Returns & Terms of Service

These Terms and Conditions are an agreement between you (“you”) and Carbon Investment Group Australia, Pty Ltd (“Carbon Investment Group,” or “we”), by which we provide you access to our service, (the “Service”), an online data service that provides share recommendations and insights into the stock market. By subscribing to, and using the Service you are agreeing to be bound by all applicable terms and conditions including (if applicable) the rules governing your use of our discussion forums.

Financial Services Guide

Prior to subscribing, please review our Financial Services Guide (FSG). By subscribing to and using the Service, you specifically acknowledge that you have received, read and understood our FSG.

Warning – General Advice Only

The Service provides investing commentary and recommendations for buying and selling shares of publicly traded companies. As stated in our FSG, Carbon Investment Group provides only general financial advice. That is, the information contained in the Service has been prepared without taking your personal circumstances into account. You should therefore consider the appropriateness of the advice we provide in light of your own objectives, financial situation or needs before acting on any of our recommendations. Before buying any of our recommendations, you should also consider your personal circumstances and review our policies, prospectus or other disclosure document provided by the issuer.

You may email your comments and questions about our coverage and our advisors will endeavour to respond to them directly to you via email. Whether our response is via email or another public forum, we will not (and cannot) address your specific investment situation and our comments will not constitute advice that a specific security, strategy or action is suitable for you. If you feel you need personalised advice, please consult your accountant or other finance professional.

You therefore agree that all commentary, statements of opinion and recommendations found in the Service and any related material as well as any communication from Carbon Investment Group to you (including in any emails or discussion forums) is general advice only and we have not taken into account your personal objectives, financial situation or circumstances when preparing or providing

such information. You further agree that you bear all the responsibility for your own investment research and investment decisions.

All Services are Provided by Carbon Investment Group

The Service and all related content are provided exclusively by Carbon Investment Group. While we may look at our parent or affiliates’ publications for international stock ideas, all share recommendations have specifically been adopted by one of the Services’ respective advisors and provided to you by Carbon Investment Group.

You acknowledge that the general financial advice is provided to you solely by Carbon Investment Group in its capacity.

Portfolio Performance

The Services’ returns are hypothetical and based on the percentage change between the stock price at the time of recommendation and the current or sell price (if the position has been closed) at the time of publication. Brokerage, taxes and any other associated costs are not taken into account. Subscribers will be receiving an email notification from the 2nd day of each month to download their new data sets.

Please remember that investments can go up and down. Past performance is not necessarily indicative of future returns. Performance figures are not intended to be a forecast and we do not guarantee the performance of, or returns on any investment.

Trial Periods and Cancellation

On occasion, the Service may provide a trial offer. Only one such trial may be taken per email address at any given point in time. You will be charged up front for your membership, via the payment method you provide.

Access to the Service

If you are a first-time subscriber, you will need to provide Carbon Investment Group with your name, email address, and billing and shipping addresses. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. If any information you provide is inaccurate or not up-to-date, Carbon Investment Group reserves the right to cancel your subscription.

You will also be asked to create a password. You will need this password in order to access the Service. The Service should only be accessed by paid Carbon Investment Group members. Accordingly, you agree not to forward any Service-related content to any third party without Carbon Investment Group’s written permission.

Disclaimer

The Service bases its recommendations and forecasts on techniques, information and sources believed to be reliable in the past and at the time of publication. However, Carbon Investment Group does not warrant the completeness or accuracy of the information presented. We make no promises that the Service will be delivered to you on an uninterrupted, timely, secure or error-free basis. To the maximum extent permitted by law, Carbon Investment Group, its affiliates and their respective directors, officers and employees disclaim any liability for any loss or damage arising from your use of, or reliance on the information provided. If the law prohibits this exclusion, Carbon Investment Group hereby limits its liability, to the extent permitted by law.

Modification or Discontinuation

Carbon Investment Group reserves the right to modify, suspend or discontinue all, or part of the Service. In the event we discontinue the Service, you agree that we may transfer your subscription to another Carbon Investment Group service of equal or greater value. Of course, you may cancel your membership to the new service at any time and receive a pro-rated refund for the remainder of your subscription term. Without limiting any of the foregoing, you agree that if this Service is discontinued, Carbon Investment Group’s only obligation to you is to provide you with a pro-rated refund, at your request.

Intellectual Property

Our Content is protected by Australian and international copyright, trademark and other intellectual property laws and is the property of Carbon Investment Group and/or providers of the Content under licence. “Content” means any information, mode of expression, or other material found published by Carbon Investment Group including without limitation our recommendations, writings, graphics and all other features.

