prigia.com is owned and operated by Peterson Research Institute Pty Ltd, ACN 077 178 208.
Your access to and use of all information on this website and related emails or other publications
are provided subject to these Terms and Conditions.
In these Terms and Conditions, "we", "us" and "our" refers to Peterson Research Institute
Pty Ltd, ACN 077 178 208 ('PRI'). PRI includes the url prigia.com.
PRI provides the factual analysis of investment structures, including, but not limited to, investment
vehicles and financial products issued or managed by entities regulated by the Australian Securities &
Investments Commission (ASIC) and the Australian Prudential Regulation Authority (APRA).
PRI does not make or provide recommendations about financial products. PRI does not hold an Australian
Financial Services (AFS) licence. Pursuant to Regulatory Guide 36, issued by ASIC, 'Licensing: Financial
product advice and dealing', Section RG 36.21, 'The distinction between factual information and financial
product advice', ASIC advises that if a communication does not involve a recommendation or a statement
of opinion, or a report of either of those things, it is not financial product advice. Communications
that consist only of factual information (i.e. objectively ascertainable information whose truth or
accuracy cannot be reasonably questioned) will generally not involve the expression of opinion or
recommendation and will not, therefore, constitute financial product advice.
Further, pursuant to Regulatory Guide 36, issued by ASIC, 'Licensing: Financial product advice and dealing',
Section RG36.43, 'Exemptions under 911A(2)', in (e) it advises that an AFS licence is not required where
"you provide general advice in transmissions made by means of an information service where the transmissions
are generally available to the public".
We reserve the right to amend these Terms and Conditions at any time and your continued use of the
website or acceptance of emails following any amendments will represent your agreement to be bound
by these Terms and Conditions as amended. We therefore recommend that each time you access our website
you read these Terms and Conditions. If you object to any changes to the Terms and Conditions, your
only remedy is to discontinue your use of the website.
General Advice Warning and Disclaimer
All information provided on this website is of a general nature only and does not
constitute personal financial advice. Neither PRI nor any person associated with it is
licensed to give financial advice, and it is not our intention to do so. PRI and its
directors and officers make no recommendation about any investment or financial product
information discussed on this website.
The information on this website does not take into account the objectives, financial
situation or needs of any investor, or purport to be comprehensive and should not be
relied upon as such.
You should not invest on the basis of the information on this website, but you should
consider the appropriateness of the information, having regard to your own risk profile,
objectives, financial situation and needs. You should do your own research and obtain
any relevant product disclosure statement or other disclosure document relating to a
particular financial product before making any investment decision.
You should also consult a financial adviser and any other appropriate professional
advisers on any legal, stamp duty, taxation and accounting implications to help you
decide whether an investment is appropriate for your individual needs and objectives.
Where a security or product is mentioned, neither PRI nor its directors and associates
are endorsing it or are responsible for its future performance. We are not liable for
loss or damage caused by a reliance on any information on this website. Nothing in our
material is provided for a particular person, organisation or purpose.
The information is intended for residents of Australia only.
The distribution of the information contained on this website in certain jurisdictions
may be restricted by law and persons who access it are required to inform themselves of,
and to comply with, any such restrictions.
This website, and the information contained on it, should be accessed only by persons in
any jurisdiction or country where such access to, and use of, the information contained
on this website is not contrary to local law or regulation. PRI and its associates
disclaim all responsibility if you access or download any information from this website
in breach of any law or regulation of the jurisdiction or country of which you are a
citizen or in which you are residing or domiciled.
In order to provide information to our website, or access certain analysis or studies,
you must register by providing certain information about yourself or your organisation
relating to our collection, storage and use of the personal details you provide on registration.
We reserve the right to terminate your registration at any time if you breach
these Terms and Conditions.
Your continued use of this website and receipt of our emails will constitute your
acceptance of any changes.
When you visit our website, we give you a limited licence to access and use
our information, subject to and in exchange for your agreement to these
Terms and Conditions.
The licence to access and use the information on our website does not
include the right to use any data mining robots or other extraction tools.
The licence also does not permit you to metatag or mirror our website without
our prior written permission. We reserve the right to serve you with notice
if we become aware of your metatag or mirroring of our website.
This website may from time to time contain hyperlinks to other websites.
Such links are provided for convenience only and we take no responsibility for
the content and maintenance of or privacy compliance by any linked website.
Any hyperlink on our website to another website does not imply our endorsement,
support, or sponsorship of the operator of that website nor of the information
and or products which they provide.
You may link to our website without our consent. Any such linking will be
entirely your responsibility and at your expense. By linking, you must not
alter any of our website's contents including any intellectual property
notices and you must not frame or reformat any of our pages, files, images,
text or other materials.
Intellectual Property Rights
The copyright to all the content on this website including applets, graphics,
images, layouts and text belongs to us and we have a right to use those
materials and authorise third parties to republish. Your use of any material
will be subject to Copyright Act 1968 (Commonwealth), unless otherwise authorised
by our prior written permission.
