Subscription Terms

The websites that form the network of Fairfax Business Media sites (hereinafter referred to individually as the "FBM Site" or collectively, the "FBM Sites") are owned and operated by Fairfax Media Publications Pty Ltd ("Fairfax"). These terms govern your subscription to any product available through the FBM Sites. These terms, together with the Conditions of Use, form part of the general terms and conditions governing the material on, use of and access to the FBM Sites. Fairfax may change these Subscription Terms at any time in its sole discretion. You are responsible for ensuring that you regularly review these terms and any other notices or communications made by Fairfax relating to your afr.com subscription. By continuing to use the FBM Sites, you agree to be bound by changes to these terms.

Registration, Authorised Use, Security & Monitoring

Your subscription will not be valid unless and until Fairfax accepts your registration. All personal information you provide Fairfax will be treated in accordance with the Fairfax Privacy Policy. It is your responsibility to inform Fairfax of any changes to that information. When you register with Fairfax to use one of the FBM Sites, you select a username (or Fairfax may provide you with one) and Fairfax will issue you with a password, which you may then modify at any time. You must ensure that your username and password remain confidential at all times since you are entirely responsible for all use, activities and charges associated with or arising from any use of your username and password (regardless of whether you authorised such use), including unauthorised use of your or any other credit card. Each username and password must be used by a single user and is not transferable. An attempt to login with a username and password that is already in use will disconnect the other user. You must notify Fairfax immediately if you become aware of any unauthorised use of your username and password. Fairfax may monitor usage and unauthorised usage of the FBM Sites (including but not limited to concurrent usage of username and passwords) and may take any action it deems appropriate, including immediately terminating your subscription. Please note that if you have a subscription to both the print and the digital edition of a Fairfax Business Media publication, the owner of print subscription is the designated user of the digital edition. Your username and password must not be shared.

Subscription Charges

For the current fees for products, services and other features offered in connection with the FBM sites, please go to the relevant FBM site. Fairfax reserves the right to change the fees it charges for products, services or features offered in connection with the FBM Sites at any time and will provide you with no less than one month's prior notification of any such change. These sorts of changes include, but are not limited to, adding fees for new/optional products and/or modifying fees for existing products. By subscribing to any services (including additional products that may be offered from time to time) with which there are associated fees, you agree to pay those fees. If you do not want to pay these associated fees, you must cancel your subscription. Unless stated otherwise by Fairfax, in order to register for a service or product, you must submit valid credit card details. When you submit your credit card details during the registration process the card details will be checked for validity and the payment will be processed immediately, or otherwise immediately after the 14 day free trial of afr.com, if applicable. If you are paying by cheque then your subscription commences on the day that your cheque is banked by us. If, subsequently the cheque you sent is not cleared, your subscription will be cancelled and you will have to make a new payment. Whether you pay by credit card or cheque, you will be given notification via email of the commencement of your subscription ("Commencement Date"). Subscription fees and all other fees and charges associated with your subscription (including, but not limited to, any applicable federal, state, and local taxes) will be billed automatically to the credit card you provide when registering for the applicable service. If you do not notify us of changes to your billing details, Fairfax will assume that all of the information related to your credit card remains valid and will submit to the card processor all information that it requires for approval, both when you initially subscribe and, if applicable, upon the commencement of any renewal of that subscription. If any subscription fees or other charges billed to your credit card are not processed for any reason, Fairfax shall have the right to suspend your subscription until such subscription fees or other charges are paid in full. You agree to pay all costs (including legal fees) incurred by Fairfax in collecting any unpaid subscription fees or other charges from you. If payment in full is not received from you, Fairfax reserves the right to cancel your subscription. Subscription fees will be based upon the subscription rates in effect at the start of each subscription term and apply whether or not you actually use afr.com during that term. You cannot suspend your subscription to the FBM Site. Unless stated to be otherwise, charges referred to for use of any services provided by Fairfax are GST inclusive. Where GST applies, upon payment for online credit by you, Fairfax will deduct the GST it incurs from each payment and Fairfax will issue you with a Tax Invoice at the end of the tax year upon your request (which can be made to Customer Service). The balance of the payment will be credited to your account. GST means the Australian goods and services tax charged under A New Tax System (Goods and Services Tax) Act 1999 (the "Act"). Tax invoice means tax invoice as defined by the Act.

