1. Definitions

1.1  In these terms and conditions:
- “Customer” means the person named on the Customer Invoice;
- “Customer  Invoice”  means  the  invoice  received  from  info@smartchartsfx.com  upon payment of the Deposit or Programme Price
- “Data” includes contact details including name, email address and telephone number.
- “Digital  Content”  means  the  “Digital  Content”  accessed  via  SmartCharts.net  which  includes Learn the Basics and Learn Forex videos and training manuals.
- “Bonus  Events”  means  the  LTT  Bonus  2  Day  Workshop  and  Bonus  Live  Trading  Analysis Day as described at clause 5
- “Bonus Trading Mentoring Sessions” means 3 one-to-ones, 30 minute digital mentoring sessions on historical live trading with your assigned Trader Mentor
- “Enrollment Date” means the date on which you purchased the Programme;
- “Intellectual Property Rights” means patents, trademarks, copyrights, database rights, design rights, moral rights, goodwill, applications for registration of any of the foregoing and all rights of like nature arising or subsisting whether registered or unregistered;
- “LTT” “we”, “our” or “us” means Learn to Trade Pty Ltd or its agents.
- “LTT  Associates”  means  a  related  entity  to  LTT  as  that  term  is  defined  in  the  Corporations Act 2001 (Cth).
- “The  Group”  means  Learn  to  Trade  Pty  Ltd,  and  SmartCharts  Software  Pty  Ltd  and  their related companies.
- “LTT Partners”  means   Smart   Charts   Software   Pty   Ltd   and   The   Greg   Secker   Foundation.
- “Materials” means any materials (online or hard copy) created or distributed by LTT in connection with the Learn Forex Digital Programme or    Learn Forex Two Day Workshop and Bonus Live Trading Analysis Day
- “Programme  Price”  means  the  fees  for  the  Learn Forex Digital Programme and SmartCharts Subscription as set out on the Customer’s Invoice;
- “Payment  Plan”  means  any  payment  plan  identified  as  such  and  agreed  in  the  Customer’s Invoice with respect to when You will pay the Programme Price.
- “Privacy and Data Protection Requirements” means all applicable laws and regulations relating to the processing of personal data and privacy including but not limited to the Australian Privacy Principles under the Privacy Act 1988 (Cth) as amended.
- “Recommended Broker” – Sirius Financial Markets Pty Ltd (ABN 36 142 189 384: AFSL No. 439907) trading as Forex CFDs and/or other brokers recommended by LTT from time to time;
- “Recordings” include still images, video and audio recordings;
- “SC” means SmartCharts Software Pty Ltd (ABN 62602459414), a company registered in Australia, a subsidiary of Knowledge to Action Holdings Ltd (UK).
- “SmartCharts”means  the  software  program  known  as  such  as  released  by  SC  from  time to time.
- “SmartCharts Subscription” means the ongoing subscription to SmartCharts charged monthly  at  $149  Australian  dollars  as  described  on  the  Customer’s  Monthly  invoice, and subject to separate terms and conditions issued to You directly by SmartCharts;
- “Start  Date”  means  the  first  date  on  which  you  sign  into  the  Learn  Forex  Digital  programme via login.smartcharts.net.
1.2  Clause  and  paragraph  headings  shall  not  affect  the  interpretation  of  these  Terms  &  Conditions.

2. Price and Payment

2.1  A  minimum  deposit  of  $1,000  is  payable  on  your  Enrollment  Date.  Any  remaining  balance of the Programme Price is payable as set out on your Customer Invoice;
2.2  By entering into these Terms & Conditions, whether physically or by agreeing online,you authorize us to debit the initial payment from the credit or debit card specified on the Customer Invoice.
2.3  You authorize us to debit any remaining balance on the date agreed on your Customer Invoice.
2.4  In the event that payment fails on the date agreed, you authorize us to attempt to debit the outstanding amount each month on the originally agreed day until the outstanding amount has been paid in full.
2.5  If you fail to pay the Programme Price in accordance with these Terms & Conditions, we reserve the right to pass your account to a 3rd party collections agency

