Terms & Conditions and Financial Services Guide

Tarfaya Nominee Pty Limited ACN 001 350 634 ("Tarfaya") is the publisher of The Rivkin Report and the Rivkin Trading Report and holds Australian financial services licence no. 247373.

Please ensure that you understand the risks of direct investing before risking your capital. Direct investing in the stock market or derivatives products can result in financial loss. Historical results are no guarantee of future returns.

The advice in The Rivkin Report and Rivkin Trading Report has been prepared without taking account of any particular person's investment objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. There may be a product disclosure statement or other offer document for the securities and financial products we write about in The Rivkin Report and Rivkin Trading Report. You should obtain a copy of the product disclosure statement or offer document before making any decision about whether to acquire the security or product.

Tarfaya and Rivkin Securities have tried to ensure the soundness of the opinions and recommendations, as well as the accuracy of the information used to derive them, but it makes no representation and takes no responsibility as to the soundness of any opinion or the accuracy or completeness of any information in The Rivkin Report and Rivkin Trading Report. You should invest only an amount that you can afford to lose. If you are borrowing money to invest or you are investing in derivatives, including Contracts for Difference (CFDs), you may lose more than your original investment.

All opinions expressed represent The Rivkin Report and Rivkin Trading Report views as at the date of publication and may change without notice. The Rivkin Report and Rivkin Trading Report is for information purposes only, and is not intended as an offer or solicitation with respect to the sale or purchase of any security or financial product.

None of Tarfaya or Rivkin Securities, their employees, directors or associates guarantee the performance of a security or financial product that is recommended in The Rivkin Report and Rivkin Trading Report. All of Tarfaya and Rivkin Securities, their employees, directors and associates disclaim to the maximum extent permitted by law any liability for any loss or damage however caused arising as a result of any member relying on information in The Rivkin Report and Rivkin Trading Report.

Tarfaya or Rivkin Securities do not warrant or guarantee the delivery of advice by electronic or physical means. If you are unsure about the present status of our advice, you should contact the Investment Team on 02 8302 3600.

Tarfaya and Rivkin Securities have prepared a Financial Services Guide (FSG) which sets out, among other things, information on the commissions, remuneration and benefits that we and our associates may receive in respect of providing a financial service to you. You can obtain a copy of this via the below link or by calling us on 02 8302 3600.

Tarfaya and Rivkin Securities have a Privacy Statement. You may obtain a copy of our Privacy Statement from our website or by calling us on 02 8302 3600.

Complaints: If you have any complaint about the service provided to you, you should take the following steps.

Contact a stock consultant and speak to that consultant about your complaint.

If your complaint is not satisfactorily resolved within three business days, please contact Kristian Dibble on (02) 8302 3600 or put your complaint in writing and send it to us at PO Box 1524 Double Bay NSW 1360. We will try and resolve your complaint quickly and fairly.

You may also contact the Financial Ombudsman Service, GPO Box 3, Melbourne, Victoria, 3001, telephone 1800 555 677. Tarfaya and Rivkin Securities are both members of this scheme. The Australian Securities and Investments Commission (ASIC) also has a freecall infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights.

In the instance that individual employs of Tarfaya or Rivkin Securities are incapable or unable to produce The Rivkin Report and/or Rivkin Trading Report, Tarfaya Nominee Pty Limited and Rivkin Securities Pty Limited will continue to deliver the Reports.

Reproduction Prohibited. Information for members Only.

The Rivkin Report and Rivkin Trading Report Account Handling Fee: The price paid for The Rivkin Report and Rivkin Trading Report memberships with a duration of one year or more is known as the Total Subscription Cost. Part of your Total Subscription Cost is made up of an Account Handling Fee that is accounted for at the point of sale. This covers upfront costs such as sales, marketing and administration. The account handling fee is $390.00 and does not vary for one-year, two-year or three-year memberships.

The remainder of the subscription cost (i.e., the Total Subscription Cost minus the Account Handling Fee) addresses and accounts for the ongoing component of your membership that occurs beyond the point of sale.

Suspension Policy: In the instance where a The Rivkin Report and Rivkin Trading Report member requires a suspension of their membership, The Rivkin Report and Rivkin Trading Report will honour a one-off suspension for a period of up to three months during the life of the membership. Membership will be automatically reactivated after three months.

Refund Policy:  As the Rivkin Report and the Rivkin Trading Report both offer a free trial, it is the policy of the company to not give refunds once the product has been purchased.

The Rivkin Report

The Rivkin Report provides a user's guide to all members outlining the basics of how to use this tool. We recommend everyone read it before risking capital in the market. It is available in the library in the Member's section of the website or it can be mailed to you. Please ensure that you understand the risks of direct investing before risking your capital. The Rivkin Report guarantees a minimum of 45 issues per year. Direct investing in the stock market can result in financial loss. Historical results are no guarantee of future returns.

 SMS Alerts: The Rivkin Report offers its members a SMS Alert service for $20 per annum. This is available for members who receive the Report online or by fax and its purpose is to notify members when a new recommendation to buy or sell has been issued via fax or email. This service is particularly useful for members who are not sitting at their computers all day, or near their fax machines. This service is only to provide an alert that a new recommendation has been issued and must not be acted upon until reading the full story in The Rivkin Report.

The Rivkin Trading Report

A User Guide is available to all members, outlining the basics of how to use this tool. We recommend everyone read this document before risking capital in the market. The User Guide is available on our website. Please contact our office if you would like a copy emailed or posted to you.
 
The Rivkin Trading Report places a strong emphasis on capital allocation, risk per trade and the correct use of leverage to manage both risk and capital. It is extremely important to become familiar with these concepts and the potential risks before you commence to place trades recommended in the Rivkin Trading Report. The User Guide provides a full explanation of the concepts involved. Please do not hesitate to contact any of our stock consultants if you have any queries on how to trade using the Rivkin Trading Report.

The Rivkin Trading Report is designed as a comprehensive trading tool. To get the most out of the Report, members are strongly recommended to follow each trade recommendation, including the strict placement of stop-loss and target orders in order to gain the maximum benefit and intention of the Report.

The Rivkin Trading Report is published electronically and not by post or fax.

Email Alerts: The Rivkin Trading Report aims to issue at least one email for each day of trade on the Australian Stock Exchange, notifying members to log into the Rivkin Trading Report website to check for updates on orders including new orders, pending orders, changes to existing orders, closed and cancelled orders