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SIMPLY WALL STREET TERMS AND CONDITIONS


FINANCIAL ADVICE WARNING

The information given by Simply Wall St and provided in the web and/or mobile
applications (Platforms) is either factual information or general advice. It is
based upon the results of our analysis model.

Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised
Representative (Authorised Representative Number: 467183) of Sanlam Private
Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is
general advice only and has been prepared without considering your objectives,
financial situation or needs. You should not rely on any advice and/or
information contained in this website and before making any investment decision
we recommend that you consider whether it is appropriate for your situation and
seek appropriate financial, taxation and legal advice. Please read our Financial
Services Guide before deciding whether to obtain financial services from us.

Please read our Financial Services Guide to learn more.


ACCOUNT CREATION

To create an account, you must be:

 * at least 18 years of age;
 * possess the legal right and ability to enter into a legally binding agreement
   with us; and
 * agree and warrant to use these Platforms in accordance with these Terms.

We retain the right to cancel your account for any reason, or refuse your
account creation request.


COLLECTION NOTICE

We collect personal information about you in order to provide our services and
for purposes otherwise set out in our Privacy Policy. That document should be
read in conjunction with this document.


ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

The information on our Platforms is not comprehensive and is intended to provide
a summary of the subject matter covered. While we use all reasonable attempts to
ensure the accuracy and completeness of the data and information on our
Platforms, to the extent permitted by law, including the Australian Consumer
Law, we make no warranty regarding the information on these Platforms. You
should monitor any changes to the information contained on these Platforms.

Furthermore we make no commitments in regards to the minimum amount of uptime
that our platforms will maintain, although we will make ever reasonable attempt
to ensure that the platforms are operational.

We are not liable to you or anyone else if interference with or damage to your
computer systems occurs in connection with the use of these Platforms or a
linked website. You must take your own precautions to ensure that whatever you
select for your use from our Platforms is free of viruses or anything else (such
as worms or Trojan horses) that may interfere with or damage the operations of
your computer systems.

We may, from time to time and without notice, change or add to the Platforms
(including the Terms) or the information, products or services described in it.
However, we do not undertake to keep the Platforms updated. We are not liable to
you or anyone else if errors occur in the information or the Platforms is not
up-to-date.


PROMOTIONS AND COMPETITIONS

For certain campaigns, promotions or contests, additional terms and conditions
may apply. If you want to participate in such a campaign, promotion or contest,
you need to agree to the relevant terms and conditions applicable to that
campaign, promotion or contest. In case of any inconsistency between such terms
and conditions and these Terms, those terms and conditions will prevail.


TRIALS

New users to Simply Wall St are able to request a trial subscription. This trial
shall be up to a maximum of 30 days to allow the user to assess the full Simply
Wall St experience. Users (or households) are restricted to one trial per 12
months, and approval of a trial is at our sole discretion.


PURCHASES

Users are able to purchase premium services from Simply Wall St. These services
can be delivered via subscription or one off payments. We reserve the right to
cancel or refuse access to our premium services for any user. The following
terms apply to those users that have purchased said premium features.

 * Discounts/Promotional Prices;
   
   Users that subscribe under a reduced rate shall have the discount applied for
   that period only (i.e. as advised on the offer, up to a maximum of 12
   months). After which time, their rate shall revert to standard pricing at
   that date.

 * Changes in price;
   
   Simply Wall St reserves the right to change our pricing at any time, and with
   reasonable notice to our subscribers. At the end of the notice period the
   user’s next billing period (i.e. monthly or annually) payment shall be at the
   revised price.

 * Payment methods and security;
   
   Payments are via credit card and are handled by a third party payment service
   called Stripe. Credit card details are not stored on Simply Wall St’s
   systems.

 * Cancellation;
   
   Users can cancel their subscription at any time. Users shall not be entitled
   to a partial refund, however, at our sole discretion, we may choose to give
   users a partial refund.

 * Refunds;
   
   We offer a 14 day money back guarantee for all new subscribers from their
   sign up date. Past the 14 day period refunds shall be at our sole discretion.

 * Subscription fees
   
   If applicable, users authorise Simply Wall St to automatically debit their
   credit card on their initial registration and then on each subsequent
   anniversary of their billing cycle (i.e. monthly or annually), until
   cancelled.

 * Sole use only
   
   Users are unable to share access to their premium features unless explicitly
   approved under their subscription level.

 * Australian Users
   
   Fees charged to Australian users are subject to GST.


LINKED SITES

Our Platforms may contain links to websites operated by third parties. Those
links are provided for convenience and may not remain current or be maintained.
Unless expressly stated otherwise, we do not endorse and are not responsible for
the content on those linked websites and have no control over or rights in those
linked websites.


INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, we own or license from third parties all rights,
title and interest (including copyright, designs, patents, trademarks and other
intellectual property rights) in these Platforms and in all of the material
(including all text, graphics, logos, audio and software) made available on
these Platforms (Content).

Your use of these Platforms and use of and access to any Content does not grant
or transfer any rights, title or interest to you in relation to these Platforms
or the Content. However we do grant you a licence to access these Platforms and
view the Content on the terms and conditions set out in this Agreement and,
where applicable, as expressly authorised by us and/or our third party
licensors.

