Terms and Conditions

TERMS OF USE

Irisk Online Pty Ltd (ACN 166 725 711) ("PROVIDER") makes IRISKONLINE available, subject to the
following terms of use, to anyone invested in securities traded on the Australian Stock Exchange ("ASX").

“iRiskOnline Calculator” means the ONLINE service, its API interface, selected SOFTWARE, DATABASES and any related material supplied by Irisk Online Pty Ltd (ACN: 166 725 711) ("the Company" or “iRiskOnline”). "Subscriber" refers to any authorised person or entity currently registered to use the iRiskOnline Calculator in any capacity including, but not limited to SMSF investor, Direct investor, financial advisor or paraplanner.

"Report" refers to the risk analysis results for a Subscriber's portfolio as generated by the iRiskOnline Calculator and displayed online in the Risk Profile tab or through electronic delivery to the Subscriber.

1.Definitions.

"IRISKONLINE"refers to the portfolio risk estimation service, its associated Software, API, Databases, and includes related materials, resources and intellectual property introduced and created through " IRISKAWARE" and "IRISKWATCH".

"IRISKONLINE-API" refers to the API service created by the PROVIDER for external parties to access the IRISKENGINE.

"SUBSCRIBER" refers to any authorised person or entity registered to use IRISKONLINEin any capacity including, but not limited to: Accountant, Auditor, Financial Planner, Para-Planner, API Subscriber, SMSF Trustee/Investor, Direct Investor or interested observer.

"IRISKAWARE" refers to the PROVIDER"s approach to identifying "risk preferences" for the purpose of investment strategy in support of SUBSCRIBERS.

"IRISKWATCH" refers to the PROVIDER"s approach to identifying, managing and monitoring portfolio risks in support of SUBSCRIBERS.

"REPORT" refers to any summary of a SUBSCRIBER"s revealed preference for selected investment strategies; SUBSCRIBER"s portfolios; including any information on portfolio risk and its decomposition; and any information on risk limits and/or their breaches as displayed online or through electronic, or other delivery to the SUBSCRIBER from IRISKONLINE.

"APPROVAL" refers to written communication by physical or electronic means in which the PROVIDER or its representative provides permission to vary specific requirements of this agreement.

2. Registration

As part of the registration process, and prior to receiving access to IRISKONLINE, you undertake to provide registration information that you believe to be accurate, truthful and current.

The PROVIDER reserves the right to deny creation of any SUBSCRIBER account if the authenticity of the SUBSCRIBER registration information cannot be verified.

The PROVIDER also reserves the right to terminate the SUBSCRIBER account, in its sole discretion, at any time without notice. If applicable, the SUBSCRIBER is responsible for all charges incurred up to the time the account is terminated.

3. Restrictions.

Without prior APPROVAL:

3.1. You may not make additional copies of the REPORT, nor distribute them. You may not modify, adapt, translate the REPORT or any parts thereof, or create derivative works based on the REPORT. You may not sell, rent, lease, sub-license, transfer, resell for profit or otherwise distribute the REPORT or any part thereof.

3.2 You will not use any information contained in the REPORT in unsolicited mailings or Internet "spam" material. You also undertake not use any of the IRISKONLINE trademarks, trade names or service marks in any unsolicited mailings or "spam" material.

4. Ownership and Intellectual Property Rights.

This Agreement gives you limited rights to use IRISKONLINE. The PROVIDER retains any and all rights, title and interest in and to the REPORT and all copies thereof, including copyrights, patents, trade secret rights, trademarks and other intellectual property rights. All rights not specifically granted in this Agreement, including Australian and International Copyrights, are reserved by the PROVIDER

The structure, organisation and content of the REPORT are valuable trade secrets and confidential information of the PROVIDER.

5. Attribution.

Where a Subscriber with APPROVAL, uses or extracts information from the REPORT in accordance with the terms of this Agreement:

5.1. If a logo has been supplied to the SUBSCRIBER, that logo must appear together with any information extracted from the REPORT; or

5.2. If a logo has not been supplied by the PROVIDER to the SUBSCRIBER, the words "Source: IRISKONLINE" must appear, in reasonable font size, with the information extracted from the REPORT.

6. Limited Warranties.

6.1. The PROVIDER warrants that it holds the proper rights allowing it to produce and distribute the REPORT and is not currently aware of any actions which may affect its rights to do so.

6.2. EXCEPT AS PROVIDED IN SECTION 6.1, IRISK ONLINE PTY LTD MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITATION, YOU ASSUME SOLE RESPONSIBILITY FOR USING IRISKONLINE TO ACHIEVE YOUR INTENDED RESULTS. IRISK ONLINE PTY LTD MAKES NO WARRANTY THAT THE REPORT WILL BE ERROR-FREE.

6.3. Neither IRISKONLINE nor any of its affi liated companies, agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits arising in any way from, including but not limited to: (i) the information provided in the IRISKONLINE Website/App; (ii) the modification or misuse of information on the IRISKONLINE Website/App; or (iii) claims of third parties in connection with the use of this IRISKONLINE Website/App.

