This privacy policy sets out how Moka Property Education uses and protects any information that you give Moka Property Education when you use this website.

Moka Property Education is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Moka Property Education may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 30/05/2016.

What we collect

We may collect the following information:

• name
• contact information including email address
• demographic information such as postcode, preferences and interests
• other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

• internal record keeping.
• we may use the information to improve our products and services.
• we may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
• from time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail.
• we may use the information to customise the website according to your interests.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to [email protected]erty.com.au or PO Box 1022, WODEN, ACT, 2606.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

Website/Investor Support Network terms of use

1. About this website

Website Owner = Property Investor Education trading as Moka Property Education (ABN 89 611 166 646)
Domain name = mokaproperty.com.au (the “website”)

2. About these terms of use

These website terms of use (“terms of use”) and the associated Privacy Statement (“privacy policy”) govern your access to and use of the website. You should read these terms of use and the privacy policy carefully before using this website.

3. Your access/use implies agreement

The website is available for your use only on condition that you agree to these terms of use. By accessing/using the website, you are signifying that you agree to be bound by these terms.

4. Modifications to the Terms

Property Investor Education may revise and update these terms of use at any time. Your continued usage of the website after any changes to these terms of use will mean you accept those changes.

These terms and conditions are deemed current and binding as of the 20^th February 2019.

5. Modifications to the information

Property Investor Education does not warrant the accuracy, adequacy or completeness of material on this website. All information may be changed, supplemented, deleted or updated without notice at the sole discretion of Property Investor Education.

6. Errors and problems

Property Investor Education does not guarantee that the website will be free from viruses, or that access to the website will be uninterrupted.

7. License and Ownership

The copyright for the content on this website is owned or licensed by Property Investor Education and is protected under the Copyright Act 1968 (Cth) and by other copyright laws in both Australia and other countries. No material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Property Investor Education.

All custom graphics, custom icons, and other items that appear on the website and all associated trademarks, excluding those sourced from licensed providers, are trademarks of Property Investor Education.

8. Property Investor Education Privacy Policy

Property Investor Education privacy policy governs the use of information collected from or provided by you at the website. A policy statement prepared by Property Investor Education for the purposes of being made available to customers and the general public declaring the company’s commitment to the Privacy Act 1988 (Cth) (hereinafter the “Privacy Act”) for a company required to comply is available at http://mokaproperty.com.au/privacy-policy.

9. Feedback, suggestions, comments or requests

Property Investor Education encourages you to make feedback, suggestions, comments or requests (“comments”). These comments may be made to [email protected]. If you do make comments, you acknowledge that: they will not be considered confidential or proprietary, and Property Investor Education is under no obligation to keep such information confidential, and Property Investor Education will have an unrestricted, irrevocable, world-wide, royalty free right to use, communicate, reproduce, publish, display, distribute and exploit such comments in any manner it chooses.

10. Outbound links

The website may contain links to third-party websites and resources (“linked sites”). These linked sites are provided solely as a convenience to you and not as an endorsement by Property Investor Education. Property Investor Education makes no representations or warranties regarding the availability, correctness, accuracy, performance or quality of the linked site or any content, software, service or application found at any linked site. Property Investor Education may receive payments and/or commissions from operators of linked sites in relation to goods or services supplied by the operator as a result of you linking to the third party website from the Property Investor Education website.

11. Inbound links

Property Investor Education generally encourages and agrees to your linking to the Homepage through a plain text link on your website or an article published on the Articles page without the need for agreement between yourself and Property Investor Education. However, linking to any other page of, or images contained within, the Website is strictly prohibited, without express written permission from Property Investor Education.

12. Investor Support Network (discussion forum)

Property Investor Education complies with ASIC Regulatory Guide 162 regarding Internet Discussion Sites. Property Investor Education is not a provider of financial advice. Property Investor Education does not in any way endorse the views and opinions of its members, nor does it vouch for the accuracy or authenticity of their posts. Posts within the “Investor Support Network” may contain links to other websites operated by third parties. These websites are not under the control of Property Investor Education and Property Investor Education management is not responsible for their content.

It is not permitted for any Property Investor Education member to post in the role of a licensed financial advisor or to post as the representative of a financial advisor. Property Investor Education members are solely responsible for the accuracy and authenticity of their posts, including any alterations made to posts. It is not permitted for Property Investor Education members to ask for or offer specific buy, sell or hold recommendations on particular investments, as a response to a request of this nature may be considered the provision of financial advice.

Views expressed on this forum are not representative of the forum owners. Information posted does not constitute financial or legal advice. The forum owners accept no liability for information posted, nor for consequences of actions taken on the basis of that information. By visiting or using the forum, members and guests agree to be bound by the Property Investor Education Terms and Conditions.

This site may contain copyright material (i.e. attributed snippets from online news reports), the use of which has not always been specifically authorised by the copyright owner. Such content is posted to advance understanding of environmental, political, human rights, economic, democratic, scientific, and social justice issues. This constitutes ‘fair use’ of such copyright material as provided for by the relevant copyright Law. In accordance with Australian copyright legislation, the material on this site is distributed for research and educational purposes only. If you wish to use this material for purposes that go beyond ‘fair use’, you must obtain permission from the copyright owner. Such material is to be credited to the true owner or licensee. We will remove from the forum any such material upon the request of the owners of the copyright of said material, as we claim no credit for such material.