Termination or Cancellation of Your Subscription

You may cancel your subscription by calling Fairfax on our customer service number. If you cancel your subscription during the Trial period, if applicable, you will not be responsible for the payment of a subscription fee. If you cancel your subscription in any other case, your subscription will continue in effect until your Renewal Date, and then terminate on that day. The Renewal Date will be the equivalent of the Commencement Date in the month or year (depending on the type of subscription) following the date you give notice of cancellation. (For example, if you join on January 1 and have a monthly subscription and you cancel on June 15, your subscription continues until July 1, at which time it ends.) Subscription fees are non-refundable. Fairfax may however, at its sole discretion, agree to refund any amounts in exceptional circumstances. When you provide us with notice to cancel your subscription, you will still have access to the Basic package of afr.com at no charge. This allows you to view some limited articles, purchase pay per view articles or reports and continue to use portfolios and watchlists. Except for annual subscriptions (where we will notify you about the renewal of your annual subscription), you understand that unless you notify us that you wish to cancel your subscription before the end of your then-current subscription term, your subscription will continue to automatically be renewed for successive terms of the same duration and your credit card will be charged for each such renewal at the subscription fee in effect at the time of that renewal. The term "Subscription Term" shall refer to the term of your subscription then in effect, regardless of whether it is the initial term or any renewal of that term. Fairfax may immediately cancel your subscription, without notice or liability, if it determines in its sole discretion that:

• you have breached any portion of these Subscription Terms or the general terms and conditions for use of the FBM Sites or
• your use of or access to the FBM Site(s) violates any applicable law or regulation or otherwise inhibits any other subscriber from using or accessing the FBM Sites or any other service offered by Fairfax on the FBM Sites.

None of the foregoing limits any other legal, equitable, or contractual rights available to Fairfax. Fairfax may, in its sole discretion, choose not to renew your subscription by providing you with notice via email of non-renewal at any time during your subscription term. In the event of the foregoing, your subscription will cease immediately and will not automatically renew at the end of your then-current subscription term.

Marketing Opt-in

By subscribing to any of the products or services offered on the FBM Sites, you agree to opt in to email tips, marketing communications and newsletters. You may unsubscribe from each of these communications using the unsubscribe function at the bottom of each email or by calling Fairfax Business Media Customer Service on 1800 032 577.

Additional Terms that apply to Third Party & Gift/Promotional Subscriptions

Please note that if you are the recipient of a third party or gift/promotional subscription, the following additional terms and conditions apply:

• Fairfax will initially provide you with both the username and password.
• You will not be able to alter your account details supplied by the third party.
• If you have received a gift or promotional subscription to afr.com (including additional services) from a third party, you understand that your subscription may be altered or cancelled by Fairfax or the third party and you will be notified via email of such alteration or cancellation. You will be given the opportunity to renew or adjust your subscription as the case may be and such renewal or adjustment will be effective once you have given us your additional subscription and payment details.
• In the case of a third party subscription, the administrator of that third party will, unless otherwise agreed, have control of the Wallet and the ability to upgrade and downgrade your subscription.
• In the case of gift subscriptions, you may upgrade your subscription and top up your Wallet if you provide your personal credit card details.
• If you have taken up additional services and the Essential Access provided by us or the third party is cancelled, unless you renew such Essential Access (the minimum subscription required), all services will be cancelled.
• If you are the recipient of a third party or gift/promotional subscription, then you are not entitled to a Trial (afr.com).

Terms applicable to afr.com

Australian Financial Review Print Edition - Subscriber Advantage Benefit

If you are a Monday to Friday or Monday to Saturday subscriber to The Australian Financial Review and you subscribe directly through Fairfax, you are eligible for a subscriber benefit of a discounted subscription with afr.com. To receive the subscriber benefit with afr.com, your subscription to The Australian Financial Review must be active on the billing anniversary date and normal newspaper subscription terms and conditions apply. If you subscribe directly through Fairfax and you cancel your Financial Review print subscription, you will be given notification via email that the subscriber advantage benefit will no longer be available to you and that you will be charged for the full amount of afr.com, unless you advise us otherwise. To claim your subscriber advantage benefit you must enter your subscriber number and delivery postcode during the sign up process.