7. No Product or Security Recommendations

7.1 IRISK ONLINE PTY LTD WARNS THAT THE PAST PERFORMANCE OF ANY EXCHANGE TRADED FUND ("ETF"), SHARE, OR OTHER INVESTMENT DOES not GUARANTEE EQUIVALENT FUTURE PERFORMANCE

7.2 Irisk Online Pty Ltd must draw your attention to a number of facts concerning the use of historical data and limits to its predictive ability, to ensure that you are not misled or deceived by analyses that you receive in IRISKONLINE:

  • However, theories and models are abstractions of reality "and not the full reality itself". It is possible that the risk relationships and statistical structures presented and used in IRISKONLINE may notpersist into the future;
  • icular, securities that you may hold in your portfolio are likely to have more or less monthly observations for estimation purposes. As more data becomes available, it is highly likely that risk estimates will change - and have some impact on your portfolio risk
  • mum of 12 monthly observations is required for inclusion in the estimation process - but this is not considered optimal. If you hold shares in such a security, then you should be wary of counter-intuitive risk results that may be due to estimation error rather than investment risk; and
  • general, you are advised that past structural analysis of risk may not necessarily provide an accurate guide to future risk processes.

7.2.1 The online database used for risk measurement is the latest feasible given that the data collection and preliminary analysis is done on an end-of-month basis. Errors of observation may impact underlying return data through incorrect prices; omitted dividends and capitalisation changes; and infrequent trading amongst other things.

7.2.2 It is well-known that data errors may leave a "footprint" in the "higher moments" that form a key part of the risk model used by IRISKONLINE

7.2.3 All risk statistics used in IRISKONLINE are based upon a rigorous analysis of historical data using generally accepted econometric and statistical techniques. It is the honestly held opinion of the PROVIDER that the analysis provides an appropriate basis for the assessment of portfolio risk

8. No Advice

The REPORT and any related services provided under this Agreement are NOT to be construed as financial advice or as recommendations of any security or product - unless it is explicitly stated to the contrary.

IRISKONLINE makes no representation and gives no advice in respect of any financial, investment, tax, legal or accounting matters in any jurisdiction including the suitability of any financial product to investors. IriskOnline Pty Ltd warns that in providing this REPORT, it did not take into account anyparticular goals and objectives, anticipated resources, current situation or attitudes of any particular person.

Information provided in the REPORT should not be a relied upon as a substitute for professional advice.

9. Privacy and Communication.

9.1. The IRISKONLINE privacy statement applies to any information that you provide as the basis for the REPORT. This privacy statementcan be viewed on the Provider's website at: https://www.iriskonline.com.

9.2. Subject to 9.1, you assent to IriskOnline Pty Ltd communicating with you using the contact details provided prior, or subsequent, to your use of IRISKONLINE at https://www.iriskonline.com or related websites.

10. Technical Support.

10.1. Technical support for the REPORTis provided free of charge by Frequently Asked Questions ("FAQ") and via electronic mail to the following email address: support@iriskonline.com

11. Limitation of Liability.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL IRISKONLINE PTY LTD BE LIABLE FOR ANY DAMAGES SUFFERED BY YOU AS A RESULT OF USING THE REPORT. IRISKONLINE PTY LTD ACCEPTS NO RESPONSIBILITY FOR ANY LOST REVENUE, PROFIT OR DATA, OR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND RELATED TO IRISKONLINE OR ANY REPORT DERIVED FROM IRISKONLINE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT SHALL IRISK ONLINE PTY LTD'S AGGREGATE LIABILITY TO YOU EXCEED ANY SUBSCRIPTIONS FOR SERVICES PAID BY YOU TO IRISK ONLINE PTY LTD HEREUNDER.

The Subscriber agrees to indemnify, defend, and hold harmless IRISK ONLINE PTY LTD, its affiliates and its web service content providers from and against any and all claims, liabilities, losses, costs (including but not limited to attorneys' fees), or damages of any kind arising from or relating to: (i) the Subscriber's use of IRISKONLINE; or (ii) the Subscriber's actions based on information provided in any Report derived from IRISKONLINE; or (iii) the Subscriber's breach of this Agreement.

12. General

12.1. If any provision hereof shall be held illegal, invalid or unenforceable, in whole or in part, such provision shall be modified to the minimum extent necessary to make it legal, valid and enforceable, and the legality, validity and enforceability of all other provisions of this Agreement shall not be affected.

12.2. This Agreement is governed by the laws of Victoria. All disputes relating to this Agreement will be brought before the applicable courts in Melbourne, Victoria and you agree to submit to exclusive personal jurisdiction therein.

12.3. You may not assign this Agreement in whole or in part, without prior written consent from IRISK ONLINE PTY LTD. Any attempt by you to assign this Agreement without such consent will be null and void

12.4. This Agreement contains the entire agreement between IRISKONLINE PTY LTD and you relating to the IRISKONLINE portfolio risk estimation service and supersedes all prior agreement

and understandings, whether oral or written. All questions concerning this Agreement shall be directed to: support@iriskonline.com

13. Signatures.

Signatures are NOTrequired. Evidence of assent to the terms and conditions contained in this Agreement is taken to be the use of, and/or payment for, IRISKONLINE.