Website Use Agreement

This agreement is between Your Family Your Money (hereafter referred to us ‘us’, ‘we’ or ‘our’) and the user of this website (hereafter referred to as ‘you’ or ‘your’). Your use of this website is subject to the following terms and conditions. Please ensure that you understand and accept these terms and conditions before using this website. This use agreement must be considered in conjunction with our privacy policy, disclaimer and all other terms and conditions outlined in this website.


You agree that you will not use this website for fraudulent purposes and will not violate or attempt to violate the security of this site, including gaining unauthorised access to this website though the use of another person’s username and password.


You agree that you will not share your username or password with another person, or allow such information to be easily accessed by another person.


You agree that you will use the website in a responsible manner and in accordance with all applicable state and federal laws.


You agree that you will not use this website to send, receive, upload, download, use or reuse any material that is offensive, abusive, indecent, defamatory, obscene, menacing or unlawful in any way. You agree that you will not use this website in such a manner that causes annoyance or inconvenience to any other user.


Services provided on the website
We reserve the right to add, modify or discontinue any of the services offered on this website at any time without notice. We will not be held liable for any decision to modify or discontinue a service.

You agree that Your Family Your Money may contact you at the email or other address which you provide to us in order to: 


Registration
Registration for membership to this website is free. Registration entitles you to see restricted content on this website and to participate in forums. To register you must complete the registration form and create a username and password. You must submit a valid email address to complete the registration process.


Future changes to this agreement
We reserve the right to make changes to this agreement at any time and without prior notice. We further agree to revoke the registration of any party deemed to be acting outside the parameters of this agreement. Notification of changes made to this agreement will be posted on this website and your continued use of this website will constitute an agreement to abide with any changes made.


Website availability
This website may be unavailable from time to time, for scheduled or unscheduled maintenance. We will endeavour to keep such occurrences to a minimum and to have the website operational again within a reasonable time frame. We will not be held liable for any consequences that you incur as a result of any down-time this website experiences.


Intellectual property
The reproduction of any part of the content of this website, without limitation, is prohibited other than for individual use only. You agree not to copy or otherwise reproduce any part of the content of this website to share with a third party, except with our express written permission. You agree not to incorporate this website or any of the material contained within it, in any work or publication of any kind, including electronic, hard copy or any other form. 


Reproduction of part or all of the contents in any form of the website is prohibited other than for individual use only, and the contents of this website may not be copied or otherwise shared with any third parties.


Without limitation, you agree that you will not print, distribute, display, sell, publish, broadcast, circulate, disseminate or commercially exploit, in any form or by any method whatsoever, part or all of the contents of the website, or incorporate the website material, or any part of it, in any work or publication, whether in hard copy, electronic, or any other form.


Unless otherwise stated all content on this site whether written, audio or video is protected by copyright or trademark and all rights are reserved.


Your contributions to the website
You may submit content to this website for publication. Your Family Your Money, at its sole discretion, may determine whether (or not) your content will be published, and reserves the right to edit, or amend, any content submitted by you. You warrant that you are permitted to submit the content to the website, and that you will not submit, post on the website, or email any material in breach of any law, any obscene, explicit, pornographic, inflammatory material, or any material that could otherwise give rise to criminal or civil proceedings.

You agree (and warrant) that you will only provide information to Your Family Your Money if you own all of the intellectual property rights in that information. Except for your personal information (which is dealt with under the Privacy Policy), You immediately assign to Your Family Your Money, upon creation, all intellectual property rights in all information provided by you to Your Family Your Money (including your website postings).

You agree to waive all moral rights in the content that you provide (and ensure that you obtain all moral rights waivers in relation to all the content that you provide) to Your Family Your Money, and that these waivers require that you (and all applicable third parties) consent to any use which Your Family Your Money (or any person permitted to do so by Your Family Your Money) may require. You agree, and must ensure that, neither you require, or any third party requires, to be attributed as the source of the content that you provide to Your Family Your Money.


Third party information
This website may contain materials produced by third parties or links to other websites. Such materials and websites are provided by third parties and are not under our direct control and we accept no responsibility or liability in respect of any such third party materials, or for the operation or content of other websites (whether linked to this website or not). You acknowledge that we are entitled to require you to remove any link from another website to this website that you install without obtaining our prior written consent.


This website and associated publications reference and link to many internet sites that may be of interest and assistance to users. The authors and associated parties to this website make no representation or warranty of any sort with respect to the value, accuracy or completeness of the information contained on any of these internet sites, and specifically disclaim any liability for any information contained on, or omissions from, these internet sites. References to internet sites shall not be construed to be an endorsement of the internet sites, the companies or organisations represented by the internet sites or of the information contained thereon, by the author, publisher or associated parties. The same disclaimer applies to the use of postal and telephone information contained. Users shall in all circumstances determine and be responsible for their own use of these internet sites, postal details and telephone numbers as provided to assist users by the authors associated parties. Users must take ultimate responsibility for all of their decisions in relation to all of the information contained within this website and associated publications


Disclaimer
This disclaimer applies to the Your Family Your Money website and associated publications and any and all consumers of the information they contain, hereafter referred to as ‘users’.


This website and all associated publications are designed to provide accurate, current and authoritative information about the subject matter covered but are not considered to offer personal legal, accounting, or other professional advice. Any reference or mention to the word ‘advice’ in this website should be taken to solely mean ‘general advice’, as all the material in this publication is of a general nature only and neither purports nor intends to be personal and/or specific advice. Users therefore should not act on the basis of any financial or money related matters in this publication without taking professional advice from a licensed financial planner, with due regard to their own particular or personal circumstances.


Users should also take sole responsibility for their actions on the basis of any other areas or matters covered in this publication. Users therefore should not act on the basis of any other areas or matters covered in this website or associated publications without taking professional advice from a professional in that related field, with due regard to their own particular or personal circumstances.


The authors and all associated parties to this website expressly disclaim all and any liability to any person, group or entity, whether a member of this website or purchaser of any associated publication or not, in respect of anything and of the consequences of anything done or omitted to be done by any such person in reliance, whether whole or partial, upon the whole or any part of the contents of this website or associated publications.


Definitions
'Agreement' means the terms and conditions that apply to the use of the website which may be amended from time to time.


'Your Family Your Money' means Luna Group Pty Ltd t/as Your Family Your Money (ABN 22 131 437 306).


'Registration Form' means the online registration form to be completed by you in relation to your registration.


'Website' means internet website with the URL [www.yourfamilyyourmoney.com].


'You' means the user of the website (and 'Your' has the corresponding meaning).