Terms & Conditions
and Privacy Policy
Terms and Conditions
Important!
Read the following carefully (it’s not the same old yada, yada, legal stuff):
Important:
Barefoot Investor does not take money or any other benefits whatsoever from any person and would never make a positive recommendation encouraging any person to make an investment decision to earn a commission or fee or any similar kickback.
We discuss products and features of products and do it for the purpose of educating our readers and we never make recommendations to buy or sell specific products.
What do we do?
We publish fiercely independent, straight-talking articles to educate you on money matters…. whether you’re 8 or 80.
We are publishers. We are not financial advisors or product providers. We do not provide investment advice whether it is general advice or advice that is tailored to any reader’s personal situation. While we discuss potential options to questions on financial matters, these discussions should not be construed as general advice or advice that is tailored to any reader’s personal situation. These discussions are prepared purely to educate readers on money matters.
When we discuss questions from readers, our opinions should not be construed as general or personal advice and should be treated as educational information to help readers to ask questions, think about issues and be in an informed position when they speak to their own independent financial advisers.
To be clear: You should seek independent financial advice before making decisions on financial matters.
Disclaimer
A WARNING FROM OUR LAWYER
Information provided by the Barefoot Investor is general in nature and is prepared for educational purposes only and does not constitute general or personal financial advice. Remember, the value of any investment can go down as well as up. Before deciding to make investments or acquire or dispose of financial products, you should consider seeking independent financial advice that is tailored to your needs.
Acceptance of Terms and Conditions
By subscribing to the Services or becoming a member of the Barefoot Investor social media community or other forums, you acknowledge and accept that your conduct evidences that you accept these Terms & Conditions as well as our Privacy Policy. By accessing the Services, you acknowledge you have read, understood and agree to be legally bound by the Terms & Conditions and to the collection and use of your personal information in accordance with our Privacy Policy.
If you do not agree to the terms and conditions, as amended from time to time, you are not permitted to use the Services or Barefoot Investor social media or other forums.
Privacy
Barefoot Investor collects personal information to conduct special offers, provide you with the Services and promote its services and those of its sponsors and business partners. Barefoot Investor may, for an indefinite period unless otherwise advised, use the information for future marketing, promotional, publicity, research and profiling purposes. If you do not consent to the use of your information for these purposes or you wish to access, update or correct personal information please advise us in writing.
Cookies and Links
This website uses cookies. If you do not have cookies enabled in your web browser some functions of the site may not work as intended. Our websites and emails may contain links to websites not owned or operated by Barefoot Investor. We accept no liability for the availability or content on these sites.
Warning acknowledgement
You acknowledge that Barefoot Investor has given you sufficient warning that any educational discussions or opinions given by Barefoot Investor through the Services, social media or other forums is information or opinion only and does not constitute general or personal financial advice.
You also acknowledge that Barefoot Investor recommends that you always consider whether financial the information and opinions are suitable for your unique needs and circumstances and you need to consider your personal objectives, financial situation and future requirements and where there is one available, you should be carefully reading any product disclosure statement, prospectus or other offer document, before making any investment decisions or dealing in financial products.
The Services may include information on the past performance of an investment or a financial product. It is important to note that past performance is not indicative of future performance.
The information provided as part of the services may indicate Barefoot Investor’s present views, however, Barefoot Investor’s views may change without notice and you acknowledge that you must seek advice before acting upon any recommendation and make your own enquiries before any decision to invest or deal in a financial product.
Barefoot Investor employees and associates may hold one or more investments or financial products referred to in the Services. These holdings do not constitute general advice recommendations.
Staff Trading Policy
To avoid conflicts of interests, Barefoot Investor imposes the following trading restrictions:
(a) If any content on the Information Services discusses buying or selling an investment, staff must not trade against this recommendation for a period of 10 days (5 trading days prior to and 5 trading days after publication).
(b) If a discussion is published on the Information Services and there is additional discussion on buying or selling an investment, staff will not be permitted to trade for 10 days (5 trading days prior to and 5 trading days after the change in recommendation was first published).
Limitation of liability
You acknowledge that Barefoot Investor will not be liable to you or your associates’ agents for any liability, claim, direct or indirect loss or lost opportunity or any other detriment suffered because of or in connection with your use, or reliance upon:
the information or advice provided as part of any educational discussions published as part of the services or any other information accessed in connection with the Services or Barefoot Investor social media, or other forums;
your use, or reliance upon, the information in any external website, including a website which is referred to by a hyperlink from the Service;
you making an investment or dealing in a financial product;
the failure or poor performance of any investment or financial product;
the failure of any investment or financial product to meet your expectations;
any failure to meet any projections, or statements of future events, made in relation to any investment or financial product;
any misrepresentations whether by statement or omission by third parties or any other defects in relation to any investments or financial products;
any failure of Barefoot Investor’s systems, including information technology and business systems;
any advice, recommendations, representations or statements made by Barefoot Investor or any other party in connection with the Services, Barefoot Investor social media or other forums which you relied upon; and
any services provided by, or representations or statements or opinions by a third-party, whether the third-party was recommended by Barefoot Investor.
