1800 PIPTLE (1800 747 853) [email protected]

Terms of Use

Thank you for your interest in the Piptle Wealth Management Pty Ltd and our associated businesses initiatives.  Our focus at Piptle Wealth Management Pty Ltd is to deliver education for people to assist them in upskilling themselves with a view to identifying and creating ways to establish additional income streams.  This may include learning about trading of digital assets, learning about peer to peer lending, contributing capital to yield programs and much more.

For simplicity Piptle Wealth Management is referred to as “PWM” in this document and any references to websites include www.piptle.com, www.piptle.store, and www.piptle.academy (the “Website”) which are all owned and operated by PWM.  

Visitors to the website and users of the Services are referred to herein individually as “User” and collectively as “Users”.

You acknowledge that PWM is not a registered broker, financial advisor, investment advisor or crowdfunding portal and does not engage in any conduct that would require such registration. The Services are offered to you subject to your acceptance without modification of all the terms and conditions contained herein and all other operating rules, policies, any future modifications that may be published from time to time without notice to you or liability for such change on the website or otherwise provided to you, and any additional terms and conditions to which you have agreed in connection with specific features, applications, products, or services provided by the website or the Services (collectively, the “Terms”).

In order to access certain features of the Services, you will have to create an account and become a registered user of the Services. In connection with registration for the Services, you may be asked to enter a separate agreement with PWM, the terms of which are hereby incorporated into these Terms by reference. If you are entering into these Terms on behalf of an entity or any third-party, such as your employer or a company you work for or control, you represent that you have the legal authority to bind that entity to these Terms.

BY ACCESSING, BROWSING, AND/OR OTHERWISE USING THE WEBSITE OR THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE TERMS OF SERVICE AND ALL OTHER POLICIES AND PROCEDURES POSTED ON THE WEBSITE. IF YOU DO NOT AGREE TO BE BOUND BY SUCH AGREEMENTS, THEN YOU MUST IMMEDIATELY CEASE ACCESS, BROWSING OR OTHERWISE USE THE WEBSITE OR THE SERVICES.

Changes to the Terms

Your use of the website and the Services is governed by the then-current version of the Terms of Use in effect on the date of such use. PWM may, at its sole discretion, modify the Terms of Use Conditions and/or other policies and procedures governing the Service at any time without notice or liability by posting the modified Terms, policies or procedures to the website and revising the “Updated” date. Your continued use of the Services after modified Terms have been posted or otherwise provided to you constitutes your agreement to be bound by the then-current Terms.

Privacy

PWM takes the privacy of its Users very seriously. Please read PWM’s Privacy Policy, which is hereby incorporated into these Terms by reference, for information relating to our collection, use and disclosure of your personal information.

Authorized User

BY USING THE SERVICES, YOU REPRESENT THAT YOU ARE ABLE TO LEGALLY CONTRACT IN THE JURISDICTION IN WHICH YOU ARE LOCATED.

You may access the website generally and/or browse generally without registering with the Website. In order to access certain features of the Website, including accessing other related sites, you must register to create an account (“Account”) and meet certain criteria. You must complete the registration process by providing us with current, complete and accurate information. You will also choose a password and a user name. PWM reserves the right in its sole discretion to refuse registration of or cancel a User Name. You are solely responsible for maintaining the confidentiality of your PWMs word and account.

Any decision to participate in any of the programs or opportunities offered via our related websites and platforms shall be based solely on your own consideration and analysis of the risks involving a particular offering and is made at your own risk. You acknowledge and agree that you are solely responsible for determining the suitability of contributing capital towards any strategy and accept the risks associated with such decisions, which include the risk of losing the entire amount of your principal.

You agree and acknowledge that you are solely responsible for conducting legal, accounting and other due diligence review on any of the companies posted on the Website.

You are advised to consult a licensed legal professional and investment advisor for any legal, tax, insurance, or investment advice as the website does not provide any of the foregoing advice or recommendations or provide any due diligence.

