Market Insight

Financial Services Guide - FSG

Financial Services Guide for Market Insight Pty Limited ABN 34 101 797 979

Introduction

As a requirement of the Financial Services Reform Act (FSRA), we are obliged to provide you with a Financial Services Guide (FSG).

Market Insight Pty Ltd provides "general financial product advice only, but can arrange for a person to deal in a financial product, issue, apply for, acquire, vary or dispose of a financial products on behalf of another".

The purpose of providing this FSG is to ensure you are given sufficient information to make informed decisions regarding whether to obtain financial services from Market Insight. It includes details of how we are remunerated and what your options are should you ever have a complaint about our services.

The maters covered by the FSG include:

Who we are?

How we can be contacted?

What services we are authorised to provide to you?

How we are remunerated?

Details in relation to any potential conflicts of interest.

Details in relation to our internal dispute resolution procedures along with how you can access them.

Who is Market Insight ?

We are a financial services firm servicing retail and professional clients across Australia. We specialise in the creation of a fortnightly, independent share market newsletter for educational purposes and periodically conduct workshops based around these methods

How can we be contacted?

Market Insight Pty Ltd
PO Box 216
Beachmere Qld 4510

Contact details:
Tel No: 0409 051 047
Email: support@marketinsight.com.au

What services are do we provide to you?

Market Insight can offer you the following services:

General Financial Product advice in relation to:

Securities
Derivatives (CFDs, options, warrants & futures)

Qualifications:

The Market Insight Pty Ltd staff that are involved with education and training are PS146 compliant in Securities and Derivatives which is maintained through Kaplan training and ongoing industry training throughout each year and also hold Certificate IV in workplace training.

How do we get remunerated?

Market Insight operates a subscription based and educational based business.

When subscribing to our Analyst Insight newsletter you will be required to pay a subscription fee according to the period of time you join for.

When attending a Workshop or Seminar you will be required to pay the attendance fee upfront.

Market Insight (and its authorising licensee) is acting on your behalf in providing its services.

Market Insight Pty Ltd to provides its clients and members "general financial product advice only and arrange for a person to deal in a financial product, issue, apply for, acquire, vary or dispose of a financial products on behalf of another".

As such, Market Insight may receive commissions for providing these services.

Will we provide you with specific advice in relation to your needs?

Market Insight provides general advice only, and has no knowledge of your personal requirements or financial needs. We can however refer you to a specialist for personal advice.

What information do you maintain in my file?

We keep you name, address, phone numbers, email details and sometimes we may ask what markets you like to trade (for marketing purposes).

You can change or remove your details from our database upon request.

Problem Resolution or Complaints

Problem resolution is a priority for us. If you have any problems with the financial services that we provide, please contact us and we will endeavor to resolve it for you quickly and fairly. You should take the following steps to enable us to do so:

Contact our office and tell us about your complaint.

If your complaint is not satisfactorily resolved within 7 days, please put your complaint in writing and forward it to:

Market Insight Pty Ltd
PO Box 216
Beachmere Qld 4510

If you remain dissatisfied (or have not received a written response within 14 days of the date of your written complaint) you can contact the Australian Securities & Investments Commission (ASIC) by telephone on their free call info line 1300 780 885 to find out which industry complaints scheme may be available to help you to settle your complaint.

Compliance

Employees and associates of Market Insight Pty Ltd may hold positions in the markets mentioned in the Analyst Insight newsletter.

Privacy Policy

Our Commitment

Our privacy policy explains our commitment to the protection of your personal information. Please note we treat all information you provide us in confidence and will take all reasonable steps to ensure non-disclosure to anyone other than for the purpose of fulfilling your instructions.

We treat all client information in accordance with the provisions of the Privacy Amendment Act 2001.

Collection

The Market Insight database will be used together to gather and store contact information from clients and prospective clients.

This information will include:

Full Name
Address
Telephone Numbers
Email Address

And will be used to:

Provide investors and traders with updates via email, sms or desktop delivery service.

Send out periodic emails keeping prospects informed of new products or services offered by Market Insight Pty Ltd.

We intend to send out occasional survey's to the database with a view to improve our products and services.

Our Sales/Marketing team will make telephone calls with the objective of selling Market Insight Services and products.

