Budgets Get Real - Terms of Service

The following Terms of Service (“TOS”) contain the terms and conditions by which you must use the Budgets Get Real website (“Site”) and its associated services(“Service”). Budgets Get Real is published by Informed Choices Pty Ltd A.C.N. 121 387 120 (referred to hereafter as "Budgets Get Real"). Your use of Budgets Get Real is subject at all times to our Terms of Service (as defined below).

Acceptance of Terms
General Terms
Intellectual Property
Information Control & Terms of Use
Fees and Payments
Access and Interference
Privacy Policy
Contests
Disclaimer of Warranties
Limitation of Liability
Termination
Miscellaneous

Budgets Get Real (“We”), provides the following service to you subject to these Terms of Service. By using Budgets Get Real services or the Budgets Get Real website you are agreeing to these Terms of Service. These terms may be updated from time to time. Users should regularly check the terms and conditions for any updates and changes. If you do not agree with such changes, you must terminate your membership of Budgets Get Real and you must not use our services.

This agreement is effective on your registration date and/or each time you use Budgets Get Real Services. The date of the current version of these TOS is noted above. If you contravene any of these terms and conditions, as outlined in these TOS or our Privacy Policy, Informed Choices may terminate your right to access any of our services.

Membership of the Service is conditional upon acceptance and compliance with the terms, conditions, notices and disclaimers contained in this document and elsewhere on the Site, referred to hereafter collectively as the 'Terms Of Service' ("TOS").

Informed Choices may discontinue or alter any aspect of the its services, including, but not limited to: restricting the times the service is available, restricting the level of use permitted, and restricting or terminating any User's right to use the Service, at Informed Choice’s discretion and without prior notice or liability.

Users may not use this site for any purpose which is unlawful or in any manner which violates any right of Informed Choices or which is otherwise prohibited by our Terms of Service.

We reserve the right to prohibit conduct, submissions or communication which we deem, at our discretion, to be harmful to individual users and/or other third-party rights, or to violate any applicable law.

Your use of and browsing of this Site are at your own risk.

All of the content featured or displayed on our sites, including, but not limited to, text, graphics, photographs, images, illustrations, moving images, advertisements and software (“Content”), is the property of Informed Choices Pty Ltd, its licensors and/or its content providers. All elements of our sites, including, but not limited to, the general design and content, are protected by Australian and international copyright and trademark laws.

Users are not entitled to modify, copy, reproduce, republish, post, frame, upload to a third party, transmit or distribute this Content in any way without the express, written permission of Informed Choices.

We send you communications and notices regarding your transactions and your account on our Site. The information on this Site is not intended to be, nor should it solely be relied upon as a substitute for formal business research, academic or personal research. All material is provided as an information service only and should not be relied upon as a substitute for commercial or other professional advice. Neither Budgets Get Real, or any of its associates accept any responsibility for the accuracy of any information contained in this site or its applicability in the specific circumstances of any user or member.

Budgets Get Real does not give any specific or tailored financial, taxation or accounting advice or conduct a business providing taxation or accounting advice either as a representative or agent of any other person or on its own account. Budgets Get Real does not give any securities or investment advice, conduct any securities or investment advice business or deal in securities whether on its own behalf, as a representative or agent of any other person, or otherwise.

Budgets Get Real receives no commission or other financial benefit from the publication of information on this site (save except for affiliate or referral fees, membership fees and advertising charges) and is in no way interested in any securities or other transaction entered into as a result of the publication of such information.

None of the information on this Site takes into account the financial circumstances or investment needs of any particular investor. Each user or member must therefore assess whether it is appropriate, in the light of his/her individual circumstance, to act upon the relevant information.

Where applicable, calculators and other tools provide illustrative calculations based on stated assumptions only. The information resulting from the calculations should not be relied upon as a complete representation of all start up and other costs or as a substitute for commercial or other professional advice. This site provides contact details of relevant third party organizations for further advice.

Budgets Get Real claims no responsibility for the accuracy, content or availability of information accessed, or linked to through any of its websites or services.

Informed Choices will collect payment from you when you purchase any products or services sold on our sites. In the event legal action is necessary to collect on balances due, you agree to reimburse Informed Choices for all expenses incurred to recover sums due, including attorney’s fees and other legal expenses. You are responsible for purchase of, and payment of all charges for, all Internet access services needed for use of this Site.

You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to bypass our setting, or to interfere or attempt to interfere with the proper working of Budgets Get Real or any transaction being conducted through Budgets Get Real. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. You agree that you will not copy, reproduce, alter, modify, create derivative works, or publicly display any content (except for Your Information) from Budgets Get Real without the prior express written permission of Budgets Get Real or the appropriate third party authorised to grant such permission.

The information collected and used by this Site is governed by the Budgets Get Real Privacy Policy.

From time to time Informed Choices may make contests available to users of the Web Site and others. All contests are governed by these TOS and the applicable Contest Rules. By participating in a contest through the Web Site, you signify your agreement and acceptance of this Agreement and the applicable Contest Rules.

Budgets Get Real shall not be obliged to issue any reward or prize that relates to, or arises out of misuse or abuse of the site or to any person who has supplied false or misleading personal information.

To the extent permitted by law, all warranties, conditions and representations about the Service, the availability of the Service from access and use, the products and services advertised, offered to be supplied or supplied via the Service and the information provided on the Service are excluded. In particular, to that extent, Budgets Get Real excludes any warranty that the Service will be uninterrupted or error-free; that defects will be corrected, that the Service or the server that makes it available, are free of viruses or other harmful components, that the use or results of the use of the Service, or that the materials made available as part of the service, will be correct, accurate, timely or otherwise reliable.

To the extent permitted by law, Budgets Get Real, its parents, subsidiaries, affiliates, officers and employees shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Budgets Get Real has been advised of the possibility of such damages), resulting from:

These Terms of Service are effective until terminated or amended by Informed Choices Pty Ltd. Informed Choices may terminate this agreement and user and member access to this site at any time without notice. In the event of termination, all restrictions imposed on users and members, licenses granted by users and members and all Informed Choices disclaimers and limitations of liability set out in the Terms of Service will survive.

Informed Choices reserves the right to terminate your membership without notice or cause, at its sole discretion or for any reason including:

The Terms of Service are effective until terminated or amended by Informed Choices Pty Ltd. Informed Choices may terminate this agreement and user and member access to this site at any time without notice. In the event of termination, all restrictions imposed on users and members, licenses granted by users and members and all Informed Choices disclaimers and limitations of liability set out in the Terms of Service will survive.

If any provision of these Terms Of Service is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in force.

Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

This agreement will be governed by and construed in accordance with the laws of Queensland, Australia. Users and members irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Queensland. If any provision of this agreement us found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the agreement which will continue in full force and effect.