WEBSITE TERMS AND CONDITIONS
ULTIMUM FINANCIAL Pty Ltd Website Terms & Conditions
Please read these terms and conditions carefully. By accessing this website, you agree to be bound by the terms and conditions below. The use of Us, Our or We throughout these terms and conditions refer to:
Ultimum Financial Pty Ltd (ABN 60649 063 150) trading as Ultimum Financial Services
Registered Office: Level 1/38 Richardson Street, West Perth WA 6005
Copyright
Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by us unless otherwise stated. All rights reserved. You may download a single copy of information or publications found in this site and, where necessary for use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this website, or publications within this site, may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without our specific written consent.
General Advice Warning
The advice contained on this site does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product, persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information on this site. Persons doing so, do so at their own risk. Before acquiring a financial product, a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.
Calculators & Assumptions
Any calculators available on the site are designed to give you some examples of different financial scenarios, based on stated assumptions and the figures you input. The calculations are intended as estimates only; and are not meant to be retained or used for any practical purpose, or as a substitute for professional financial advice. While we have based the information on sources that we believe are reliable and accurate, your actual outcomes will depend on a range of factors outside of our control. So you shouldn’t rely on these calculators when making decisions about a financial product, fund or strategy. Instead, you should consider getting advice from a financial adviser.
Links to Third Party Sites
Our website may contain links to external websites. Whilst such links are provided for your convenience, you should be aware that the information handling practices of the linked websites might not be the same as ours and does not constitute endorsement of material at those sites or any associated organisation product or service. These external information sources are outside our control. It is the responsibility of users to make their own decisions about the accuracy, currency, reliability and correctness of the information at those sites. By accessing information at or through this site, each user waives and releases us to the full extent permitted by law from any and all claims relating to the usage of the material made available through the website. In no event shall we be liable for any incident or consequential damages resulting from use of the material. Each website will have its own privacy policy and security standards and you should check these as we cannot confirm what standards these third-party websites may adopt.
Terms of Use/Governing Law
The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site, and all matters relating to either, are governed by and are to be construed according to the laws applicable in the State of Western Australia and the Commonwealth of Australia ("Australian law"). The informatn may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information on this site is current at the date of publication but may be subject to change.
Limitation of liability
We do not warrant or represent that the information on this site is free from errors or omissions or is suitable for your intended use. We recommend that you seek independent advice before acting on any information on this site. Subject to any terms implied by law and which cannot be excluded, we accept no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information on this site.
Provision of services within Australia
This site is designed for Australian residents only. Nothing on this website is an offer or a solicitation of an offer to acquire any products or services, by any person or entity outside of Australia.
Your privacy is important to us.
This document should be read in conjunction with Ultimum Financial Pty Ltd Website Terms and Conditions. The Definitions set out in the Website Terms and Conditions apply to this Website Privacy Policy.
Privacy and Your Personal Information
Ultimum Financial Pty Ltd respects the privacy of your Personal Information. Personal Information is information about you, which includes information you have provided to Ultimum Financial Pty Ltd when creating an Account with Ultimum Financial Pty Ltd, which includes, but is not limited to your:
name;
address;
phone number;
email address;
location;
bank account details;
mortgage or other loan details;
shareholder/investment portfolios;
tax file numbers; and
payment methods.
No Personal Information is collected if you are simply browsing the Website.
Cookies
Data collection devices, called “cookies”, are files placed on your hard drive to collect information. Ultimum Financial Pty Ltd may use cookies to enhance the use of the Platform, not to record Personal Information. The recording of information about your use of the Website is useful for an overall analysis of traffic. Your browser will generally be set to automatically accept cookies.
If you do not want any cookies to be placed on your hard drive, you can alter your browser settings to refuse them. However, this may also limit the way you view the Platform.
Why ULTIMUM FiNANCIAL Pty Ltd Collects Your Personal Information
Ultimum Financial Pty Ltd main purpose for collecting your Personal Information is to facilitate your use of the Services. However, Ultimum Financial Pty Ltd may also use the information collected for the following:
to provide, maintain, protect and improve Ultimum Financial Pty Ltd;
to provide Users with access to certain restricted areas of the Platform;
for verification purposes;
for billing purposes;
to develop new services;
for analysis of usage of the Services;
to improve the Content offered; or
for marketing and promotion purposes.