These calls will include:

Calling existing Market Insight members to renew subscriptions.

Calling prospects from the website to promote Market Insight products.

Calling former subscribers with the objective of renewing subscriptions

Market Insight will respect your privacy at all times. We will not use or disclose personal information collected by us at any time unless instructed by you to do so.

Terms & Conditions

Service Provider

The website and services are owned and operated by Market Insight Pty Ltd
(ABN 34 101 797 979) trading as Market Insight.

The website is hosted form a server located in Brisbane, Queensland, Australia.

You may view the website and its contents, make copies of content material for your own information, research or any studies, however you may not modify the copy from its original appearance on the website and you must include any copyright or trademark notices on the copy that you make.

You must not attempt to link to this website from another site without the written permission of Market Insight Pty Ltd.

Reproduction of all material within the Market Insight member's area is strictly prohibited.

By ticking the "I accept" button when subscribing you agree and accept the above terms and conditions and agree to abide by them as amended periodically.

The members area services are available to paid subscribers for as long as they are paid up.

Services

See our Financial Services Guide for a full description of our services.

In summary Market Insight will provide you a fortnightly newsletter - Analyst Insight, and periodically offer workshops and seminars based around these methods.

Christmas New Year holiday closure period for Market Insight Pty Ltd and the Analyst Insight newsletter:

The Analyst Insight newsletter will not be produced or written from the Christmas day weekend (closest weekend to Christmas day) through to the first weekend of January of the following year, but will resume again as of the weekend that follows.

In summary Market Insight will provide you a fortnightly newsletter - Analyst Insight, and periodically offer workshops and seminars based around these methods.

Continuous Billing

Once you have subscribed, you do not have to worry about renewing and resubmitting your credit card details every time it's up for renewal.

We have developed a continuous billing system with Paypal, so that your card will be charged by Paypal at the end of the prepaid period for your next subscription.

You reserve the right to cancel your subscription at any time by advising Paypal to cancel your subsrciption.

Cancellations

All subscriptions are in effect until Paypal is notified of cancellation in writing. Cancellation does not warrant reimbursement for services rendered or provided, cancellation of newsletter service will be effective at the end of the subscription period in which we receive notification.

Advanced Payments

All fees are to be paid in advance and are non refundable once the subscription period has begun. We provide a "quality assurance" money back guarantee which is valid for 14 days after subscribing.

This means that to receive a refund, you must establish that a misrepresentation was made, or establish that there was a serious fault with the website or our delivery service of the product (PDF file) to you.

You must begin the process by notifying us in writing ASAP.

How We Provide Our Services

Our services are provided by, but not limited to, the following services: Email, Website, SMS, Computer DeskTop delivery software and mail-outs. As new communications develop we will asses them for our purposes.

Market Insight disclaims responsibility for any communications disruptions that hinder timely receipt of signals.

Viruses

Market Insight does not warrant that any information obtained from or through this website or any of our delivery services is free of computer viruses. It is your responsibility to scan any such information.

Computer/Software Incompatibilities

Market Insight will endeavor to provide its products on the most popular platforms available. At present this is Adobe Acrobat PDF files. Market Insight will not be held responsible for non operational of our service on non standard computers or software. If you have a problem please contact us for an alternative.

Other Websites

This website and newsletter may contain links to websites maintained by other companies and organizations. Market Insight does not make any checks about the accuracy ownership of information contained on them and will not accept responsibility for the accuracy, ownership, compliance and suitability of those websites and their information and links.

Release and Indemnity

You hereby waive release, forgive, discharge and relinquish any or all claims you now have against the directors, employees agents and representatives which are connected with, arise out of, relate to operation of this website or its content.

Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of Queensland and agree to submit to the exclusive jurisdiction of the courts of State of Queensland, Australia

Limitation of Liability

Market Insight will in no way be held liable for any direct, indirect, incidental, special or consequential damages arising from this website or our services.

Where any Act of Parliament, implies in these terms and conditions any terms condition or warranty, and that act avoids contract excluding or modifying the application of or exercise of, or liability under such term, condition or warranty, such warranty will be deemed to be included in these Terms and Conditions. However the liability of Market Insight for any breach shall be limited, at the option of Market Insight to the supply of the services again or the cost of refunding any fees paid for after the time of the introduction of such Act.