3. Term and Termination

3.1  Your  access  to  the  Learn Forex Digital Programme will  be  available  when  the  Programme Price is paid in full and your SmartCharts Subscription is paid up.The Learn Forex Digital Programme is accessible whilst your SmartCharts Subscription remains active.   If   you   cancel   your   SmartCharts   Subscription,   the   Learn   Forex   Digital   Programme content will remain accessible for a further 30 days until your SmartCharts Subscription expires, however, subject to Clause 4 you will not be entitled to a refund of the Programme Price.
3.2  SmartCharts Subscriptions shall automatically renew for subsequent terms equal to the initial   subscription   term   unless   terminated   in   accordance   with   these   Terms   &   Conditions.

4. Cooling-off Period and Cancellation

4.1  Subject to Clause 4.3 and 4.4 You may cancel these Terms & Conditions on or before the  14th  Day  from  your  Enrolment  Date  (the  “Cancellation  Period”)  by  e-mailing enrolment@smartchartsfx.com  with  the  subject  ‘Learn  Forex  Digital  Programme Cancellation’.
4.2  If you cancel within this fourteen-day period, your Programme Price, after the deduction of your first month SmartCharts Subscription, will be refunded to you in full save as set forth in clause 4.4.
4.3  You  acknowledge  and agree  that  the  Learn  Forex  Digital  Programme  for  which  the  Programme Price is paid contains Digital Content and that You will be deemed to have downloaded such Digital Content on your initial login into login.smartcharts.net
4.4  You acknowledge and agree that following downloading of any of the Digital Content all amounts you have paid towards the Programme Price will thereafter become non-refundable  and  You  will  lose  any  right  You  may  have  had  to  cancel  these  Terms  &  Conditions and to claim a refund.
4.5  Cancellation or termination of these Terms & Conditions shall be without prejudice to any rights which have accrued prior to such date. The rights and obligations contained in clauses 1, 7, 8, 9, 10, 11 and 13 shall survive any termination or cancellation.
4.6  You may cancel your SmartCharts Subscription by giving SC notice of cancellation 30 days prior to the renewal date in writing to enrolment@smartchartsfx.com

5. Bonus Events

5.1  Bonus Events will be delivered online;
5.2  LTT reserves the right to make reasonable alterations to the presenter, date, time for Bonus Events. LTT shall provide You with reasonable notice of any such alteration
5.3  LTT reserves the right to alter the structure and content of a Bonus Events or to cancel a Bonus Event at its discretion without liability to You.
5.4  LTT reserves the right at its discretion to exclude You from the Learn Forex Two Day Workshop   or   any   part   thereof)   for   any   reason   LTT   deem   appropriate   (acting   reasonably).
5.5  To  attend  the  Learn  Forex  Two Day  Bonus  Workshop you  must  have  an  active  SmartCharts Subscription.
5.6  You  have  4  weeks  from  Your  Start  Date  to  attend  the  Learn  Forex  Two  Day  Bonus Workshop.
5.7  You  have  6  weeks  from  Your  Start Date  to  book  and  complete  your Bonus  Trading Mentoring sessions.
5.8  Your Bonus Trading Mentoring Sessions are bookable via the Smart Charts Platform. To book your Bonus Trading Mentoring you must share a live trading journal showing your historical live trades with your Trader Mentor.
5.9  Attendance at the Bonus Live Trading Analysis Day is conditional on:
(a)  The reservations in this clause 
(b)  You  opening  a  foreign  exchange  trading  account  with  the  Recommended  Broker,  which  is  subject  to  the  Recommended  Broker’s account  opening requirements which is outside of LTT’s control.