Prohibited Conduct

You agree that you are responsible for your own conduct while using the Services and for any consequences thereof. You agree to use the Services only for purposes that are legal, proper and in accordance with these Terms and any applicable law, regulations and rules, any securities exchange or self-regulatory organization’s rules or regulations, and any applicable foreign laws.

Eligible Participant come Investor

Before you can actively contribute capital and participate in any offerings on the Website, you must register with the Platform and qualify as an Eligible Investor as per our registration process. This process is based on Australian requirements, except where otherwise indicated. 

However, it is your responsibility to satisfy yourself that any capital being contributed through PWM complies with and is permitted under the laws of your jurisdiction. This includes complying with any governmental or regulatory requirements or other applicable formalities.

Copyright Notice

The content of this website and any accompanying documentation relating to the PWM group of companies (collectively referred to as “PWM”) are owned by Piptle Wealth Management Pty Limited and protected by copyright and other intellectual property laws. All rights not expressly granted are reserved.

User Content

You and other users may submit, post, transmit and share comments or materials on or through the website (“User Content“). You are solely responsible for User Content that you post, transmit, or share on or through the Website, as well as for any actions taken by PWM or other Users as a result of your User Content. You agree and understand that you may be exposed to User Content posted by others that is inaccurate, inappropriate, misleading, unlawful, offensive, or otherwise objectionable, and that PWM makes no representations or warranties regarding User Content and is not responsible for the accuracy, usefulness, or intellectual property rights of or relating to User Content. You hereby waive any legal or equitable rights or remedies you have or may have against PWM with respect to User Content posted by you or others. PWM has no obligation to monitor, review, control, or guarantee the accuracy or confidentiality of User Content. However, PWM always reserves the right (but will not have an obligation) to remove or edit any User Content in its sole discretion, with or without notice.

You agree to not given any financial advice or undertaking making any unrepresented claims of future income and  values of projects on our platform. 

Linked Sites

The website may contain links to third party websites (“Linked Sites”). These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by PWM of any information, materials, products, or services contained in or accessible through any Linked Site. In no event shall PWM be responsible for the information contained on any Linked Site other than those it manages or your use of or inability to use any Linked Site. When you access Linked Sites, you do so at your own risk, and subject to the Linked Site’s terms and policies.

Termination

PWM may terminate your right to use the Services at any time and for any reason without notice. Upon termination or expiration of these Terms, PWM may remove and discard any PWM Materials or User Content, and such materials and content may no longer be accessible by you. PWM will have no obligation to maintain any such information in its databases or to forward any such information to you or any third party. You agree that PWM will not be liable to you or any third party for any such termination except as described in these Terms. Upon termination or expiration of these Terms, any provision, which, by its nature or express terms should survive, will survive such termination or expiration.

No Professional Advice Provided

Any opportunities to contribute capital towards staking programs for crypto currencies for earning interest, for lending programs, for participating in the purchasing and trading of cryptocurrencies, or purchasing into fractional ownership as may be outlined in any of our education and our websites are only suitable for investors who are familiar with and willing to accept the high risks associated with such private investments, including the risk of completely losing any contributed capital.  Anything sold through private placements are not publicly traded and, therefore, are illiquid. 

Users must be able to afford to lose their entire investment. Investment products are not insured, may lose value, and there is no bank guarantee. 

None of the information contained on the website or provided through the Services constitutes a recommendation, solicitation or offer by PWM, its affiliates or third parties to buy or sell any securities, futures, options or other financial instruments, crypto currencies, digital assets or other property assets or provide any investment advice or service. All information contained in the Services has been prepared without reference to any User’s investment requirements or financial situation. 

Providing of Services

 The providing of educational services as offered by PWM is open to any persons, entities, or individuals globally. 

Any other services including potentially access to our PipEzi platform, tokenisation of assets platform Piptle Stake are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority, regulatory or self-regulatory organization or clearing organization, or where PWM is not authorized to provide such information or services.

Some Services may not be available in all jurisdictions or to all clients. 

