If you do not accept the terms and conditions of this website, you must immediately discontinue using it.
IPBA may revise these terms and conditions at any time by updating these terms and conditions on this website. Use of this website after such changes are posted will indicate your agreement to these revised terms. You should visit this page periodically to review these terms and conditions.
Ownership of Material, Software Licences & Intellectual Property Rights
All materials displayed or otherwise accessible through this website, including, without limitation, articles, text, photographs, images, illustrations, computer software and code, and the website, itself, are protected under Australian and foreign copyright or other laws, and are owned by IPBA.
Any use, reproduction, modification, alteration, public performance, or display, uploading or posting onto the internet (including placing on another website), transmission, redistribution, or other exploitation of this website or of any content, whether in whole or in part, other than expressly set out herein, is prohibited without the express prior written permission of IPBA.
All software embedded in or located on or at this website, including, without limitation, all computer code of all types, including all files and/or images contained in or generated by such software (Software) is protected by copyright and may be protected by other rights. All such Software is owned by IPBA, its licensors or the party accredited with ownership of such Software. You are hereby granted the right to access and use the Software embedded and integrated into this website, subject to:
(i) these terms and conditions; and
(ii) any additional conditions which may be imposed on your access and use of such Software.
If this website provides Software for download, unless otherwise provided, you are, subject to:
(i) these terms and conditions; and
(ii) any other terms and conditions that may apply to your downloading and use of such Software, hereby granted a personal, non-transferable, non-exclusive license to
(i) install and run one copy of the Software in object-code format on a non-networked computer for your personal, non-commercial use: and
(ii) to reproduce the Software only as reasonably required to install, run, and make reasonable backup copies as allowed by law.
Except to the extent expressly permitted in these terms and conditions, you may not:
(i) use, reproduce, modify, adapt, translate, upload, download or transmit the Software in whole or in part.
(ii) sell, rent, lease, licence, trade, transfer or otherwise provide access to the Software.
(iii) alter, remove, or cover any trademarks or proprietary notices included in the Software; and/or
(iv) disassemble, decrypt, extract, or reverse engineer the Software or assist others in doing so.
Nothing contained on this website shall be construed as granting you any right, title, interest, or other license in or to any Software embedded or integrated into this website or made available for download from this website, including, but not limited, to any intellectual property rights in the Software. All Software embedded or integrated into this website is provided as is, without warranties of any kind, either expressed or implied, including, without limitation, any warranty that the Software:
(i) is of merchantable quality or is fit for any particular purpose.
(ii) will conform with any specification(s) relating to the Software.
(iii) will be free from material defects.
(iv) contains no computer viruses or other contaminants; or
(v) shall process date-related and time-related data without causing any processing interruptions, abnormal termination or process or manipulate any time-related data.
This website and all content are provided on an ‘as is’ basis. By accessing and using this website you acknowledge and agree that use of this website and the content is entirely at your own risk.
IPBA makes no representations or warranties regarding this website and the content, including, without limitation, no representation or warranty that:
(i) this website and/or content will be complete, accurate, reliable, suitable, or timely.
(ii) any content, including, without limitation, any information, data, software, product, or service contained in or made available through this website will be of merchantable quality or fit for a particular purpose.
(iii) the operation of this website will be uninterrupted or error free.
(iv) defects or errors in this website will be corrected.
(v) this website will be free from viruses or harmful components; and
(vi) communications to or from this website will be secure or not intercepted.
The information contained on this website is for information purposes only. It is not intended to provide accounting, legal, investment, financial, or other advice to you, and you should not rely upon the information to provide any such advice.
All information posted on this website is intended only as a basis for further discussion, enquiry, and study. IPBA disclaims any liability for direct, indirect, or consequential loss arising in connection with the use of the contents of this website or reliance on those contents by any person or organisation, whether in its original form or altered in some way by the user.
To the extent permitted by law, we do not accept responsibility for any loss or damage, however caused (including, without limitation, whether that loss or damage is actual, special or consequential or is a result of negligence), which you may directly or indirectly suffer in connection with your use of this website or any linked website whether or not that loss or damage was foreseeable or disclosed, nor do we accept any responsibility for any such loss arising out of your use of or reliance on information contained on or accessed through this website (including but not limited to damages for loss of profits or savings, business interruption, or in connection with product liability).