You may not claim, as an individual or a representative of a company, that you
are the author of any content on this website.
We encourage financial education and the flow of information and you can republish
or reproduce our content online or in print within reason and not for commercial
purposes unless authorised by us. However, you must credit PRI and www.prigia.com
and link to us, and you cannot sell the content separately. Unless you have express
permission from PRI you cannot edit our material and you cannot delete or change any
content, copyright symbol, trade mark or other proprietary notice. If you wish to
materially edit our content, please contact us. When you credit PRI, ideally at the
top of the content and including our logo, you must link back to our home page.
Third party articles contributed to PRI are copyright of their respective authors and
may not be edited by any person for any purpose without the author's prior written consent.
All trade marks, brands and logos, whether registered or not, including the PRI name
and logo, which are used on this website, are either owned by us or we have a right
to use them. Your access to our website does not license you to use those marks in
any commercial way without our prior written permission.
Any comment, feedback, idea, request or suggestion (called 'Contacts') which you
provide to us through this website become our property. We may use your Contacts
in promoting our website or in any other way. You agree that we are entitled
to use your Contacts for any commercial or non-commercial purpose without compensation
to you or to any other person who has transmitted your Contacts.
If you provide us with Contacts, you acknowledge that you are responsible for the
content of such material including its legality, originality and copyright.
If you are a copyright owner or an agent thereof and believe that any content
on this site infringes your copyright, or if you believe we have made inaccurate
statements, please contact us and we will address the issue.
Linking and Republishing
Any linking to our website or republishing of our content must include an
acknowledgement of PRI, with a direct link to our home page.
You confirm that you are licenced or otherwise authorised to republish images
on our website, which may be subject to their own copyright or republishing guidelines.
You can republish specific content without our permission, subject to the
acknowledgements outlined above, but you cannot systematically republish the
majority or entire contents of our website without our permission.
Any republishing of our website must be unedited unless permission is otherwise
obtained from us or the author.
PRI does not make any claims, promises, guarantees, representations or warranties
regarding the accuracy, completeness or fitness for purpose of the content made
available on this web site. All information on this web site is provided to you
on an as is basis, without warranty of any kind either express or implied.
Furthermore, PRI does not warrant or represent that this web site is error free or
free from viruses or defects. A user must do all that is necessary (including
using virus checking software) to satisfy itself that accessing this website
will not adversely affect its system.
Whilst we take all due care in providing our services, we do not provide any
warranty, either express or implied, including without limitation warranties of
merchantability or fitness for a particular purpose.
To the extent permitted by law, any condition or warranty which would otherwise
be implied into these Terms and Conditions is excluded.
We take all due care in ensuring that our website is free of any virus, worm or
Trojan horse malware, however we are not responsible for any damage to your computer
system which arises in connection with your use of our website, any linked website or
emails from us.
We take all due care in maintaining the integrity of any information provided by you,
including about your organisation and any associated investment structures, however
we are not responsible for any damage arising as a result of the unauthorised
alteration of that information by any party.
In providing any specific information to PRI or the website, such as investment
allocations or expected risk and return information, you deem that information to
be public information with no commercial value. This does not give PRI the right
to distribute or in any way republish this specific information, but recognises
that such information is largely already available to entities outside your
organisation such as regulators, clients, consultants / researchers, investors or the press.
Limitation of Liability
Use of the website and related emails is at your risk. None of PRI's affiliates
or directors, officers, contributors or third party content providers makes
any express or implied representation or warranty about, or shall be liable,
in contract, tort (including negligence) or otherwise, for any direct, indirect,
special or consequential loss, damages or reliance in connection with the
website or related emails, its use, its content or any products or services
referred to therein.
To the full extent permitted by law, our liability for breach of an implied
warranty or condition is limited to the supply of the services again.
We do not accept liability for anything contained in the Contacts of a user or
in any form of communication which originates with a user.
We do not participate in any way in any transactions between our users.
By accessing our website, you agree to indemnify and hold us harmless from all
claims, actions, damages, costs and expenses including legal fees arising
from or in connection with your use of our website.
We undertake to take reasonable care to secure any personal information which
you provide to us when accessing our website. However, we do not warrant and
cannot ensure the complete security of any information provided over the internet.
You transmit to us is entirely at your own risk.
Our compliance with privacy is set out in our separate
These Terms and Conditions are to be governed by and construed in accordance
with the laws of New South Wales, Australia and any claim made by either party
against the other which in any way arises out of these Terms and Conditions
will be heard in New South Wales and you agree to submit to the jurisdiction
of those Courts.
If any provision in these Terms and Conditions is invalid under any law,
the provision will be limited, narrowed, construed or altered as necessary
to render it valid but only to the extent necessary to achieve such validity.
If necessary the invalid provision will be deleted from these Terms and
Conditions and the remaining provisions will remain in full force and effect.
© PRI 2015