Warrantees and acknowledgements
You acknowledge and agree that:
the Services will not operate on a continuous basis, and may be unavailable from time to time including for maintenance purposes;
Barefoot Investor reserves the right to alter, amend or cease the operation of the Services at its discretion without any notice;
information and materials in the Services may contain inaccuracies and errors and we expressly exclude liability for any inaccuracies or errors;
the Services are designed to inform and educate and Barefoot Investor does not intend the Services to influence your decision about any investment or dealing in financial products;
if Barefoot Investor provides you with information and opinions, this has been prepared purely for educational purposes and does not constitute general or personal advice ;
you should consider whether the discussions and information may be useful to you considering your personal objectives, financial situation and future requirements and obtain a product disclosure statement, prospectus or offer document before making decisions;
if you provide Barefoot Investor with information about your objectives, financial situation or future requirements, Barefoot Investor will not take them into account when publishing discussions or information and opinions and so such information and opinions is prepared purely for education purposes;
you should seek advice from a suitably qualified adviser before making any decisions about investments or dealing in financial products;
Barefoot Investor will not, at any time, provide general advice or assess whether a financial or other product is suitable for you, your financial needs or your personal circumstances;
Barefoot Investor does not make promises or provide guarantees about the investment performance or repayment of capital for any investments or the future merits of any other financial products referred to or named in the Services, on Barefoot Investor social media or other forums;
investments and financial products carry the risk of volatility, loss of income or capital invested as well as delays in processing transactions;
Barefoot Investor is not qualified to provide, and will not provide you with, credit advice and any advice provided by Barefoot Investor is not intended to and does not constitute credit advice;
you must independently assess the quality and adequacy of any third-party referred to by Barefoot Investor in the Services, social media or other forums;
all referrals to third parties in the Services, social media or other forums do not constitute representations as to the merits of the product or the product provider or an endorsement; and
the content on the Services, social media and other forums have not been prepared for use by persons in any jurisdiction where it is unlawful to provide these. The laws of other jurisdictions may restrict the Services, social media and other forums so all contracts for the services may only be created in Australia and by subscribing for services you acknowledge that the contract is created in Australia.
You represent and warrant to us that you:
will be solely responsible for all your activities by accessing and using the Services;
are over the age of 18 and have the legal capacity to enter these terms and conditions;
will keep all passwords, account names, and login identifiers required to access the Services secure and confidential and if you become aware of unauthorised use you will change your password immediately and report it to Barefoot Investor;
will not use the Services in any way that causes, or is likely to cause, the Services or access to them to be interrupted, damaged or impaired in any way;
will not use any part of the Services that you are not authorised to use or devise ways to circumvent security to access the Services;
will not use or attempt to use the Services for any unlawful, criminal or negligent purposes – this includes, but is not limited to, breaking passwords, social engineering, denial-of-service attacks, harmful and malicious destruction of data, infringing the intellectual property rights of any person, and spreading computer viruses and invading privacy.
Indemnity
You agree to indemnify and keep Barefoot Investor indemnified against any loss, damage, liability or cost incurred by you or your associates in connection with any breach of these terms and conditions or any other legal obligation by you or your use of or conduct of the Services or social media.
Forums and Social Media
These terms and conditions also apply to the use of any forums and social media accesses in conjunction with the Services. You acknowledge and agree that:
Barefoot Investor does not endorse the accuracy or authenticity of any posts made by other people on any forums or social media;
posts are not made by Barefoot Investor unless noted;
Barefoot Investor moderates the Forums and in its sole discretion may require posts to be approved before publication, and/or publish, not publish, modify and/or delete any posts, without notice;
Barefoot Investor, in its sole discretion, can withdraw any person’s access to a forum or social media without notice;
you cannot offer for sale or advertise any products, services, charities or any other matters in posts on a forum or social media;
posts in a forum or social media may not be genuine or accurate; and
information about a post may be made available to other parties (including government regulators) at Barefoot Investor’s discretion and that other party may act on the post.
You represent and warrant to us that you:
are responsible for any post which you make on a forum or social media;
will not engage in misleading conduct (whether by statement or omission) on a forum or social media;
you will not make a post on a forum or social media which breaches any law, these terms or constitutes defamation;
will disclose if you have any interest, direct or indirect, in any financial product referred to in a post and must not make any posts that rely on inside information; and
will not insert hyperlinks to financial product advice provided by licensees or authorised representatives other than Barefoot Investor.
Personal use only
The Services are only for your personal use, unless otherwise agreed in writing. You must not share access to the Services with other people or redistribute the content of the Services by any means.
Grant of licence
Barefoot Investor grants you a revocable, non-exclusive, non-transferable licence to use Barefoot Investor’s services. This licence grant includes all new material and amended material contained in the Services. If you do not comply with these terms and conditions, you may be liable for all resulting damages suffered by you, Barefoot Investor and any third parties. Unless otherwise provided by these terms and conditions, you agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer or translate the content contained in the Services or otherwise attempt to create material that is derived from the content of the Services. Upon expiration or termination of the Services, this licence terminates and you agree to immediately cease all use of the Services.
Privacy Notice
All personal information you provide to us is maintained under the terms of our Privacy Policy as amended from time to time, which is incorporated into these Terms and Conditions by reference, and is available on our website.
General
Subscribers and members are expressly forbidden from claiming or making any assertion that they, whether as an individual or representative of a company, are the author of any material contained in the Services or Barefoot Investor social media, or other forums.
The Terms & Conditions, your use of the Services, social media and forums and any dispute arising out of these is governed by and construed in accordance with all applicable laws in force in the State of Victoria, Australia from time to time and the parties submit to the non-exclusive jurisdiction of the courts of the State of Victoria.
Privacy Policy
Your privacy is important to us.
The Barefoot Investor is dedicated to giving you fiercely independent educational information to help you to understand financial matters and investments. We are not dedicated to invading anyone’s privacy. Therefore we do not sell, rent or give away any visitor or member information that is collected from within the site.
All the personal information we collect is kept completely confidential and is only used to keep track of subscriptions, memberships, competition entries and to keep you informed of what is happening at the Barefoot Investor.
The Barefoot website may at times contain links to other sites. Barefoot Investor is not responsible for the information contained in these sites, or their privacy policies.
You have the choice to opt out of receiving our newsletters or any other communications from us at any time.