OptionsAU Terms & Conditions and Privacy Policy

Effective Date: June 3, 2025

Welcome to OptionsAU (the "Website"). These Terms & Conditions and Privacy Policy (together, the "Policies") govern your use of our website, email newsletters, research reports, and blog content. By accessing or using our Website, you agree to be bound by these Policies. If you don't agree with any part of these Policies, please don't use our Website.

Part 1: Terms & Conditions

1. General Use

This Website provides an email newsletter, financial research reports, and blog content for educational purposes only.
You agree to use the Website and its content for lawful purposes only and in a way that doesn't infringe on the rights of, or restrict or inhibit the use and enjoyment of this Website by any third party.

2. Account Creation and Security

To access certain content, like research reports, you may need to create an account using your email address and name.
You're responsible for keeping your account details confidential and for all activities that happen under your account. You agree to tell us immediately about any unauthorized use of your account or any other security breach.
We can suspend or end your account at our discretion, without notice, for any conduct we believe violates these Terms or is harmful to other users of the Website, us, or third parties, or for any other reason.

3. Payments (Managed by Stripe)

All payments for subscriptions or content are processed securely through Stripe. We don't directly collect or store your full payment card details on our servers.
By making a payment, you agree to Stripe's terms and conditions and privacy policy. We're not responsible for any issues arising from your use of Stripe's services.

4. Intellectual Property

All content on this Website, including text, graphics, logos, images, financial data, research reports, and software, belongs to OptionsAU or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws.
You can't reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as generally and expressly allowed through the Website’s functionality.
Subscribing to our services gives you a non-exclusive, non-transferable license to access and view the subscribed content for your personal, non-commercial use only.

5. Disclaimer of Financial Advice

The content provided on this Website, including financial research reports, email newsletters, and blog posts, is for educational and informational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice.
You should not make any financial decisions based solely on the information presented on this Website. We recommend that you consult with a qualified financial professional before making any investment decisions.
We don't guarantee the accuracy, completeness, or timeliness of any information on this Website. Financial markets are volatile, and past performance doesn't indicate future results.

6. Limitation of Liability

To the fullest extent allowed by law, OptionsAU, its directors, employees, or agents won't be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Website; (ii) any conduct or content of any third party on the Website; (iii) any content obtained from the Website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we've been informed of the possibility of such damage.
Nothing in these Terms excludes, restricts, or modifies any guarantee, warranty, term, or condition implied or imposed by any legislation which can't lawfully be excluded or limited, including the Australian Consumer Law.

7. Links to Third-Party Websites

This Website may contain links to third-party websites or services that are not owned or controlled by OptionsAU.
We have no control over, and aren't responsible for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that OptionsAU won't be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

8. Changes to Terms & Conditions

We can, at our sole discretion, modify or replace these Terms & Conditions at any time. If a change is material, we'll try to give at least 30 days' notice before any new terms take effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Website after those changes become effective, you agree to be bound by the revised terms.

9. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of Victoria, Australia, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of Victoria, Australia.

Part 2: Privacy Policy

Your privacy is critically important to us. This Privacy Policy outlines how OptionsAU collects, uses, manages, and discloses your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

1. Collection of Personal Information

We collect personal information that's reasonably necessary for us to provide our services and manage your subscription. The types of personal information we collect include:

Contact Information: Your name and email address when you create an account, subscribe to our newsletter, or fill out a form.
Payment Information: When you make a purchase, payment information is collected and processed securely by our third-party payment processor, Stripe. We don't store your full payment card details on our servers.

2. How We Collect Personal Information

We collect personal information directly from you when you:

Create an account on our Website.
Subscribe to our email newsletter.
Purchase research reports or other content.
Contact us via email or our contact forms.

3. Purpose of Collection and Use of Personal Information

We collect and use your personal information for these purposes:

To provide and manage your subscription to our email newsletter and research reports.
To deliver the content and services you've requested.
To process your payments for subscriptions and content through Stripe.
To communicate with you regarding your account, subscriptions, updates, and customer service inquiries.
To send you marketing communications about our products and services that we believe might interest you, where you've opted in or it's otherwise allowed by law.
To comply with our legal obligations.

4. Disclosure of Personal Information

We won't disclose your personal information to third parties except in these situations:

To Stripe: For the purpose of processing your payments. Stripe's handling of your personal information is governed by their own privacy policy.
When Required by Law: If we're legally required to do so by a court order, law enforcement agency, or other government authority.
With Your Consent: Where you've given us explicit consent to share your information for a specific purpose.

We don't sell, rent, or trade your personal information to third parties for their marketing purposes.

5. Direct Marketing

We may send you marketing communications via email about our products and services.
You can opt-out of receiving these marketing communications anytime by using the "unsubscribe" link in the emails or by adjusting your preferences within your account settings on our Website.

6. Data Security

We take reasonable steps to protect the personal information we hold from misuse, interference, and loss, as well as from unauthorized access, modification, or disclosure.
We use industry-standard security measures, including secure payment processing (Stripe) and access controls. However, no data transmission over the internet can be guaranteed to be 100% secure. So, while we strive to protect your personal information, we can't guarantee its absolute security.

7. Accessing and Correcting Your Personal Information

You have the right to request access to the personal information we hold about you.
You also have the right to ask us to correct any personal information that's inaccurate, out-of-date, incomplete, irrelevant, or misleading.
To access or correct your information, please contact us using the details below. We may ask you to verify your identity before giving access or making corrections.

8. Overseas Disclosure

Since your payments are processed by Stripe, your payment information may be transferred to and processed in countries outside of Australia where Stripe or its service providers operate.
Beyond this, we don't intentionally disclose personal information to overseas recipients.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. We'll let you know about any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

10. Contact Us

If you have any questions about these Terms & Conditions or this Privacy Policy, or if you want to make a complaint about how we've handled your personal information, please contact us at:

hello@optionsau.com

We'll respond to your complaint or inquiry as soon as reasonably practicable. If you're not satisfied with our response, you may have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).