Trial Terms

If you receive a free fourteen (14) day trial subscription to an afr.com product ("Trial"), it will begin on the date on which Fairfax accepts your registration. During the Trial you will not be charged a subscription fee but may be subject to fees relating to wallet products as set out below. You may cancel or opt-out of the Trial prior to the expiry of the 14 days online or by calling Fairfax. However, if you do not cancel during this Trial, the initial term of your regular afr.com subscription will start after the fourteen (14) day period and will continue on a month to month basis (or yearly basis, depending on the option you have selected) and your credit card will be charged. After your Trial, once your subscription has commenced, you can at any time, change your package in accordance with these Subscription Terms. You can only cancel your subscription in accordance with the cancellation terms below. If you have previously received a Trial, you will not be eligible to receive another Trial. You understand that the Trial may not include certain information or services, as specified from time to time.

Wallet Products

You can purchase archives, reports, newsletters and other products and services through afr.com in accordance with these terms. To purchase any of these items you must have a "Wallet" which provides credit to purchase these items. The minimum amount you can add to your wallet in one transaction is $25. Your credit balance is valid for one year from the date of your wallet top-up. When you elect to purchase an item, prior to downloading (and/or printing) each such item, you will be notified of the associated fee (if any) and, if you choose to proceed with the download, its monetary value will be deducted from your existing wallet balance at the time of the transaction. You must have sufficient credit in your wallet for the transaction to proceed. Please note that if your subscription is managed by an administrator, you will not be able to access My Account and you will have to contact Customer Service for your own personal subscription.

Article Archives

All users of afr.com are able to search headlines in the archives. Unless otherwise stated in writing in your subscription,, you will have access to a reasonable number of articles from Fairfax and other information providers, as determined by Fairfax from time to time. You can purchase additional articles that are not included as part of the reasonable use package in accordance with the terms set out in the previous paragraph by using your Wallet, unless the specific article is stated as being excluded from pay per view purchases. The complimentary article views provided by Fairfax will be refreshed monthly. Any unused article views cannot be carried over into the next month. Alternatively a small fee is charged to view archived articles if you do not have any included in your subscription package or you have used up your quota of archive credits. You can purchase these by setting up a wallet and adding credit to it. Prices are subject to change at any time without prior notice to you. Use of all articles is strictly for personal use only and subject to the terms and conditions herein. We will not refund for incorrect choice of article. Once you have purchased an article, you have access to that article for 12 months unless otherwise specified by Fairfax. Please note that in the event that your subscription is managed by an administrator through group billing or a corporate account, you have 30 days access to an article that you have viewed in afr.com. If however you are the recipient of an afr.com-generated email, you also have access to that article for 30 days.

Email referral limits

If you have access to afr.com search and alert with group billing, you may send afr.com emails. There will be a monthly usage limit set by your account administrator. Article views in afr.com and those generated by afr.com emails, count towards your monthly usage. If you forward an email from the service, articles viewed by the recipients count towards your monthly usage. The email referral limit specified for each email you send from the service, represents your maximum article view liability per email.

Upgrading/Downgrading Your Subscription

Please contact Customer Service, at any time, to discuss changing your service.

Terms applicable to BRW.com.au

If you have a print subscription to BRW you automatically receive complementary full access to brw.com.au and will receive a username and password for this digital access.

Privacy Statement

Fairfax collects your personal information to fulfil your subscription to this publication. Fairfax may disclose the information to its related companies and may use the information to offer products and services of potential interest to you. You can access your personal information by writing to the Privacy Officer at GPO Box 506, Sydney NSW 2001. If you do not wish to receive special offers or marketing communications from Fairfax, please either call 1800 032 577, send an email to fbmhelp@brw.fairfax.com.au, fax a copy of your request to (02) 9282 1779 or mail it to the Privacy Officer at GPO Box 506, Sydney NSW 2001. You can obtain further information on the Fairfax Privacy Policy by visiting http://www.afr.com/home/privacy.aspx

Do not call Register: Consent Clause

This clause below only applies if the phone number you have provided to us for your subscription is primarily used for private or domestic use. You agree to receive phone calls relating to your lapsed or cancelled subscription for up to 36 months until you notify us otherwise. If you do not wish to receive such phone calls from Fairfax, You can notify Fairfax by email at fbmhelp@brw.fairfax.com.au, by phone on 1800 032 577, fax your request to (02) 9282 1779 or by post to: Fairfax Privacy Officer, at GPO Box 506, Sydney NSW 2001. Last updated: 07 November 2007