The Services and all content, services and features available through the Services are intended for informational purposes only. They are not intended to substitute for professional investment, financial or legal advice. YOU ACKNOWLEDGE THAT YOU ARE NOT RELYING ON PWM OR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, PARTNERS, AGENTS, OR EMPLOYEES IN MAKING AN INVESTMENT DECISION. ALWAYS CONSIDER SEEKING THE ADVICE OF A QUALIFIED PROFESSIONAL BEFORE MAKING DECISIONS REGARDING YOUR BUSINESS AND/OR INVESTMENTS. PWM DOES NOT ENDORSE ANY INVESTMENTS AND SHALL NOT BE RESPONSIBLE IN ANY WAY FOR ANY TRANSACTIONS YOU ENTER INTO WITH OTHER USERS. YOU AGREE THAT WEALTH MIGRATE AND ITS AFFILIATES, OFFICERS, DIRECTORS, PARTNERS, AGENTS, OR EMPLOYEES WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY SORT INCURRED AS THE RESULT OF ANY INTERACTIONS BETWEEN YOU AND OTHER USERS. 

Featuring of or posting on the website of any OFFERING does not constitute endorsement by PWM or representation of the quality of any potential investment in such offering. PWM does not endorse any Lister or any underlying assets. No governmental agency has reviewed the offerings posted on this Website. We strongly advise you to consult a legal, tax and financial professional before investing, and carefully review all the specific risk disclosures provided as part of any offering materials AND ASK THE LISTER or SPONSOR ANY QUESTIONS YOU MAY HAVE OR REQUEST ADDITIONAL INFORMATION. PWM does not recommend or otherwise suggest that any investor make an investment in a particular offering, or that any Issuer offer securities to a particular Investor. PWM takes no part in the negotiation or execution of transactions for the purchase or sale of securities, and at no time has possession of or access to funds or investments. PWM cannot guarantee that Listers posting offerings on the website will use the proceeds of any offering in accordance with the stated purpose.

No Warranties

THE SERVICES, THE WEBSITE, THE PWM MATERIALS, USER CONTENT, AND ANY OTHER INFORMATION AND MATERIALS MADE AVAILABLE IN CONJUNCTION WITH OR THROUGH THE WEBSITE OR THE SERVICES ARE PROVIDED “AS IS”, “AS AVAILABLE” AND “WHEN AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, PWM DISCLAIMS ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COMPLIANCE WITH LAWS, CORRECTNESS, ACCURACY, AND RELIABILITY. WITHOUT LIMITING THE FOREGOING, PWM MAKES NO REPRESENTATION OR WARRANTY (A) WITH RESPECT TO THE MERITS AND RISKS OF ANY TRANSACTIONS MADE BY OR THROUGH THE WEBSITE OR THE SERVICES, OR (B) THAT USE OF THE SERVICES AND WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 

To the maximum extent permissible under law, PWM assumes no liability or responsibility for any errors or omissions in the content of the Website. PWM does not endorse or represent the reliability or accuracy of any content or information distributed through or accessed from the Website and has not performed any investigation into such information. PWM shall not be liable for any investment decisions made based upon such information. You agree that any reliance upon any content or information distributed through or accessed from the website is at your sole risk. PWM is entitled to rely upon the information provided by its Users. Each issuer, and not the Website, is responsible for ensuring that any securities offering is done in accordance with the relevant legal jurisdiction. We make no representation or warranties regarding the legality or compliance of any offering. PWM has not reviewed all of the links provided on the website and is not responsible for the content of any off-website pages. Clicking on hyperlinks and visiting any off-website pages is solely done at your own risk. All representations and warranties made by a Portfolio Company to an issuer pursuant to the securities offering are hereby incorporated by reference.

