Terms and Conditions | Melbourne Mercer Global Pension Index : Melbourne Mercer Global Pension Index


Terms and Conditions


Please thoroughly read the Australian Centre for Financial Studies (“ACFS”) Terms and Conditions.

We ask that you do not use our website or service until you have familiarised yourself with these Terms and Conditions. If you are using or have used our service, it is understood that you have agreed to the Terms and Conditions set forth in this document.

Definitions

  • “we”, “us”, “our” means the Australian Centre for Financial Studies (“ACFS”) of Level 46, Rialto South Tower, 525 Collins Street, Melbourne Victoria 3000 Australia
  • “you”, “your” means the person accessing the website and/or subscribing for or purchasing the service as an organiser, attendee, consumer, seller or in any other capacity
  • “service” means the content and related goods and services offered by us from time to time
  • “website” means the website operated by us for the purpose of providing the service.

Introduction
To the extent that we are bound by the provisions of the many Commonwealth and State Privacy Legislation and the National Privacy principles we will observe and comply with them.

In providing the service we may enlist the services of various third parties, consultants and contractors.

Personal Information
Your personal information held by us or our consultants, contractors or agents in various places (including in places outside of Australia) including on a database (depending on your form of contact with us) may include:

  • information submitted by you as part of any registration or transaction or subscription process such as your legal name, or known name, date of birth, address, email address, telephone number, contact or postal address
  • details on your use of the service (such as content and goods and services purchased)
  • a record of your visit to our website such as your server address, your domain name, the date and time of your visits, the pages you accessed and documents you downloaded, the previous site you visited and the type of browser you are using
  • you may also provide information to us about other people and if you do so, you should obtain their permission to do so.

Collecting Information
We collect personal information in a number of ways, including:

  • when you access and browse our website
  • when you subscribe to register for any of our services
  • when you use or purchase any of our services
  • when you contact us
  • when you pay for any goods or service
  • from publicly available sources of such information
  • to verify your identity and the veracity of other information provided
  • when legally required to do so.

Use of Your Personal Information
We may use your personal information:

  • so we can provide the service to you pursuant to your agreement (if any) with us
  • to ensure you abide by your agreement with us
  • to bill and collect debts
  • for website usage analysis
  • for planning, research, product development and/or strategic, financial or other business purposes
  • to promote and market any goods or service and third party products and services to you (by direct mail, via email, telemarketing, SMS, MMS or any other media).

We do this to keep you informed of our goods and services, the goods and services of third parties and/or special offers. If you do not wish us to promote or market any goods services to you, please:

  • carefully consider and select any options provided to you to “opt in” or “opt out” during any registration process for any goods or service; or
  • contact us at info@australiancentre.com.au
  • to provide to people or organisations outside of our organisation including our consultants, contractors, agents and/or third party suppliers with whom we have arrangements from time to time in relation to the service. We may provide your personal information to these people or organisations (some outside of your country) to help us with the above
  • to provide to Government and/or Regulatory Authorities and/or Law Enforcement Agencies in accordance with their lawful duties
  • to provide to our content suppliers and other rights holders in relation to content, including in relation to anti-piracy reporting and action
  • to your authorised representatives or legal advisers (when requested to do so)
  • to use as required or permitted by Law or for us to protect our legal rights, for instance by Court Order or in litigation
  • to your authorised representatives or legal advisers (when requested to do so)

Cookies
We use cookies on our website. In some cases cookies may collect and store personal information about you. A cookie is a small text file placed on the user’s computer when a website is accessed to recognise the cookie when the same computer returns to the website on a later occasion.

Right of Access
You may ask us to access your personal information in certain circumstances provided by Law (subject to exceptions allowed by Law). We ask you to put any such request in writing and pay any reasonable fees levied by us for this.

Our Refund Policy for Event Entrants
Should circumstances prevail where you wish to deregister for any event where you have already registered, please refer to the terms and conditions of the website or to arrange any applicable refund.

Our Intellectual Property
Our website remains the property of the Australian Centre for Financial Studies (“ACFS”) at all times. The coding, programming, website designs, graphic design and intellectual property making up the site is owned by us.

Website Content
Websites from ACFS can not be used to disseminate, communicate, store or transmit:

  • content sexually-explicit in nature
  • information that contains virus, worms or malicious elements
  • Copyright infringing data
  • trade secret protected data
  • data that infringes on any intellectual property, publicity rights or privacy rights
  • is defamatory, harassing or threatening
  • relates to illegal business operations or schemes
  • contains deliberately misleading, incomplete or deceptive content
  • is deemed inappropriate by ACFS.

Fair Use Policy
We employ a fair use policy to our Websites. If we believe, for any reason, that you are behaving in a manner expected of an ACFS customer, then we reserve the right to terminate your account – effective immediately.

Accessibility
We make every effort to ensure that our website, online help and all of our services are online 24×7 every day of the year. However, this will not always be the case as there are times when our website will be down, sometimes in circumstances that we cannot control. When our service is offline we will do our best to get it online as soon as possible. We will not be held responsible for damage, events or losses directly or indirectly related to our website being offline.

Liability
We will not be held liable for any action or inaction relating to our service. We believe that our system is highly secure from the actions of hackers, viruses and other problems on the internet but can make no guarantees. It is up to you to back-up and ensure the integrity of your data offline. If your website is offline then please contact us and we will endeavour to fix the problem as soon as possible. We will not be liable for loss of sales, leads or reputation from using our service.

Jurisdiction
This Website is governed by the Laws of the State of Victoria, Australia. Any dispute arising from the use of this Website will be settled in this jurisdiction.

Copyright
Copyright © 2010 Australian Centre for Financial Studies (“ACFS”). All Rights Reserved. All artworks used are copyright protected and are the property of their respective owners. Logos & other trademarks used herein are the property of their respective owners.

Contact Us
If you have any concerns about the way we have dealt with your personal information, please contact us on info@australiancentre.com.au


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