Disclaimer

You agree that your use of this website and our services is at your own risk and that any trading decision you make is yours and your alone. You also agree to decide either with or without the help of a Licensed Investment Advisor qualified to give you specific or personal advice whether your personal circumstances are suited to the services we provide. You acknowledge that Trading is risky and that you are responsible for your own outcomes.

The information contained in this website and our services are provided in good faith and on an "As is" and "as available" basis. The information is believed to be accurate and current as at the date the information was placed on the website or sent to you.

Neither Market Insight nor any of its directors, officers or employees make any representation or warranties to the reliability, applicability or relevance to you of the information contained in this website and none of them accept responsibility in anyway (including negligence) for errors in, or omissions from, the information contained on this website,

To the fullest extent permitted by applicable by law, Market Insight expressly disclaims all representations and warranties, whether including but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the website or any products or services advertised on the website will meet your requirements, or that our services will be provided uninterrupted, timely, secure or error free.

These Terms and Conditions may be Varied

These Terms and Conditions may be amended from time to time, the Terms and Conditions will become effective immediately.

Methods of Enforcement

Market Insight may use any legal remedy to maintain the services and ensure compliance with these terms and Conditions and termination of service or issuing of legal proceedings.

If we believe you are in breach of the terms and conditions or the law, Market Insight may warn you by Email, post or fax and without notice suspend your access to its website and services.
We may also notify and provide relevant information to any appropriate government agency or authority.

Termination

Your rights under these conditions may be terminated at any time by Market Insight by email post or fax. All terms and Conditions, disclaimers and limitations of liability will still apply after termination.

The material andIntellectual property on this website is protected by Australian copyright legislation Australian.

Legal action will be taken against any person or company that breaches copy right by distributing informationor files contained within the Market Insight website with out prior consent.

Product Disclosure Statements - PDS

A Product Disclosure Statement - PDS is a document which describes a financial product or service, including the features, benefits, costs and risks associated with that product.

The following web link provides you with access to PDS documents which are currently available electronically for products available through Halifax Investment Services LTD.

http://www.halifaxonline.com.au/public_panel/legal/pds.php

Client License Agreement

I understand that there are risks involved in all forms of trading and investment.

I understand that every effort has been made to ensure that the research, data, results and conclusions in the Analyst Insight Home Study Course, Workshops, Analyst Insight newsletters and educational articles are complete and accurate.

I purchase the Analyst Insight Home Study Course, Workshops, Analyst Insight newsletters and educational articles on the understanding that no part of this information contains trading advice - either stated or implied and is for educational purposes only. Traders requiring such advice should contact a licensed advisor. Stockbrokers and Financial Planners are licensed advisors.

I understand that neither Market Insight Pty Ltd, nor anyone involved in the production of this Course, Workshops, Analyst Insight newsletters and educational articles will be liable for any liability, loss or damage directly or indirectly caused, or believed to be caused, by this Course, Workshops, Analyst Insight Newsletters or educational articles.

I understand that the Analyst Insight Home Study Course, Workshops or Analyst Insight newsletters has been sold to me on the clear understanding that it is for my exclusive use, and that I will take all reasonable steps to ensure that no other person has access to the Course, Workshop materials and Analyst Insight newsletters. Should I wish for someone else residing with me to have access to Analyst Insight Home Study Course, Workshop materials and Analyst Insight newsletters I will seek permission from Market Insight Pty Ltd.

I understand that the conditions of this Client License Agreement remain in force if the Analyst Insight Home Study Course, or any Market Insight Pty Ltd product is cancelled or returned to Market Insight Pty Ltd under the terms of its Financial Services Guide - FSG.

I also understand that traders, to be successful, must take full responsibility for their own actions.

No portion of Analyst Insight Home Study Course, Workshop materials, Analyst Insight newsletters or educational articles may be copied, shared or taught in any form without the permission of Market Insight Pty Ltd. This includes all of the materials, including text, audio CDs, DVDs and charts.

I Agree, I have read and understand the Client Agreement, terms and conditions, FSG, and Privacy Policy on the legal page of the www.marketinsight.com.au website.

