviser on your behalf) to us using the functionality of the Site or the App including Re-weighting an Account or changing an Investment Instruction.
Account	An account held by a Member / Investor in a Product.
Adviser	A licensed financial adviser who is authorised to provide financial product advice.
Application	The application form (be it via the online registration process or a paper-based form) which permits Members / Investors, or Advisers to register to access the Site and the App.
Business Day	A day other than a Saturday or Sunday or a public holiday or bank holiday in Victoria.
Device	means a mobile phone or any other internet-enabled device which is compatible with the App and has, or has access to, a current and working internet connection.
Force Majeure Event	Any cause outside the reasonable control of the Insignia Financial Group and which could not have been prevented or avoided by it taking all reasonable steps.
Insignia Financial Group	Refers to Insignia Financial Ltd, (ABN 49 100 103 722)), and its related bodies corporate.
Investment Instruction	Any instruction from a Member / Investor (or Adviser, as agent for a Member / Investor), as to how to invest money in or redeem money from an investment option.
Investors	An individual or entity who has an investment in a non-super Product.
Materials	refers to information and material accessed through the App or provided through the App.
Member	An individual who is a member of a super Product.
Password	The code which is used together with your User ID enables you to access the Site.
Privacy Policy	The Insignia Financial Group Privacy Policy is available here
Product	A financial product or service issued by (or administered by) a company within the Insignia Financial Group from time to time.
Registered User	A person who is registered to use the Site and/or the App.
Re-weight or Re-weighting	Re-investing your available Account balance in one or more new or existing investment options.
Support Staff	A person nominated by a registered Adviser who has been authorised to use the Site on their behalf.
The App	This mobile device application (where these Terms and Conditions have been accessed via a mobile device application). Any mobile device application which we make available (if any) will be available for download from the Apple App Store or Google Play Store on compatible Devices.
The Site	This website (where these Terms and Conditions have been accessed via a website).
User ID	The identification name which, in combination with your Password, enables you to access the Site and the App.

Last updated: 8 November 2022