Terms and Conditions

Effective Date: [Insert Date, e.g., 1 January 2026]

Welcome to Australian Financial Gazette (the “Website”), operated by Australian Financial Gazette, located at Suite 1, Floor 8, 1 The Esplanade, Perth WA6000 (“we”, “us”, or “our”).

By accessing, browsing, or using the Website, including any content, services, newsletters, or mobile applications (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please do not use the Services.

We may update these Terms at any time. Changes will be posted on this page with the updated effective date. Your continued use of the Services after changes constitutes acceptance of the revised Terms.

1. Use of the Services

  • Eligibility: You must be at least 18 years old or have the legal capacity to agree to these Terms. By using the Services, you represent that you meet these requirements.
  • Permitted Use: You may access and view content for personal, non-commercial use only. You agree not to:
    • Copy, reproduce, distribute, or modify any content without our prior written consent.
    • Use the Services for any unlawful purpose or in violation of Australian law.
    • Interfere with the Services (e.g., hacking, introducing viruses, or overloading servers).
    • Impersonate any person or entity.
  • Account Registration: Some features (e.g., commenting, subscriptions) require an account. You must provide accurate information and keep your password secure. You are responsible for all activity under your account.

2. Intellectual Property

  • All content on the Website, including articles, images, videos, logos, and trademarks (e.g., “Australian Financial Gazette”), is owned by us or our licensors and protected by Australian copyright, trademark, and other intellectual property laws.
  • You may share links to our content or quote short excerpts with proper attribution (e.g., “Source: Australian Financial Gazette”), but you may not republish or monetize our content without permission.
  • We grant you a limited, non-exclusive, revocable license to view and use the Services as intended.

3. User-Generated Content

  • If you submit comments, feedback, or other content (“User Content”), you grant us a perpetual, royalty-free, worldwide license to use, modify, and display it.
  • You agree that your User Content will not be defamatory, illegal, or infringe on others’ rights.
  • We may remove or edit User Content at our discretion without notice.

4. Financial Information Disclaimer

  • The Services provide general financial news, analysis, and information for informational purposes only. This is not financial, investment, tax, or legal advice.
  • We do not recommend, endorse, or guarantee any investment, product, or service mentioned. Past performance is not indicative of future results.
  • You should seek independent professional advice before making financial decisions. We are not liable for any losses arising from reliance on our content.
  • Market data and quotes are sourced from third parties and may not be real-time or accurate. We disclaim responsibility for errors or omissions.

5. Third-Party Links and Content

  • The Services may include links to third-party websites or content. These are provided for convenience only, and we do not endorse or control them.
  • Your use of third-party sites is at your own risk, subject to their terms.

6. Subscriptions and Payments

  • Some Services (e.g., premium articles, newsletters) require a paid subscription.
  • Payments are processed securely via [e.g., Stripe or your payment provider]. All fees are in Australian Dollars (AUD) and include GST where applicable.
  • Subscriptions auto-renew unless canceled. You can cancel anytime via your account settings, but no refunds for partial periods.
  • We may change subscription fees with notice. Failure to pay may result in suspension of access.

7. Privacy

  • Your privacy is important. Please review our Privacy Policy for details on how we collect, use, and protect your personal information.
  • By using the Services, you consent to our data practices in accordance with the Privacy Act 1988 (Cth).

8. Limitation of Liability

  • To the maximum extent permitted by law (including under the Australian Consumer Law), we provide the Services “as is” without warranties of any kind.
  • We are not liable for any indirect, incidental, consequential, or punitive damages (e.g., loss of profits, data, or opportunity) arising from your use of the Services.
  • Our total liability is limited to the amount you paid us in the 12 months prior to any claim.

9. Indemnification

  • You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your breach of these Terms or misuse of the Services.

10. Termination

  • We may suspend or terminate your access to the Services at any time, with or without cause, including for violations of these Terms.
  • Upon termination, your right to use the Services ends, but Sections 2, 4, 8, 9, and 11 survive.

11. Governing Law and Dispute Resolution

  • These Terms are governed by the laws of Perth, Australia.
  • Any disputes will be resolved exclusively in the courts of Perth.
  • If any provision is invalid, the remainder remains in effect.

12. Contact Us

  • For questions about these Terms, email us at news@australianfinancialgazette.com or write to Suite 1, Floor 8, 1 The Esplanade, Perth WA6000.

Thank you for using Australian Financial Gazette. We appreciate your support!