• Reliance on the completeness, accuracy, suitability or currency of the email or the website or their content (including third party material and advertisements on the email or the website), irrespective of any verifying measures taken by us.  The email and the website are designed for general interest only.
• Failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records. 
• Accessing any sites or servers maintained by other organisations through links on the website or any communication from the website.  Links are provided for the convenience of users of the website only and without responsibility for the content or operation of those sites.  Unless otherwise stated, linked sites and their products and services are not endorsed by R.I.S.K. Pty Ltd and your linking to any such site is at your own risk. 
• The provision of credit card or other financial information, the failure to complete (or delay in completing) any transaction, or other loss or damage arising from any e-commerce transacted or attempted to be transacted on the website. 
• Defamatory, threatening, offensive or unlawful conduct of third parties or publication of any materials relating to or constituting such conduct. 
• A breach by R.I.S.K. Pty Ltd of its Privacy Policy (other than a wilful breach).

Payment Terms
Where a non-subscriber becomes a subscriber and gains access to the Member services on the site, the following terms will apply:

• Payment may be made direct from the member’s licensee in which case there is no financial transaction occurring between the Member and the risk store
• Payment may otherwise be made by credit card debit, via the secure registration section of the site
• The individual Member subscription fee is published in the Become A Member section of the site
• Where an AFA member number is not provided in the field requested in the registration section, there will be no refund for any additional subscription debited due to the omission of the member number
• Where payment is made by credit card, the Member’s access will be granted once the credit card debit has been approved and advised to the risk store
• The subscription payment represents one year of access to the full site and appropriate notice will be provided near to the expiry of the year so that the Member can renew the subscription
• Renewal of subscription will require the Member to supply credit card details for the transaction.  No credit card details will be held by the risk store.
• No refund will apply should a Member not wish to continue to access the risk store during the course of a subscription year or if membership is suspended by the risk store under this code of conduct.
  

Member Conduct
Members agree to not use the Blog service to:

• upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
• seek answers to any assignment questions associated with educational courses being undertaken; 
• harm minors in any way;
• impersonate any person or entity, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Blog;
• upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment or Principal/Agency relationships or under nondisclosure agreements);
• upload, post, email, transmit or otherwise make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
• upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
• upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

• The individual subscription you have purchased is for one subscriber and (if applicable) your personal assistant, as the only other person with permission to access the site via your subscriber's username and password.
• You are solely responsible for the protection and confidentiality of your username and password.
• You will not reveal (or cause to be revealed through any act or omission) your password to any other person.
• Failure to meet these terms will mean suspension of the subscriber's access without notice and without refund of membership subscription fee.
  
• The price of any subscriber service is subject to change at any time.

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