Refusal to abide by these conditions may lead the deletion of posts and/or the removal of access to the Investor Support Network, and furthermore Property Investor Education management reserve the right to rescind ongoing Property Investor Education membership. Their decision is considered final.

13. Jurisdiction

The website is provided for use only by Australian residents. The law applicable to use of the Website and to disputes arising out of the use of the website is the law of state of Australian Capital Territory.

14. Disclaimer of Warranties

Property Investor Education makes no representations or warranties about the accuracy, completeness, security or timeliness of the content, information or services provided by the website and disclaims all warranties, either express or implied, statutory or otherwise, including but not limited to the implied warranties of merchantability, non-infringement of third parties’ rights, and fitness for a particular purpose.

15. Limitation of Liability

If Property Investor Education is found responsible for any damages, Property Investor Education is responsible for actual damages only. In no event shall Property Investor Education, be liable for any incidental, indirect, exemplary, punitive and/or consequential damages, lost profits, or damages resulting from lost data or business interruption resulting from the use of or inability to use the website.

Use of the website and the information contained herein is not intended to be a source of financial, tax, legal, or credit analysis with respect to the material presented, and the information and/or documents contained in this website do not constitute financial investment advice. The information contained herein
must be used for informational purposes only and Property Investor Education recommends visitors conduct independent research, verify any information presented and consult with a legal and tax advisor before entering into an investment situation.

16. General Conditions of Sale

The following Conditions of Sale shall apply to any product sold on this website. These Conditions of Sale constitute a complete and exclusive statement of the agreement and understanding between you and Property Investor Education with respect to the subject matter hereof.

1. The goods delivered under this Agreement shall be of normal industrial quality unless herein specifically stated to the contrary. Any description of such goods has been given by way of identification only and the giving or use of such description shall not constitute any sale hereunder a sale by description.
2. The products available on the website for sale under these Conditions of Sale are only available for sale to individuals who can make legally binding contracts. The products are not available to persons under the age of 18 years nor any other person legally prohibited from entering into a binding contract. By placing your order you are verifying to the Property Investor Education that you are able to make a legally binding contract.
3. Your order is an offer by you to purchase a particular product for the price (including the delivery and other charges and taxes) specified on the website at the time of offer and shall be understood to be placed under these Conditions of Sale.
4. These Conditions of Sale may change from time to time and you are required within reason to revisit these before placing your order to ensure that these Conditions of Sale have not changed.
5. Property Investor Education reserves the right to accept or reject your offer for any reason, including, without limitation, an error in the product description or the price posted on the website, the availability of the product, or an error in your order. Your contract with Property Investor Education only comes into existence when Property Investor Education forwards you an email containing confirmation of receipt of your order, an acceptance of your order, confirmation of receipt of your payment and details of likely delivery.
6. This contract shall be governed by and construed in accordance with the law in effect in the State of Australian Capital Territory and by entering into contract both parties are accepting the jurisdiction of the courts of the State of Australian Capital Territory in relation to any dispute between them.
7. You shall inspect the goods immediately upon their arrival and shall within thirty (30) days give notice to Property Investor Education if the goods are not in accordance with specified requirements. If you fail to give such notice, the goods shall be deemed to be in all respects in accordance with the specified requirements. No claim shall be recognised unless made in writing and received by Property Investor Education within seven (7) days after receipt of goods by you. The total amount of any claim shall not exceed the actual invoice value of the goods claimed to be faulty.
8. Property Investor Education shall not be responsible for non-delivery or delay in delivery of any goods caused by force majeure and you and Property Investor Education shall be excused from performance of their respective obligations when and to the extent such performance is delayed or prevented by force majeure. If your need for the goods is reduced or suspended as a result of force majeure, and notification is within reasonable time of acceptance of the Order and prior to transfer of ownership, you shall be entitled to terminate the agreement. For the purpose of this commitment force majeure shall include but is not limited to natural disasters, civil disasters, political event, change of legal / political environment, business disruption, accidents, earthquake, flood, hurricane or typhoon, tornado, tsunami, volcanic eruption, wildfire/bushfire, landslide or avalanche, fire, flood, storm, earthquake, terrorist acts, revolt, war, financial markets disturbances, changes of regime or tax or regulatory authority, energy failure, external telecommunications failure, and/or failure of transport systems.
9. You assume all risks and liabilities for consequences arising from the use of the goods whether singly or in combination with other goods and indemnify Property Investor Education in respect of any such use. Property Investor Education is not liable for any infringement of patent rights arising out of the use of such goods by you or your instructions, expressed or implied, and it is your responsibility of to ensure that the goods when used by you are not damaged and no liability will be accepted by Property Investor Education for the consequences of the use of damaged goods by you.
10. Nothing in these Conditions of Sale is intended to exclude, restrict or modify any statutory obligation of Property Investor Education implied by the Goods Act, 1958.

Property Investor Education
PO Box 1022
WODEN ACT 2606

Ph: 02 6243 4859