Please ensure you sign and post the Client Agreement form together with any payment, you can get it here.

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	Financial Services Guide - FSG Financial Services Guide for Market Insight Pty Limited ABN 34 101 797 979 Introduction As a requirement of the Financial Services Reform Act (FSRA), we are obliged to provide you with a Financial Services Guide (FSG). Market Insight Pty Ltd provides *"general financial product advice only, but can arrange for a person to deal in a financial product, issue, apply for, acquire, vary or dispose of a financial products on behalf of another". The purpose of providing this FSG is to ensure you are given sufficient information to make informed decisions regarding whether to obtain financial services from Market Insight. It includes details of how we are remunerated and what your options are should you ever have a complaint about our services. The maters covered by the FSG include: Who we are? How we can be contacted? What services we are authorised to provide to you? How we are remunerated? Details in relation to any potential conflicts of interest. Details in relation to our internal dispute resolution procedures along with how you can access them. Who is Market Insight ?* We are a financial services firm servicing retail and professional clients across Australia. We specialise in the creation of a fortnightly, independent share market newsletter for educational purposes and periodically conduct workshops based around these methods How can we be contacted? Market Insight Pty Ltd PO Box 216 Beachmere Qld 4510 Contact details: Tel No: 0409 051 047 Email: support@marketinsight.com.au What services are do we provide to you? Market Insight can offer you the following services: General Financial Product advice in relation to: Securities Derivatives (CFDs, options, warrants & futures) Qualifications: The Market Insight Pty Ltd staff that are involved with education and training are PS146 compliant in Securities and Derivatives which is maintained through Kaplan training and ongoing industry training throughout each year and also hold Certificate IV in workplace training. How do we get remunerated? Market Insight operates a subscription based and educational based business. When subscribing to our Analyst Insight newsletter you will be required to pay a subscription fee according to the period of time you join for. When attending a Workshop or Seminar you will be required to pay the attendance fee upfront. Market Insight (and its authorising licensee) is acting on your behalf in providing its services. Market Insight Pty Ltd to provides its clients and members *"general financial product advice only and arrange for a person to deal in a financial product, issue, apply for, acquire, vary or dispose of a financial products on behalf of another". As such, Market Insight may receive commissions for providing these services. Will we provide you with specific advice in relation to your needs?* Market Insight provides general advice only, and has no knowledge of your personal requirements or financial needs. We can however refer you to a specialist for personal advice. What information do you maintain in my file? We keep you name, address, phone numbers, email details and sometimes we may ask what markets you like to trade (for marketing purposes). You can change or remove your details from our database upon request. Problem Resolution or Complaints Problem resolution is a priority for us. If you have any problems with the financial services that we provide, please contact us and we will endeavor to resolve it for you quickly and fairly. You should take the following steps to enable us to do so: Contact our office and tell us about your complaint. If your complaint is not satisfactorily resolved within 7 days, please put your complaint in writing and forward it to: Market Insight Pty Ltd PO Box 216 Beachmere Qld 4510 If you remain dissatisfied (or have not received a written response within 14 days of the date of your written complaint) you can contact the Australian Securities & Investments Commission (ASIC) by telephone on their free call info line 1300 780 885 to find out which industry complaints scheme may be available to help you to settle your complaint. Compliance Employees and associates of Market Insight Pty Ltd may hold positions in the markets mentioned in the Analyst Insight newsletter. Privacy Policy Our Commitment Our privacy policy explains our commitment to the protection of your personal information. Please note we treat all information you provide us in confidence and will take all reasonable steps to ensure non-disclosure to anyone other than for the purpose of fulfilling your instructions. We treat all client information in accordance with the provisions of the Privacy Amendment Act 2001. Collection The Market Insight database will be used together to gather and store contact information from clients and prospective clients. This information will include: Full Name Address Telephone Numbers Email Address And will be used to: Provide investors and traders with updates via email, sms or desktop delivery service. Send out periodic emails keeping prospects informed of new products or services offered by Market Insight Pty Ltd. We intend to send out occasional survey's to the database with a view to improve our products and services. Our Sales/Marketing team will make telephone calls with the objective of selling Market Insight Services and products. These calls will include: Calling existing Market Insight members to renew subscriptions. Calling prospects from the website to promote Market Insight products. Calling former