Specific Terms and Conditions related to Passwords for Subscribers:

Password Security

1. You acknowledge that you have an obligation to guard against the unauthorised use of the password issued to you in relation to this Site. You must not disclose your password to any other person and you must take all reasonable steps to ensure that any other person does not know your password.
2. You agree that Upper Quartile Time Saving Funds Analysis may assume that any access to the Material gained by use of your password is authorised by you regardless of whether you have actually authorised another person to use your password. You agree that Upper Quartile Time Saving Funds Analysis will not be liable for any cost, damage, loss or claim arising from the use or misuse of your password.
3. You must:
   1. protect your password from being lost, stolen or disclosed to any person without the prior written approval of Upper Quartile Time Saving Funds Analysis:
   2. as soon as you have finished accessing the Information, exit the Website containing the Information immediately;
   3. tell Upper Quartile Time Saving Funds Analysis as soon as you think or suspect that someone knows your password or that it has been lost or stolen.

Use of Material and this Site

You:

1. must not use the Material on this Site for any purpose other than as a source of information for your personal use which includes your personal professional capacity,
2. must not supply access to the Material to another person;
3. must not do anything to alter or modify the Material on this Site;
4. must not deliberately or recklessly disrupt the operation of the Site;
5. must not make any denial-of-service attacks on Upper Quartile Time Saving Funds Analysis or any other users or networks relating to them, or attempt to do so; and
6. must not use any Internet access to unlawfully obtain access to networks used or operated by Upper Quartile Time Saving Funds Analysis or attempt to do so.
7. If you require assistance in relation to understanding or using the Site or information about the Material, you shall direct your inquiry to Upper Quartile Time Saving Funds Analysis and not to Raycon Engineers Pty Ltd or Morningstar.
8. Either your sponsor or Upper Quartile Time Saving Funds Analysis may terminate your right to access this Site immediately and without notice to you, at any time. In the event of termination, you are not longer authorised to access this Site, but all accrued rights; all restrictions imposed on you and all disclaimers and limitation of liability provisions set out in these Terms of Use will survive. In the event of termination, no refunds will be made.

Indemnity

You agree to indemnify and hold harmless Upper Quartile Time Saving Funds Analysis and their respective related companies, officers, employees and agents against all loss, actions, proceedings, costs and expenses (including legal fees), claims and damages arising out of or in connection with any breach by you of these Terms of Use.

Agreement

1. These Terms of Use constitute an agreement between you and Upper Quartile Time Saving Funds Analysis, which agreement is effective until terminated by Upper Quartile Time Saving Funds Analysis at any time without notice. By using the Site or accessing the Material, you agree to these Terms of Use.
2. Upper Quartile Time Saving Funds Analysis reserves the right to cause changes to be made to the Material or the Site, including to these Terms of Use, at any time. You agree to be bound by such changes. Notice of changes to the Terms of Use will be given by the publication of revised Terms of Use on this Site, but Upper Quartile Time Saving Funds Analysis is not (repeat not) obliged to give you separate or specific notification of the changes or of the revised version.
3. The laws of Western Australia govern these Terms of Use and you submit to the exclusive jurisdiction of the courts of that State.
4. If a provision or any part of these Terms of Use is invalid, void or unenforceable, all other provisions which are capable of separate enforcement without regard to an invalid, void or unenforceable provision are and will continue to be of full force and effect in accordance with their terms.
5. In these Terms of Use, "Upper Quartile Time Saving Funds Analysis " means Vivian Lesley Dewar trading as Upper Quartile Time Saving Funds Analysis A.B.N 28 766 362 594 of Shop 9, 27 Old Great Northern Highway Midland WA 6056 and "your sponsor" means the Holder of an Australian Financial Services License or the Negotiated User Group which facilitated your access to this site by authorising the issue of a password to you by Upper Quartile Time Saving Funds Analysis.

As a User of and/or Subscriber to Upper Quartile Time Saving Funds Analysis, I acknowledge and accept these specific terms and conditions, along with the other terms and conditions included on the Website.

I acknowledge and accept the Disclaimer related to the successful use by Upper Quartile Time Saving Funds Analysis of my preferred email address. Click here to acknowledge and Subscribe Now.

Upper Quartile acknowledges that some or all of the data used to generate its reports may have been sourced from FPI Ltd and/or Morningstar.
Please refer to the Conditions of Use statements in this website regarding the use of this data.