In accessing this site, you are agreeing to the terms and conditions outlined below in addition to those contained in any other relevant agreements, disclaimers, licenses and legal notices.

HUBB Financial Institute Pty Limited (HUBB) reserves the right to change these terms and conditions from time to time, without notice, at its sole discretion.

Third party information and Website Links
This Website contains or may contain references and links to other companies and/or their Websites. HUBB makes no representations, warranties or endorsements whatever about any other Websites to which you may have access through this website, or any products or services of those other companies, even if the products and services of those other companies or their Websites are described or offered on this Website or integrated with HUBB's products or services.

The Website contains or may contain articles written by third parties. These articles are provided for the interest of HUBB students, however at no time should they be construed to be the views of HUBB or to constitute any recommendation.

Website information
Hubb reserves the right to change any information related to the products and/or services on this website or in other mediums at any time, without notice. This includes all pricing, special offer and any other information. Information currently displayed on the Website reflects the information current on this day and HUBB is under no obligation to honour any previous pricing or special offers that may have been previously included on this Website or other information source.

Submission of ideas
Any information you provide to HUBB, other than personal information will become the property of HUBB and may be used for any purpose, in any media now known or hereafter devised. This includes any suggestions, improvements and other information, ideas, concepts, know how, works of authorship, inventions and corrections, whether written or oral that are provided to HUBB by you. By sending HUBB any such information, you are granting HUBB an unrestricted, irrevocable, royalty-free, perpetual license to use, reproduce, display, perform, modify, transmit, distribute and otherwise exploit such information and materials, without any obligation to you at any time.

Restriction on use of materials The copying, redistribution, retransmission or publication of any material available on this Website is strictly prohibited without the written consent of HUBB.

Use of Website Information
Where permission is granted to copy, print or distribute information, it is subject to the following conditions:

1. Media may be used solely for the manner and for the purposes expressed or implied through information on the Website or as otherwise agreed to in writing with HUBB.
2. The media may not be altered or modified in any way, except as authorised in writing by HUBB.
3. Any copy of the media or any portion thereof must include the copyright notice:
   
   Copyright © HUBB Financial Institute Pty Ltd, 2006. All rights reserved.
4. HUBB reserves the right to revoke any given authorisation at any time in writing, at which point any such use must be discontinued immediately.

Limitation of Liability
All products, services, information and downloads on this site are offered or provided “as is”, without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability and fitness for a particular use or purpose.

Under no circumstances shall HUBB be liable for any direct, indirect, consequential or incidental damages, loss of profits, loss of revenue or loss of use, including, without limitation, those resulting from loss of, or errors in, service, whether or not we have been advised of the possibility of such damage.

Changes are periodically made to the information provided on this Website without advance notice of any kind. HUBB may also make changes in the products and services described in this site at any time without advance notice. HUBB does not warrant that the information contained on this Website is accurate or error-free.

Governing Law:
These terms and conditions are governed by the laws of New South Wales and both parties submit to the non-exclusive jurisdiction of the courts of this State.

PRIVACY POLICY

Revised and posted as of: 20 November 2006.

HUBB is committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of the web site. The web site is owned and operated by Hubb.

If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at info@hubb.com.

Gathering of Information

Voluntary Submission
Hubb does not collect personally identifying information about any individual web site user except when knowingly provided by such individual. For example, we may ask you for information when you register to receive information. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most of the web site, but you may be unable to access certain options and services.

Cookies
A cookie is a data file that certain web sites write to your computer's hard drive when you visit such sites. A cookie file can contain information, such as a user identification code, that the site uses to track the pages you have visited. uses cookies solely to track user traffic patterns throughout the web site and to allow you access to "member only" section of the site. We use this data on an anonymous basis and we do not correlate this information with personal data of any user.

Most web site browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from our web site, you may not be able to use certain features of the site.

Browser Level Information
Web servers automatically collect information about a site user's IP address, browser type and referrer by reading this information from the user's browser (information provided by every user's browser). This information is collected in a database and used--in an aggregated, anonymous manner--in our internal analysis of traffic patterns within our web site. This information is automatically logged by most web sites.

Use of Information
Our primary goal in collecting user information is to enhance your experience on our web site. We achieve this goal by, among other things, providing interactive communications such as our electronic newsletters to the e-mail address that you provide to us, and developing future editorial content based on your interests. To develop content targeted to your interests, we use aggregated user information to determine which areas of our web site users prefer based upon traffic to those areas. We do not track what individual users read, but instead how well each page or content area performs overall.

www.hubbinstitute.com is a free web site and we may derive revenues from advertising. In order to attract and retain advertisers we use the aggregated, anonymous information that we gather (as well as information from third-party market researchers) to describe our services to partners and to assist our advertisers and sponsors to better understand our audience. This is essential to keeping our service free of charge to our users. We do not disclose personally identifying information about our users to these parties.

Hubb may also disclose information about our users when we believe, in good faith, that the disclosure is required by law.

When you are on an area of and are asked for personal information, you are sharing that information with as well as business partners and vendors providing hosting and other services for . If you do not want your information to be shared, you can choose not to allow the transfer of your information by not using that particular service. These parties, as well as advertisers who contract directly with a third-party service to serve their advertisements, may set their own cookies.

In addition, any personally identifiable information provided by our users as part of an advertiser promotion online may be provided directly to advertisers.

Please be aware that sponsors, advertisers or web sites that have links on our site may collect personally identifiable information about you. The information practices of those parties and web sites linked to are not covered by this privacy statement. users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.

Children under 13: Do not send any information about yourself to us--including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible.

How to Contact Us
If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at enquiry@hubbinstitute.com.

This statement may change from time to time, so please check back periodically.

DEFINITIONS:

Browser type : A user’s browser is a software program running on a computer that allows users to access documents on the World Wide Web. Browsers can be either text or graphic. They read HTML coded pages that reside on a server and interpret the coding into what the user sees as Web pages. Netscape Navigator and Microsoft Internet Explorer are examples of Web browsers. Browser type typically discloses hardware platform, operating system, and browser software and version.

Referrer : The referrer is the URL of the Internet resource or page that causes a browser to request a page or image from servers.

IP address : Every computer connected to the Internet has a numeric address called an "IP address." This may or may not correspond uniquely to a particular computer. In some cases, IP addresses can be resolved to domain names, which may indicate a site visitor's Internet service provider, employer, university, etc. As part of its database analysis resolves IP addresses to domain names.

For more information on general rules concerning the use of customer data, go to www.networkadvertising.org.