6. LTT Confidentiality

6.1  You must not  disclose  to  any  person,  use  or  copy  any  confidential  information  concerning  the  business,  affairs,  customers,  clients  or  suppliers  of  LTT  or  an  LTT  Associate (including  information  learnt  and  all  Materials)  except  where  it  may  be  required by law, court order or any governmental or regulatory authority or agreed in writing with LTT in advance of such disclosure.
6.2  This clause 6 shall not apply in relation to any information that is or becomes generally available  to  the  public  (save  by  breach  of  any  duty  of  confidence)  or  in  respect  of information which the parties agree in writing is not confidential or may be disclosed

7. Intellectual Property

LTT  shall  have  sole  title  and  ownership  of  all  Intellectual  Property  Rights  in  the  Materials and Recordings created in the provision of any of our services. LTT grants You  a  right  to  use  the  Materials  solely  for  the  purpose  of  You  participating  in  the  Learn Forex Digital Programme or a Bonus Event.

8. Liability

8.1  LTT shall not be in breach of these Terms & Conditions nor liable to You for delay in performing, or failure to perform any of its obligations under these Terms & Conditions if  such  delay  or  failure  results  from  events,  circumstances  or  causes  beyond  LTT’s reasonable  control  (including  but  not  limited  to  war,  terror  attack,  civil  war,  industrial  action   or   strike,   failure   of   transport   network,   pandemic,   fire   explosion,   flood,   earthquake, nuclear, chemical or biological contamination or compliance with any law or regulation) and in such circumstance LTT shall be entitled to a reasonable extension of the time for performing such obligations.
8.2  LTT shall  not  be  liable  to  You  or  any  other  third  parties,  in  contract,  tort  (including  negligence), misrepresentation or otherwise arising in connection with these Terms & Conditions,  for  any  loss  or  damage  (including,  without  limitation,  damage  for  loss  of  business or loss of profits or anticipated savings) arising directly or indirectly from your use  of  the  Materials,  or  which  in  any  event  was  not  caused  by  any  breach of these Terms & Conditions by LTT.
8.3  To the extent not prohibited by law, the total liability of LTT in contract, tort (including negligence), misrepresentation or otherwise arising in connection with these Terms & Conditions shall be limited to the Programme Price paid by You.
8.4  The terms of these Terms & Conditions do not affect your statutory rights.
8.5  Nothing  in  these  Terms  &  Conditions  shall  exclude or  limit  our  liability  for  fraud  or  fraudulent misrepresentation

9. Warranties and Acknowledgement

9.1  LTT warrants that it will provide its services with reasonable skill and care. All implied warranties and conditions are hereby excluded to the fullest extent of permitted by law.
9.2  These  Terms  &  Conditions  constitute  the  whole  agreement  between  the  parties  and  supersedes all previous agreements between the parties relating to this subject matter. Each  party  acknowledges  that  in  entering  into  these  Terms  &  Conditions,  it  has  not  relied on and shall have no right or remedy in respect of any statement, representation (save  for  any  fraudulent  misrepresentation)  assurance  or  warranty  (whether  made  negligently or innocently) other than as expressly set out in these Terms & Conditions.
9.3  These Terms & Conditions shall not be amended (other than to allow for variations to reflect  changes  in  the  law,  meet  regulatory  requirements  or  reflect  new  industry  guidance and code of practice) unless agreed by LTT in writing.
9.4  You  acknowledge  that  LTT is  not  providing  You  with  broking  services  or  investment  advice and that neither LTT nor LTT Associates have represented to You that a profit can be made from any investment activity whatsoever. Any investment examples cited by LTT and LTT Associates are for illustration and education purposes only and are not to be relied upon as recommendations. Any decision to invest in any financial or investment product is made solely by You, and You acknowledge that neither LTT nor LTT  Associates  have  any liability  to  you  in  respect  of  any  such  activities  or  the  consequences  thereof.  You  should  obtain  personal  advice  from  a  licensed financial adviser regarding the  suitability  of  such  activities  for  you  should  You  wish  to  make  investments.