Indemnification

To the fullest extent permissible by law, you agree to defend, indemnify, and hold PWM and its directors, officers, employees, and agents harmless from any claim, demand, loss, damage, liability, or expense, including attorney fees and costs, however incurred, including those incurred at trial, in any bankruptcy proceeding, on appeal, and on any petition for review (collective, “Damages”) to the extent that Damages result directly or indirectly from your use of the Services or the Website. PWM reserves the right to assume, at its sole expense, the exclusive defence and control of any such claim or action and all negotiations for settlement or compromise, and you agree to fully cooperate with PWM in the defence of any such claim, action, settlement or compromise negotiations, as requested by PWM.

Limitation of Liability and Damages

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL PWM OR ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES OR THE WEBSITE, EVEN IF PWM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ACKNOWLEDGE AND AGREE THAT PWM HAS OFFERED ITS SERVICES AND ENTERED INTO THE TERMS IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN, THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND PWM, AND THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND PWM. PWM WOULD NOT BE ABLE TO PROVIDE THE SERVICES TO YOU ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE LIMITATIONS. Please note that some jurisdictions may not allow the exclusion of implied warranties or limitation of incidental or consequential damages, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. PWM assumes no responsibility for, and shall not be liable for, any damages to or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from the Website. We do not, and cannot, guarantee that any Investor is actually an Accredited Investor (as defined above).

Arbitration

In the event of any claim, controversy or alleged dispute between you and PWM, its members or affiliates, you hereby agree to attempt in good faith to amicably resolve any Dispute at least thirty (30) days before instituting any legal proceeding. Each party agrees to submit any Dispute for resolution by final binding arbitration after serving written notice, which notice shall set forth in detail the controversy, question, claim or alleged breach along with your attempt to resolve such Dispute. Upon such notice and attempt to resolve, the party may then commence arbitration, which, unless the parties agree otherwise in writing, will be administered by and in accordance with the rules of Australia.

Choice of Law

The Terms and your use of the Services shall be governed by and construed and enforced in accordance with the laws of Australia.

Third-Party Sites

The website may contain links to third party websites (“Third-Party Sites”). These links are provided only as a convenience to you. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by PWM of any information, materials, products, or services contained in or accessible through any Third-Party Site. In no event shall PWM be responsible for the information contained on any

Australian Jurisdiction

If you are located outside of Australia, you use or access the website solely at your own risk and initiative. The Service is controlled and operated from facilities within Australia. Accessing the Service is prohibited from territories where the Content is prohibited. Investment offerings are only directed at, or intended for purchase or investment by investors in jurisdictions that permit general solicitation of unregistered securities. You acknowledge and agree that it is solely your responsibility to be aware of the applicable laws and regulations of your country of residence. Subscriptions to invest in any offering referred to on this website must only be made on the basis of the offering document relating to the specific investment and through a registered entity. The content, material and information contained on the website does not constitute an offer or solicitation and may not be treated as an offer or solicitation (i) in any jurisdiction where such an offer or solicitation is against the law; (ii) to anyone to whom it is unlawful to make such an offer or solicitation: (iii) if the person making the offer or solicitation is not qualified to do so. The securities offered on this website can only be marketed in certain jurisdictions only. You acknowledge and agree that it is solely your responsibility to be aware of the applicable laws and regulations of your country of residence. The content provided on this website does not constitute an offer or solicitation to sell securities referred to on this Website, by anyone in any jurisdiction in which such offer, solicitation or distribution would be unlawful or in which the person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such offer or solicitation. Applications to invest in any offering referred to on this website must only be made based on the offering document relating to the specific investment and through a registered entity. This website is not directed at you if we are prohibited by any law of any jurisdiction from making the information on this site available to you. You should satisfy yourself before accessing the website that we would be allowed to advertise investment products to you under the law of the jurisdiction in which you reside. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction, including the one in which you reside.

Entire Agreement

The Terms (including the documents and instruments referred to in the Terms) constitute the entire agreement and understanding of the parties with respect to the subject matter of the Terms, and supersede all prior understandings and agreements, whether written or oral, among the parties with respect to such subject matter.

Electronic Signatures

Australia has legally accepted electronic signatures since 2000.