By providing your Personal Information, you agree to the use of your Personal Information in this manner.
If you do not want to receive marketing and promotional material from Ultimum Financial Pty Ltd, you may opt out of receiving this type of communication at any time by clicking the ‘unsubscribe' link provided.
Disclosure of Your Personal Information
Ultimum Financial Pty Ltd will disclose your Personal Information in the following circumstances:
if required by law;
if Ultimum Financial Pty Ltd believes, in its absolute discretion, it is in the public interest;
to seek feedback, or monitor or improve quality of service;
to entities who assist Ultimum Financial Pty Ltd in providing, administering, supporting, improving, promoting and marketing the Services; to suppliers, contractors, debt collectors, data storage and management companies (including providers of cloud services), website hosting service providers, and interactive advertisers;
to companies that promote and market, or conduct research to help Ultimum Financial Pty Ltd improve and target the Services;
to related corporate bodies; or
where Ultimum Financial Pty Ltd otherwise obtains your permission to disclose the information, for example, where you opt to allow Unrelated Third Parties access to certain documents through the File Vault.
Ultimum Financial Pty Ltd may disclose your Personal Information to third parties overseas who provide services to Ultimum Financial Pty Ltd, including (where necessary) outsourced billing service providers. Ultimum Financial Pty Ltd takes reasonable steps to ensure that these overseas recipients to not breach the Privacy Act 1988 (Cth).
Ultimum Financial Pty Ltd may share aggregated, non-personally identifiable information publicly, for example, to show trends about the general use of Ultimum Financial Pty Ltd.
Security
You agree that no transmission of data over the Internet is guarantee as wholly secure and that any information you provide to Ultimum Financial Pty Ltd through the Internet, including via email, is at you own risk. You agree that, even though Ultimum Financial Pty Ltd uses its best endeavours to secure your Personal Information, such as email encryption, Ultimum Financial Pty Ltd cannot guarantee that any information sent or accessed electronically is secure.
You may also assist Ultimum Financial Pty Ltd in keeping your Personal Information secure by maintaining the confidentiality of your account information and notifying Ultimum Financial Pty Ltd immediately if there is any unauthorised use of your account, or any other breach of security relating to your account.
links
The Platform contains links to Third Party Websites, Ultimum Financial Pty Ltd is not responsible. We keep track of your interaction with Third Party Websites provided on the Platform in order to improve Ultimum Financial Pty Ltd and to aggregate statistics for the benefit of Ultimum Financial Pty Ltd and other third party service providers.
searches
When using Ultimum Financial Pty Ltd search function, the search terms you enter are collected and associated with your Account. This information is retained by Ultimum Financial Pty Ltd or its affiliates to allow Ultimum Financial Pty Ltd to provide information to you, now or in the future.
Accessing and Amending Personal Information
Subject to the exceptions listed in the Privacy Act, you have the right to access your Personal Information which is in the custody or control of Ultimum Financial Pty Ltd . You are able to change or update your account information at any time through the Platform.
If you wish to access Personal Information that you have provided to Ultimum Financial Pty Ltd but that is not available through your Access Credentials, please contact Ultimum Financial Pty Ltd and we will use our best endeavours to provide the information within 10 business days of receiving your request. Please note that Ultimum Financial Pty Ltd may charge a fee to cover the cost of meeting your request.
If Ultimum Financial Pty Ltd refuse your request, Ultimum Financial Pty Ltd will provide you with its reasons for refusal within 20 Business Days of your request.
From time to time your Personal Information may change. It is important that you inform Ultimum Financial Pty Ltd of changes to your details as and when they occur.
Complaints
If you believe that the privacy of your Personal Information is not effectively protected, or if you are concerned that your privacy has been compromised through the dissemination of your Personal Information, please contact Ultimum Financial Pty Ltd or AFSL Capstone Financial Planning Pty Ltd at the following email address compliance@capstonefp.com.au
Amendments
Ultimum Financial Pty Ltd in conjunction may amend this Website Privacy Policy from time to time. If Ultimum Financial Pty Ltd does make amendments, the amended Privacy Policy will be published on the Website and made available through the App.
You agree that it is your responsibility to check for updates to Ultimum Financial Pty Ltd Privacy Policy. You further agree that your continued use of the Platform is acceptance of Ultimum Financial Pty Ltd amendments to the Privacy Policy.