10. Release for Recordings and Marketing

10.1  During the Learn Forex Digital Programme and Bonus Events, LTT reserves the right to make Recordings and You may be included in those Recordings. No payment will be made to you for the use of the Recordings.
10.2  You shall have no claim, right or interest in relation to the Recordings, which You agree we may use in whole or in part, in any medium, as part of our business, including, but not limited to use in the Materials.
10.3  Nothing herein will constitute any obligation on us to make any use of the Recordings.
10.4  You may not make any Recordings during the Learn Forex Three Day Workshop and Bonus Live Trading Analysis Day.

11. Miscellaneous

11.1  These Terms & Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of New South Wales. The parties irrevocably agree that the  courts  of  New  South  Wales,  shall  have  the  exclusive  jurisdiction  to  settle  any  dispute or claim arising under or in connection with these Terms & Conditions.
11.2  These  Terms  &  Conditions  are  personal  to  you.  You  may  not  assign, transfer,  sub-contract or deal in any other manner with any or all of the rights and obligations under these Terms & Conditions without the prior written consent of LTT
11.3  No failure or delay by either party in exercising any of its rights under these Terms & Conditions shall be deemed to be a waiver of that right and no waiver by either party of any breach shall be a waiver of any subsequent breach.
11.4  If any provision of these Terms & Conditions is held by any court or other competent authority to  be  invalid  or  unenforceable  in  whole  or  in  part,  the  validity  of  the  other  provisions of these Terms & Conditions and the remainder of the provision in question  shall not be affected
11.5  Risk  Warning:  The  services  which  you  may  access  from  market  makers  include  products  that  are  traded  on  margin  and  carry  a  risk  of  losses  in  excess  of  your  deposited funds. The products may not be suitable for all investors. Please ensure that you  fully  understand  the  risks  involved and  read  the  relevant  product  disclosure  statement  (PDS),  Target  market  Determination  (“TMD”)  and  Recommended  Broker client agreements.
11.6  Target Market Determination ("TMD") Warning:  You acknowledge that market makers must assess their prospective clients' suitability for products in line with the TMDs they publish before opening  margin FX and CFD trading accounts ("brokerage accounts") and LTT must take reasonable steps to ensure such criteria is met when  referring You to them.  Therefore, please confirm that by entering into these Terms & Conditions you also agree that should you open a brokerage account –
a.   You are above the age of 18;
b.   You will have the required knowledge for the purposes of trading in CFDs;
c.   You are seeking to explore trading opportunities from rising or falling markets in your account;
d.   You will have high investment risk tolerance in your account including the capacity to lose all your deposits;
e.   you will prefer a short to medium term investment horizon for your account.

12. Data Protection

12.1  We  are  committed  to  ensuring  we  treat  personal  information  lawfully  and  place  high  importance on the correct, lawful, and fair handling of all personal data, respecting the legal  rights,  privacy,  and  trust  of  all  individuals  with  whom  it  deals.  By  entering  into  these  Terms  &  Conditions  you  agree  to  provide  us  with  such  information  as  we  reasonably request from time to time to enable us to comply with applicable Australian privacy laws.
12.2  The Group works closely together to deliver you the best possible service under the terms of these Terms & Conditions. In order to deliver this service to you and for you to get the most from the Programme we deem it is a legitimate interest to share your information with the Group Companies.
12.3  By entering into these Terms & Conditions you acknowledge that LTT shares your Data with the Group.
12.4  You  authorize LTT to  send  your  contact  details  onto  LTT  Partners and  to  the  Recommended Broker. If You do not wish for your contact details to be forwarded on, please contact enrolment@smartchartsfx.com.

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 General Advice Warning

 Learn to Trade Pty Ltd (ABN:98 138178542, AFSL:339557) provides general information and educational courses and materials only. This is not an offer to buy/sell financial products. We do not provide personal advice, nor do we consider the needs, objectives or circumstances of any individual. Financial products are complex and all entail risk of loss. Over-the-counter derivative and foreign exchange products are considered speculative because they are highly leveraged and carry risk of loss beyond your initial investment, hence should only be traded with capital you can afford to lose. Please ensure you obtain professional advice to ensure trading or investing in any financial products is suitable for your circumstances, and ensure you obtain, read and understand any applicable offer document including the target market determination.

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