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10 LifeRisk Online Subscription Agreement LifeRisk Online is a Registered Business Name of Life Risk Services Pty Ltd ABN LifeRisk Online and its successors provide the services under the terms and conditions as set out in this Subscription Agreement. 1. availability of LIFERISK online LifeRisk Online is only available to Australian Financial Services (AFS) Licence holders and their Authorised Representatives. Subscribers must provide the AFSL number of their Licensee together with the ASIC Authorized Representative Number of each user and their contact details when subscribing. Users who are employees of subscribing AFS Licensees are not required to provide an ASIC Authorised Representative Number. 2. conditions of use 2.1 Reports and Quotations produced by LifeRisk Online are for the use of authorised users with their clients and for internal management purposes such as compliance. Further distribution, in any form, to anyone else is prohibited by this agreement without the express written consent of LifeRisk Online. 2.2 Only Users that are included in a current Subscription Agreement may access and use the LifeRisk Online website. 2.3 Users must quote LifeRisk Online as the source of Comparison Reports and Quotations in all references. 2.4 LifeRisk Online Comparison Reports are provided as an information service to AFS License holders and their Authorized Representatives. 2.5 LifeRisk Online takes no responsibility for the subsequent use of the research provided in the report. 2.6 We understand that it is the responsibility of AFS License holders and their Authorised Representatives, who use LifeRisk Online, to provide appropriate advice to retail clients. 3. subscription licenses 3.1 Subscriptions are provided under this Agreement on a per Adviser basis. That is, an Adviser who is not a User under a current Subscription Agreement cannot use LifeRisk Online without breaching this Agreement. 3.2 Paraplanning staff and practice support staff may access an Adviser s user account under the direction of the Adviser without additional cost. Running a Comparison quote, providing comparison reports or quote PDFs to an Adviser who is not a User under a current LifeRisk Online Subscription Agreement is a breach of this Agreement. 4. users 4.1 Users may be added to a Subscription at any time. Additional subscription fees will apply from the next 1 st or 15 th of the calendar month depending on the Subscription billing date.

11 5. Termination of a subscription or of a user s access 5.1 Subscribers may amend or terminate their Subscription at any time upon provision of written notice Acceptable forms of written notice are , fax or letter LifeRisk Online services will continue to be available until the end of the month following the termination of the Subscription. 5.2 An individual s User access may be terminated as part of a Subscription at any time. Except where directed by the Subscriber, access to LifeRisk Online will cease at the end of the month that written notice was given that a User s access is to be terminated. 6. Refunds 6.1 Following the termination of a subscription or of a user s access, refunds will not be provided for monthly payments. Unexpired whole months of longer payment durations will be refunded. 7. Invoices 7.1 Invoices are issued on 14 day terms. Invoices are ed to the Subscriber at the beginning of each month or after the 15 th of the month depending on your billing date. If invoices remain unpaid at the end of the month, access to LifeRisk Online may be restricted or suspended pending payment. 7.2 Billing date is the 1 st of the month if your subscription commences between the 15 th and end of the month. Billing date is the 15 th of the month if your subscription commences between the 1 st and the 14 th of the month. 8. updating subscription terms... LifeRisk Online may update the terms of the Subscription Agreement simply by ing the revised agreement to Subscribers. The new terms will apply from the next Subscription payment.

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