subscribers with the objective of renewing subscriptions Market Insight will respect your privacy at all times. We will not use or disclose personal information collected by us at any time unless instructed by you to do so. Terms & Conditions Service Provider The website and services are owned and operated by Market Insight Pty Ltd (ABN 34 101 797 979) trading as Market Insight. The website is hosted form a server located in Brisbane, Queensland, Australia. You may view the website and its contents, make copies of content material for your own information, research or any studies, however you may not modify the copy from its original appearance on the website and you must include any copyright or trademark notices on the copy that you make. You must not attempt to link to this website from another site without the written permission of Market Insight Pty Ltd. Reproduction of all material within the Market Insight member's area is strictly prohibited. By ticking the "I accept" button when subscribing you agree and accept the above terms and conditions and agree to abide by them as amended periodically. The members area services are available to paid subscribers for as long as they are paid up. Services See our Financial Services Guide for a full description of our services. In summary Market Insight will provide you a fortnightly newsletter - Analyst Insight, and periodically offer workshops and seminars based around these methods. Christmas New Year holiday closure period for Market Insight Pty Ltd and the Analyst Insight newsletter: The Analyst Insight newsletter will not be produced or written from the Christmas day weekend (closest weekend to Christmas day) through to the first weekend of January of the following year, but will resume again as of the weekend that follows. In summary Market Insight will provide you a fortnightly newsletter - Analyst Insight, and periodically offer workshops and seminars based around these methods. Continuous Billing Once you have subscribed, you do not have to worry about renewing and resubmitting your credit card details every time it's up for renewal. We have developed a continuous billing system with Paypal, so that your card will be charged by Paypal at the end of the prepaid period for your next subscription. You reserve the right to cancel your subscription at any time by advising Paypal to cancel your subsrciption. Cancellations All subscriptions are in effect until Paypal is notified of cancellation in writing. Cancellation does not warrant reimbursement for services rendered or provided, cancellation of newsletter service will be effective at the end of the subscription period in which we receive notification. Advanced Payments All fees are to be paid in advance and are non refundable once the subscription period has begun. We provide a "quality assurance" money back guarantee which is valid for 14 days after subscribing. This means that to receive a refund, you must establish that a misrepresentation was made, or establish that there was a serious fault with the website or our delivery service of the product (PDF file) to you. You must begin the process by notifying us in writing ASAP. How We Provide Our Services Our services are provided by, but not limited to, the following services: Email, Website, SMS, Computer DeskTop delivery software and mail-outs. As new communications develop we will asses them for our purposes. Market Insight disclaims responsibility for any communications disruptions that hinder timely receipt of signals. Viruses Market Insight does not warrant that any information obtained from or through this website or any of our delivery services is free of computer viruses. It is your responsibility to scan any such information. Computer/Software Incompatibilities Market Insight will endeavor to provide its products on the most popular platforms available. At present this is Adobe Acrobat PDF files. Market Insight will not be held responsible for non operational of our service on non standard computers or software. If you have a problem please contact us for an alternative. Other Websites This website and newsletter may contain links to websites maintained by other companies and organizations. Market Insight does not make any checks about the accuracy ownership of information contained on them and will not accept responsibility for the accuracy, ownership, compliance and suitability of those websites and their information and links. Release and Indemnity You hereby waive release, forgive, discharge and relinquish any or all claims you now have against the directors, employees agents and representatives which are connected with, arise out of, relate to operation of this website or its content. Applicable Law These terms and conditions shall be governed by and construed in accordance with the laws of the State of Queensland and agree to submit to the exclusive jurisdiction of the courts of State of Queensland, Australia Limitation of Liability Market Insight will in no way be held liable for any direct, indirect, incidental, special or consequential damages arising from this website or our services. Where any Act of Parliament, implies in these terms and conditions any terms condition or warranty, and that act avoids contract excluding or modifying the application of or exercise of, or liability under such term, condition or warranty, such warranty will be deemed to be included in these Terms and Conditions. However the liability of Market Insight for any breach shall be limited, at the option of Market Insight to the supply of the services again or the cost of refunding any fees paid for after the time of the introduction of such Act. Disclaimer