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General

This site and all associated pages is operated by Morningstar Australasia Pty Limited ABN 95 090 665 544; Australian Financial Services Licence no. 240892, a wholly owned subsidiary of Morningstar Inc.

These Terms and Conditions are addressed to you, whether you are reading these pages on your own behalf, or on behalf of another person (such as an employer).

It is your responsibility to draw the contents of these Terms and Conditions to the attention of anyone who may gain access to Morningstar.com.au on your (or your employer's) behalf by using your email address and Password, (or through your employers corporate account).

The pages of Morningstar.com.au contain general information in relation to various products that are available on a subscription basis via this site. The material is for information only unless otherwise stated.

You acknowledge and agree that Morningstar may at any time:

- alter the contents of all or any part of Morningstar.com.au.

- remove part or all of the pages on Morningstar.com.au with the intention of ceasing publication of some or all of the pages, either temporarily or permanently.

User Identification and password

Access to Morningstar.com.au is granted by use of a valid Password.

You agree to:

- treat it as confidential;

- not disclose it to any third person;

- comply with these Terms and Conditions of use;

- not interfere with or disrupt other users of Morningstar.com.au or subscribers to the various products available via Morningstar.com.au, nor any of Morningstar 's services or equipment (including by way of viruses) and must not manipulate any of the information or data.

Morningstar reserves the right to amend the Password and other security procedures for access to Morningstar.com.au at any time.

In the absence of notice from you that the confidentiality of your User Identification and Password has been compromised, Morningstar will be entitled to construe all activity on Morningstar.com.au using that Password as being for and on behalf of you and you agree to pay all Fees so incurred and to take responsibility for all actions of persons using your Password.

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As a member of Morningstar.com.au, you will be able to access a single free trial of any of a number of the subscription (paid for) services and products Morningstar.com.au makes available.

It is an express condition of your membership that you will only access one free trial of any specific product or service. Any attempt by you as an individual or on anyone's behalf to access more than one free trial of any specific product or service will be a break of these terms and access to any part of Morningstar.com.au may be denied without notice.

Any materials downloaded through a free trial in breach of these conditions remain the property of Morningstar.com.au , and you agree to provide all and any necessary information to allow Morningstar.com.au to recover its property.

Copyright and Disclaimer

Morningstar.com.au is an interactive online service containing information supplied by Morningstar and third parties. Your use of this service confirms your agreement to the Terms and Conditions. Information is protected by copyright and is made available under licence. Any unauthorised reproduction of this information is prohibited.

The information provided on Morningstar.com.au is intended for general use only. The information presented does not take into account the investment objectives, financial situation and advisory needs of any particular person nor does the information provided constitute investment advice. Under no circumstances should investments be based solely on the information herein. Please refer to our Financial Services Guide.

The views and information presented are sourced from publicly available information and are believed to be reliable. Morningstar is committed to bringing our subscribers accurate and timely company information. However, Morningstar does not assume responsibility or accept liability whatsoever, whether arising from negligence, accident or otherwise, for any error contained in the information or for recommendations listed in any of the publications.

If you have any queries please email Morningstar.com.au at help.au@morningstar.com

2008 Morningstar Australasia Pty Limited.  All rights reserved.
ACN 090 664 544.
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Privacy Notice

Morningstar collects and stores customer's personal information so as to provide a range of investment, educational and other publication titles.

Such personal information may include your name, your contact details (such as delivery address, e-mail address and telephone number), your gender and your banking details (in cases where credit card information is supplied to facilitate a purchase).

The main purpose for which personal information is collected is to (a) provide you with products and services you have ordered, (b) provide you with information about other Morningstar products and services, and (c) provide you with a selection of carefully screened products and services made available through third party companies.

The disclosure of personal information is restricted to (a) other companies in the Morningstar group who may only use it as set out above, and (b) external organisations engaged by Morningstar to perform functions on its behalf such as mailing operations and marketing promotions.

Customers can access, correct and update their personal information by contacting Morningstar's Customer Service on 1800 03 44 55, by e-mail to help.au@morningstar.com or in writing to:

The Privacy Officer,
Morningstar,
Level 36, 264 George Street,
Sydney, NSW 2000.

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