To the extent permitted by law we offer no warranties in relation to goods or services supplied between registered users of this website. We also offer no warranty in relation to the availability of the transactions and services contemplated by users of this website or that registered users of our website will act lawfully or in accordance with these terms and conditions.
IPBA gives no warranties nor does IPBA make any representation in respect of the contents of this website. IPBA advises users of this website to seek their own appropriate independent professional advice to matters raised in this website.
Liability and indemnity
You agree that to the extent permitted by law we will be under no liability to you in respect of any loss or damage (including indirect, special or consequential loss or damage) which may be suffered or incurred by you or which may arise directly or indirectly in respect of goods or services supplied or not supplied by us or any registered user of our website or in respect of a failure or omission on the part of any party to adhere to these terms and conditions.
You release and indemnify us from:
(1) all actions, claims and demands (including the cost of defending or settling any action, claim or demand) which may be instituted against us arising out of a failure by us to comply with these terms and conditions or a failure by any party to meet any legal requirements.
(2) all actions, claims and demands (including the costs of defending or settling any action, claim or demand) which may be instituted against us arising out of any act or omission on your part, including but not limited to a failure by you to comply with your obligations under these terms and conditions.
(3) all actions, claims and demands (including the cost of defending or settling any action, claim or demand) arising from your access, use or inability to access or use this website’s Content or other content to which the IPBA website is or may be linked to from time to time.
(4) all actions, claims and demands (including the cost of defending or settling any action, claim or demand) arising from your use of, reliance on, publication, communication, or distribution, uploading or downloading of anything on or from the IPBA website; and/or
(iv) all actions, claims and demands (including the cost of defending or settling any action, claim or demand) arising from your violation of any law or regulation.
You must ensure that your access to this website is not illegal or prohibited by laws which apply to you.
Your use of our website and entry into transactions with registered users and third parties is at your sole risk.
You must take your own precautions to ensure that the process which you employ for accessing this website does not expose you to risk of viruses or other form of interference which may damage your computer system. For the removal of doubt, we do not accept responsibility for any interference or damage to your computer system which arises in connection with your accessing of this website or any linked website.
Whilst we have no reason to believe that any information contained on this website is inaccurate, we do not warrant the accuracy, adequacy, or completeness of such information, nor do we undertake to keep this website updated. We do not accept responsibility for loss suffered because of reliance by you upon the accuracy or currency of information contained on this website.
Responsibility for the content of advertisements appearing on this website (including hyperlinks to advertisers’ own websites) rests solely with the advertisers and the placement of such advertisements does not constitute a recommendation or endorsement by us of the advertisers’ products or services and each advertiser is solely responsible for any representations made in connection with its advertisements.
We do not warrant that our website will be always available or at any specific times. You acknowledge that we do not have any involvement in the financial planning services provided by registered users of our website. We are a website proprietor only. We do not represent any registered users of our website. Unless expressly stated to the contrary, we do not endorse or have an interest in the goods or services which are supplied by or between registered users of our website and we do not accept responsibility if a transaction is not completed, or because of advice not supplied or advice negligently supplied, due to an act or omission on the part of any registered users.
To the extent possible by law, we accept no responsibility for defective goods or services, or negligently supplied goods or services supplied by registered users of our website, or by us on this website including the failure of any services to correspond with the descriptions or samples of the goods or services or the failure of any goods or services to be of merchantable quality. For instance, we do not guarantee that the software tools utilised or supplied via this website which enable financial budgeting or reporting of financial data are fully functional and without defects or errors.
We have no control over the availability, quality, relevance, appropriateness and scope of goods and services supplied by or between registered users of our website, and we do not warrant the truth or accuracy of any representations made by or between registered users. We have no control over representations made by registered users of our website to each other.
We are not responsible in the event a service is not supplied due to technical difficulties affecting our website.
We do not undertake to retain listings or to retain records of specific transactions.
We are not responsible for ensuring that warranty obligations are honoured.
There is no contract for the supply of financial services between you and us. In the event that financial goods or services are supplied between registered users of our website, we recommend you first ascertain the costs and parameters regulating the business relationship that will be formed between you and the supplier of the goods or services and obtain relevant advice prior to proceeding with any transaction.