Outside of the affiliate or partnership program, social sharing buttons,
infographic download feature, PDF download feature (only available with selected
subscription levels) or with written permission any reproduction or
redistribution of these Platforms or the Content is prohibited and may result in
civil and criminal penalties. In addition, you must not copy the Content to any
other server, location or support for publication, reproduction or distribution
is expressly prohibited.

All other use, copying or reproduction of these Platforms, the Content or any
part of it is prohibited, except to the extent permitted by law.


NO COMMERCIAL USE

Outside of the affiliate/partnership programs, and the professional membership
levels these Platforms are for your personal, non-commercial use only. You may
not modify, copy, distribute, transmit, display, perform, reproduce, publish,
license, commercially exploit, create derivative works from, transfer, or sell
any Content, software, products or services contained within these Platforms.
You may not use these Platforms, or any of its Content, to further any
commercial purpose, including any advertising or advertising revenue generation
activity on your own website.


UNACCEPTABLE ACTIVITY

You must not do any act that we would deem to be inappropriate, is unlawful or
is prohibited by any laws applicable to these Platforms, including but not
limited to:

 * any act that would constitute a breach of either the privacy (including
   uploading private or personal information without an individual's consent) or
   any other of the legal rights of individuals;
 * using these Platforms to defame or libel us, our employees or other
   individuals;
 * uploading files that contain viruses that may cause damage to our property or
   the property of other individuals; and
 * posting or transmitting to these Platforms any non-authorised material
   including, but not limited to, material that is, in our opinion, likely to
   cause annoyance, or which is defamatory, racist, obscene, threatening,
   pornographic or otherwise or which is detrimental to or in violation of our
   systems or a third party's systems or network security.

If we allow you to post any information to our Platforms, we have the right to
take down this information at our sole discretion and without notice.


WARRANTIES AND DISCLAIMERS

To the maximum extent permitted by law, including the Australian Consumer Law,
we make no warranties or representations about these Platforms or the Content,
including but not limited to warranties or representations that they will be
complete, accurate or up-to-date, that access will be uninterrupted or
error-free or free from viruses, or that these Platforms will be secure.

We reserve the right to restrict, suspend or terminate without notice your
access to these Platforms, any Content, or any feature of these Platforms at any
time without notice and we will not be responsible for any loss, cost, damage or
liability that may arise as a result.


LIABILITY

To the maximum extent permitted by law, including the Australian Consumer Law,
in no event shall we be liable for any direct and indirect loss, damage or
expense – irrespective of the manner in which it occurs – which may be suffered
due to your use of our Platforms and/or the information or materials contained
on it, or as a result of the inaccessibility of these Platforms and/or the fact
that certain information or materials contained on it are incorrect, incomplete
or not up-to-date.


COOKIES

This website utilises cookies. If you do not have cookies enabled in your web
browser some functions of the site may not work as intended.


JURISDICTION AND GOVERNING LAW

Your use of these Platforms and these Terms are governed by the law of New South
Wales, Australia and you submit to the non-exclusive jurisdiction of the courts
exercising jurisdiction in New South Wales, Australia.


SPECIAL CONDITIONS IN RELATION TO S&P CAPITAL IQ

S&P Capital IQ is the major data provider to Simply Wall St, which is provide to
under a license arrangement. For the purposes of this of this special condition
LICENSEE shall mean Simply Wall St, and S&P Services/S&P shall mean S&P Capital
IQ. Furthermore:

A)

 1. “Licensee Customer” shall mean an entity that is a customer of LICENSEE and
    (a) provides access to the S&P Service(s) to its employees only for their
    internal use for business purposes; and (b) can access any of the S&P
    Service(s) only via a password/user ID issued by LICENSEE.

 2. “End User” shall mean an individual that is a customer of LICENSEE and (a)
    whose use of the S&P Service(s) shall be solely for his/her personal
    non-commercial use; and (b) who can access any of the S&P Service(s) only
    via a password/user ID issued by LICENSEE.

B)

S&P Service(s) agrees that:

 1. Neither LICENSEE, S&P, their affiliates nor any third-party licensor shall
    have any liability for the accuracy or completeness of the information or
    software furnished through the Licensee Service, or for delays,
    interruptions or omissions therein nor for any lost profits, indirect,
    special or consequential damages;

 2. Either LICENSEE, S&P, their affiliates or third-party licensors have
    exclusive proprietary rights in any information and software received;

 3. Subscriber shall not use or permit anyone to use the information or software
    provided through the Licensee Service for any unlawful or unauthorized
    purpose;

 4. Subscriber is not authorized or permitted to furnish such information or
    software to any person or firm for reuse or retransmission without prior
    written approval of the source of such information or software;

 5. Access to the S&P Service(s) is subject to termination in the event that any
    agreement between LICENSEE and a provider of information or software
    distributed through the Licensee Service is terminated in accordance with
    its terms; and

 6. The use of the S&P Service(s) by End Users and Licensee Customers shall be
    in compliance with Section A(i-ii) above.


Simply Wall St™
Simply Wall Street Pty Ltd
Level 7, 320 Pitt Street, Sydney

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Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised
Representative (Authorised Representative Number: 467183) of Sanlam Private
Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is
general advice only and has been prepared without considering your objectives,
financial situation or needs. You should not rely on any advice and/or
information contained in this website and before making any investment decision
we recommend that you consider whether it is appropriate for your situation and
seek appropriate financial, taxation and legal advice. Please read our Financial
Services Guide before deciding whether to obtain financial services from us.