All Content is intended for individual, non-commercial use only. You may download or print one copy of any material. Any other copying, distribution, storing, transmission or re-dissemination of any kind, is prohibited without Carbon Investment Group’s prior written permission. Aside from opening yourself up to liability, distributing our Content to other sites and individuals is unfair to our members who pay good money to receive our Content. So please don’t do it.

Privacy

By subscribing and using the Service, you consent to our transferring and handling the data under the terms of our Privacy Policy, which is incorporated by reference.

If you are using third party payment methods to pay for your subscription, the providers are processing payment and we do not have access to your credit card information. Accordingly, you agree that Carbon Investment Group has no responsibility or liability for the suppliers privacy practices.

Changes to these Terms and Conditions

We may change these terms at any time, but we will post a notice on the Service’s website of any material changes. Your continued use and access of the Service means that you accept any new or modified terms.

General Information

If any part of this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect.

These Terms and Conditions are governed by and interpreted in accordance with the laws of the State of Qeensland, Australia.

Discussion Forums

The following terms and conditions apply if you wish to view or post a comment or question on the subscriber-only discussion forums (the “Forums” or “Discussion Forums”). Your use of the discussion forums is contingent on you accepting and/or abiding by these additional terms:

The employees who may interact on the Forums may be found by clicking the link below the posts. All other contributors are subscribers to the Service (referred to as the “External Contributors”). Our personnel may own shares or have an interest in the companies discussed. If you want to see a Carbon Investment Group employee’s current holdings, please click on their screen names and you will be taken to their personal profile;

Carbon Investment Group does not endorse or vouch for the accuracy or authenticity of postings made by External Contributors including without limitation the information in any hyperlinks to third party websites;

Except for Carbon Investment Group and its personnel, no one is permitted to make postings as a licenced investment adviser, or a as a representative of a licenced adviser;

As insightful as the comments and discussions may be, the postings are at best general information. The information on the Forums are not professional investment advice — they do not take into account your particular needs, objectives or circumstances. If you need or want individualised advice, please consult a licensed adviser or visit ASIC’s consumer website at gov.au for more information;

We believe that the vast majority of our External Contributors are well intentioned with interesting opinions to share. However, Carbon Investment Group cannot and will not take responsibility for

the accuracy, completeness, or even the truth of every bit of data, information, and opinion posted on the Forums. The External Contributors are individually responsible for the accuracy and authenticity of their postings. Accordingly, Carbon Investment Group will not be liable to you for any loss or damage arising from: (i) your use of, or reliance on any information on the Discussion Forums; or (ii) an External Contributor’s conduct;

The Discussion Forums are intended for use by individuals residing in Australia. However, as you know, given the nature of the internet, an External Contributor may be located outside of Australia, making it difficult, if not impossible to take action against them;

Securities cannot be offered to you for sale or issue through the Discussion Forums or anywhere else on our website; and

If you have any reason to suspect that any posting is inaccurate, is based on inside information or likely to be misleading or deceptive, please alert us at info@carboninvestmentgroup.com.au.

Before posting on the Discussion Forums, you acknowledge and agree to the following:

You are personally responsible for the accuracy and completeness of your postings. You will therefore, not include any misleading or deceptive information in your comments or use the Forums to carry out any illegal or unauthorised activities. Information in the postings may be made available to ASIC. ASIC and people acting on any misleading or unlawful postings may take action against you;

You are not the holder of an Australian Financial Service Licence or a representative of a licence holder;

You will not post any material based on inside information or that otherwise would violate any applicable laws or regulations of ASIC or any securities exchanges;

You will not offer, sell or buy any security through the Forums;

If you own or have some other interest in a security, or you have any connection with a securities issuer that you might benefit from, you will disclose that fact;

You will be careful when including hyper-links to third party websites. If you do include such hyper-links, it may be advisable for you to warn people that you do not endorse or take responsibility for material on those sites; and

You further agree not to:

Post any content that is disruptive, uncivil, abusive, vulgar, profane, obscene, hateful, fraudulent, threatening, harassing, defamatory, or which discloses private or personal matters concerning any person;

Post or transmit any material that you don’t have the right to transmit under law (such as copyrights or trade secrets) or under contractual or fiduciary relationships (such as nondisclosure agreements);

Impersonate any person, or falsely state or otherwise misrepresent your affiliation with a person or entity;

Post, transmit, or link to sexually explicit material; and

Post or transmit any file that contains viruses, corrupted files, “Trojan Horses,” or any other contaminating or destructive features that may damage someone’s computer.

Carbon Investment Group may at any time, without prior notice and at our sole discretion, remove any post, or take any action for violating the above provisions or otherwise taking an action disruptive to the Forums. This includes without limitation terminating your subscription to the Service. In the event of termination of your Service, you will receive a pro-rated refund.

Last Updated: November 2022