You agree that your use of this website and our services is at your own risk and that any trading decision you make is yours and your alone. You also agree to decide either with or without the help of a Licensed Investment Advisor qualified to give you specific or personal advice whether your personal circumstances are suited to the services we provide. You acknowledge that Trading is risky and that you are responsible for your own outcomes. The information contained in this website and our services are provided in good faith and on an "As is" and "as available" basis. The information is believed to be accurate and current as at the date the information was placed on the website or sent to you. Neither Market Insight nor any of its directors, officers or employees make any representation or warranties to the reliability, applicability or relevance to you of the information contained in this website and none of them accept responsibility in anyway (including negligence) for errors in, or omissions from, the information contained on this website, To the fullest extent permitted by applicable by law, Market Insight expressly disclaims all representations and warranties, whether including but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the website or any products or services advertised on the website will meet your requirements, or that our services will be provided uninterrupted, timely, secure or error free. These Terms and Conditions may be Varied These Terms and Conditions may be amended from time to time, the Terms and Conditions will become effective immediately. Methods of Enforcement Market Insight may use any legal remedy to maintain the services and ensure compliance with these terms and Conditions and termination of service or issuing of legal proceedings. If we believe you are in breach of the terms and conditions or the law, Market Insight may warn you by Email, post or fax and without notice suspend your access to its website and services. We may also notify and provide relevant information to any appropriate government agency or authority. Termination Your rights under these conditions may be terminated at any time by Market Insight by email post or fax. All terms and Conditions, disclaimers and limitations of liability will still apply after termination. The material andIntellectual property on this website is protected by Australian copyright legislation Australian. Legal action will be taken against any person or company that breaches copy right by distributing informationor files contained within the Market Insight website with out prior consent. Product Disclosure Statements - PDS A Product Disclosure Statement - PDS is a document which describes a financial product or service, including the features, benefits, costs and risks associated with that product. The following web link provides you with access to PDS documents which are currently available electronically for products available through Halifax Investment Services LTD. http://www.halifaxonline.com.au/public_panel/legal/pds.php Client License Agreement I understand that there are risks involved in all forms of trading and investment. I understand that every effort has been made to ensure that the research, data, results and conclusions in the Analyst Insight Home Study Course, Workshops, Analyst Insight newsletters and educational articles are complete and accurate. I purchase the Analyst Insight Home Study Course, Workshops, Analyst Insight newsletters and educational articles on the understanding that no part of this information contains trading advice - either stated or implied and is for educational purposes only. Traders requiring such advice should contact a licensed advisor. Stockbrokers and Financial Planners are licensed advisors. I understand that neither Market Insight Pty Ltd, nor anyone involved in the production of this Course, Workshops, Analyst Insight newsletters and educational articles will be liable for any liability, loss or damage directly or indirectly caused, or believed to be caused, by this Course, Workshops, Analyst Insight Newsletters or educational articles. I understand that the Analyst Insight Home Study Course, Workshops or Analyst Insight newsletters has been sold to me on the clear understanding that it is for my exclusive use, and that I will take all reasonable steps to ensure that no other person has access to the Course, Workshop materials and Analyst Insight newsletters. Should I wish for someone else residing with me to have access to Analyst Insight Home Study Course, Workshop materials and Analyst Insight newsletters I will seek permission from Market Insight Pty Ltd. I understand that the conditions of this Client License Agreement remain in force if the Analyst Insight Home Study Course, or any Market Insight Pty Ltd product is cancelled or returned to Market Insight Pty Ltd under the terms of its Financial Services Guide - FSG. I also understand that traders, to be successful, must take full responsibility for their own actions. No portion of Analyst Insight Home Study Course, Workshop materials, Analyst Insight newsletters or educational articles may be copied, shared or taught in any form without the permission of Market Insight Pty Ltd. This includes all of the materials, including text, audio CDs, DVDs and charts. I Agree, I have read and understand the Client Agreement, terms and conditions, FSG, and Privacy Policy on the legal page of the www.marketinsight.com.au website. Please ensure you sign and post the Client Agreement form together with any payment, you can get it here.
	Market Insight Pty Ltd P.O. Box 216, Beachmere Qld 4510 Copyright © 2002 - 2008 Market Insight