If you have any doubts about the ability of a registered user of our website to discharge its obligations in any regard, including without limitation to provide you with financial advice, it is your responsibility to make all necessary enquiries in advance and to take any steps which you consider to be appropriate in the circumstances.
We do not act as agent for any party. We are independent contractors, and no agency, partnership, joint venture, employee-employer, or franchiser-franchisee relationship is intended or created by these terms and conditions.
You acknowledge that a failure to comply with these terms and conditions entitles us to terminate your registered user status. We may determine at our discretion whether such a failure has occurred.
Links, Downloads, Features and Advertisements
This website contains links to third-party web sites. These links are provided solely as a convenience to you and not as an endorsement by IPBA of the contents of such third-party web sites.
We take no responsibility for the accuracy, content, or any aspect of that material, and disclaim any liability to you for such material or for any consequence of your decision to use the links provided or your use of such material. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to you by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between you and the providers of products and services at those other sites. You agree that you shall not bring a suit or claim against IPBA or any of our affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that IPBA or any of our affiliate’s sponsors, endorses, is affiliated, or associated with, or is legally authorised to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo, or copyright symbol of IPBA or any of our affiliates.
IPBA is not responsible for the content of any third-party web site, nor does it make any representation or warranty of any kind regarding any third-party web site including, without limitation:
(i) any representation or warranty regarding the legality, accuracy, reliability, completeness, timeliness, suitability of any content on any third-party web site.
(ii) any representation or warranty regarding the merchantability or fitness for a particular purpose of any material, content, software, goods, or services located at or made available through such third-party web sites; or
(iii) any representation or warranty that the operation of the third-party web sites will be uninterrupted or error free, that defects or errors in such third-party websites will be corrected or that such third-party websites will be free from viruses or other harmful components.
While IPBA encourages links to this website, it does not wish to be linked to or from any third-party web site which:
(i) contains, posts or transmits any unlawful, threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including, without limitation, any content constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law, regulation which may be damaging or detrimental to the activities, operations, credibility or integrity of IPBA Solutions or which contains, posts or transmits any material or information of any kind which promotes racism, bigotry, hatred or physical harm of any kind against any group or individual, could be harmful to minors, harasses or advocates harassment of another person, provides material that exploits people under the age of 18 in a sexual or violent manner, provides instructional information about illegal activities, including, without limitation, the making or buying of illegal weapons; or
(ii) contains, posts, or transmits any information, software or other material which violates or infringes upon the rights of others, including material which is an invasion of privacy, or which is protected by copyright, trademark, or other proprietary rights. IPBA reserves the right to prohibit or refuse to accept any link to this website, including, without limitation, any link which contains or makes available any content or information of the nature, at any time. You agree to remove any link you may have to this website upon the request of IPBA.
Registration and Use of Passwords
To access pages and features of this website, you may be asked to register with IPBA. You agree:
(i) that IPBA reserves the right to refuse registration access to any individual or organisation at any time.
(ii) to provide true, accurate, current, and complete information about yourself as prompted by any form provided by IPBA; and
(iii) to maintain and promptly update the information you provide to keep it true, accurate, current, and complete.
To access pages of this website, you may need to use a username and password, which you will receive through our website registration process. It is your responsibility to maintain the confidentiality of the password and account, and you are responsible for all activities that occur using your password or account. You agree to notify IPBA immediately of any unauthorised use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. IPBA cannot and will not be liable for any loss or damage arising from your failure or IPBA failure to protect your password or account information.
Security of Information on the Internet
You should note that information sent or received over the Internet is generally unsecure and IPBA cannot and does not make any representation or warranty concerning security of any communication to or from this website or any representation or warranty regarding the interception by third parties of personal or other information.
Governing Law and Jurisdiction
This website (excluding linked Web sites) is controlled by IPBA based in the state of Queensland, Australia. By accessing or using this website, you agree that all matters relating to your access to, or use of, this website shall be governed by the laws of the state of Queensland and, and the laws of Australia. You agree and hereby submit to the non-exclusive jurisdiction of the Federal Court of Australia and/or the courts of the state of Queensland with respect to such matters.