1. About Us
This website and software platform ("Service") is provided by Lincoln Ruby Pty Ltd ACN 613 716 484, an Australian company. Our Service provides software tools to assist Australian family offices with investment portfolio management.
2. Acceptance of Terms
By accessing or using our Service, you agree to these Terms & Conditions. If you do not agree, you must not use the Service.
3. Eligibility
The Service is provided solely to Australian family offices and wholesale/sophisticated investors as defined under the Corporations Act 2001 (Cth). The Service is not intended for retail investors.
4. No Financial Advice
The Service is a technology platform only. We do not provide financial product advice, investment recommendations, or act as a financial services licensee. You are responsible for your own investment decisions and should seek independent professional advice before acting on any information.
5. Use of the Service
You must use the Service in compliance with Australian law. You must not misuse the Service, attempt to gain unauthorised access, or interfere with its operation.
6. Intellectual Property
All content, software, and materials provided through the Service are owned by us or our licensors. You are granted a limited, non-exclusive, non-transferable licence to use the Service for your internal business purposes only.
7. Privacy
We handle personal information in accordance with our Privacy Policy, which complies with the Privacy Act 1988 (Cth). By using the Service, you consent to our collection and use of information as described in that policy.
8. Fees & Payment
Where applicable, subscription fees will be set out in your service agreement. All fees are payable in Australian dollars (AUD) and are exclusive of GST unless stated otherwise.
9. Limitation of Liability
To the maximum extent permitted by law, we exclude all liability for any loss or damage (including consequential loss) arising from your use of the Service. Our liability for any non-excludable guarantee under the Australian Consumer Law is limited to the resupply of the Service or the cost of resupply.
10. Termination
We may suspend or terminate your access to the Service if you breach these Terms.
11. Changes to Terms
We may update these Terms & Conditions from time to time. The latest version will always be published on our website. Continued use of the Service means you accept the updated Terms.
12. Governing Law
These Terms are governed by the laws of Victoria, Australia. Any disputes will be resolved in the courts of Victoria.