The following information is important as it effects your rights to access and make use of the information on this website and any information you may obtain through the Better Investing Network. 

WBI International Pty Limited, The Better Investing Network, www.Investor-Net.com, (hereafter collectively referred to as "WBI"), its subsidiaries, partners and affiliates, are publishers and providers of educational and information services. All information is provided on an 'as is' basis, and you, the site visitor and/or purchaser of Products and Services, agree to obtain independent professional advice as to the accuracy of the information as well as the appropriateness of the information for your own personal circumstances. If you do not agree to the above, you must leave this site, and not make use of any information obtained from WBI.

By utilising this site, and the information and services made available through it and separately by WBI International, you agree to and accept the Usage Terms and Conditions as outlined below.

Click the following link for the full legal text of the Usage Terms & Conditions.

A summary of some of the information contained in the Usage Terms & Conditions is outlined below;

Visitors to this site as well as purchasers of WBI Product & Services ("You", "Your", "User", or "Subscriber") acknowledge and accept that investing carries risks, that past performance is no indication of future results.  WBI operates as a publisher of educational information, and a facilitator of member services only. It makes no recommendation as to the validity of information it provides, nor makes any recommendation as the the appropriateness of the information for any particular person. WBI is not licensed to provide, legal, accounting or financial advice, and will never do so, whether it be personalised or general. Visitors to this site and purchasers of our Products and Services agree to obtain independent financial, legal and/or accounting advice from a professional advisor prior to making any financial or investment decisions based upon information obtained from WBI. BICD Members, subscribers and visitors acknowledge and accept that (i) BICD data is member supplied, and that it may therefore contain inaccuracies, ommissions, and/ or be intentionally misleading.  WBI therefore makes no warranty as to currency or accuracy of the information provided. Whilst the membership constantly updates the integrity and validity of data,  BICD data is only to be used as a starting point for further evaluation  Contributors to the BICD are expected to contribute information as personal opinion only, (similar to online discussion forums). Contributors are to only provide feedback independent of their own commercial (not investing) interests, of a non-offensive nature, etc, that is of interest and benefit to BICD Subscribers.  Contributors in doubt as to their legal rights to contribute information in this forum, should rather withhold doing so until they have satisfied themselves after obtaining independent legal advice.   By choosing to subscribe to the BICD, users agree not to hold WBI liable for any financial, or other, impacts arising out of their use of this service (and similarly for all other Products and Services provided by or provided through WBI). WBI is proud to associate itself with the partners and suppliers it displays, links to or otherwise advertises. WBI does not however endorse that a product or service is suitable to a particular client. Due to the largely investment-oriented nature of the material supplied by WBI, the user agrees to seek independent advice as to the appropriateness of each and every product for their own use. WBI receives financial benefit from advertising and providing Products and Services from independent 3rd party suppliers. Upon request WBI must and will disclose to you the details of the financial compensation it receives in each of these arrangements, in accordance with Australian law. You agree to take responsibility for your own actions, and to independently verify that any information obtained from WBI is appropriate to your own circumstances, as well as that it is valid, legal and applicable in the jurisdiction from which you operate.