AU
CA
NZ
UK
US
IND
Kalkine Pty Limited ABN 34 154 808 312 (“Kalkine”, “we”, “us” and “our”) owns and operates this website www.kalkine.com.au (“Website”) and our related mobile or software application (“App”). Kalkine holds an Australian Financial Services Licence (No. 425376). Access to and use of this Website, our App and the products and services available through our Website and App (collectively “Services”) is subject to the following terms and conditions (“Terms of Use”). By using the Services, you are agreeing to all of the Terms of Use, as may be updated by us from time to time. You should check this page regularly to take notice of any changes we may have made to the Terms of Use.
We may amend these Terms of Use from time to time. Where the amendment may be to your detriment, we will provide all Kalkine account holders with at least 30 days’ notice by sending a copy or link to the amended Terms of Use via email.
We will use reasonable efforts to ensure the Services are available. We will notify you in advance where we expect the Services to be unavailable due to scheduled maintenance or any other foreseeable event. If the Services are unavailable for a prolonged period during your prepaid subscription term due to reasons within our control, you may request a prorata refund or service credit.
Our Website or App may contain links to other websites (“Linked Sites”), which are not operated by Kalkine. We have no control over the Linked Sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Your use of the Linked Sites will be subject to the terms of use of each such site.
Our Privacy Policy, which sets out how we will collect and use your personal information, is available at [https://kalkine.com.au/cms/privacy-policy]. Information about how you may access or correct your personal information or make a privacy-related complaint is detailed in our Privacy Policy.
(a)You must not misuse our Website or App. You must not:
(b) Subject to clause 5(c), we will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, mobile device, mobile software, data or other proprietary material due to your use of our Website or App or due to your downloading of any material posted on them, or on any Linked Sites.
(c) Nothing in this clause purports to remove Kalkine’s liability for fraud, willful misconduct, gross negligence, unlawful conduct or any other liability which cannot be excluded or limited under Australian Consumer Law or the ASIC Act.
(a) If you wish to subscribe to our reports or model portfolios, you will need to become a subscriber by creating an account and paying the relevant subscription fee.
(b) You are responsible for maintaining the confidentiality and security of your account login and password. Unless you notify Kalkine that your password has been compromised, Kalkine will be entitled to assume that all activity connected to your account has been conducted by you.
(c) We do not recommend sharing your login or password details with anybody else. Where you do so, however, you will be responsible and liable for all actions of people using your account.
(d) We reserve the right to amend the security procedures for access to the Services at any time.
(e) We reserve the right to review and alter our prices for the subscriptions at any time. Any such price changes will not affect existing prepaid subscriptions.
(f) Each subscription fee must be paid in full prior to starting the subscription period, unless a different payment schedule is mutually agreed between parties. In certain cases, we may agree to accept part-payment or a staggered installment plan on terms as mutually agreed with you. Any such arrangement will not limit or exclude your rights or remedies under the Australian Consumer Law or any other law that cannot be excluded.
(g) There is a cooling off period of ten (10) business days to cancel the subscription, starting from the date the customer receives a copy of the invoice. This cooling off period is available to first time subscribers, existing subscribers purchasing new subscriptions, and past subscribers purchasing a new subscription after their previous subscription expired.
(h) Except as required by law, you will not be entitled to any refund of subscription fees after the 10 business day cooling off period has ended.
(i) Cancellations must be notified by calling Kalkine on (02) 90559490, in writing via email to [email protected] or via post to Kalkine Pty Ltd, PO Box H38, Australia Square NSW 1215.
(j) Nothing in these Terms of Use excludes, restricts or modifies any consumer rights under the Australian Consumer Law.
From time to time, Website and App may contain webinars presented by guest speakers (“Webinars”). Access to Webinars is subject to these Terms of Use.
The Webinars are provided on "as is" basis. The content presented by a guest speaker is the sole responsibility of that guest speaker. The content is not endorsed by Kalkine, and Kalkine cannot guarantee the accuracy or completeness of the content. Opinions and other statements expressed by a guest speaker are theirs alone and are not opinions of Kalkine.
Guest speakers are solely responsible for ensuring that all Webinar content is in compliance with all legal and regulatory requirements and does not contain any material which may be defamatory, obscene, threatening or untrue.
The information contained in the Webinars is general information only and should not be relied on as advice or a recommendation or the basis for making any specific investment, business, financial or commercial decision.
The intellectual property rights in all software and content made available to you on or through our Website and App remain the property of Kalkine or its licensors, and are protected by copyright and other intellectual property laws and treaties across the jurisdictions where Kalkine operates. All such rights are reserved by Kalkine and its licensors. You may store, print and display the content supplied solely for your own personal use. You are not permitted to publish, manipulate, distribute or otherwise reproduce, in any format, any of the content or copies of the content supplied to you or which appears on our Website or App, nor may you use any such content in connection with any business or commercial enterprise without obtaining prior written permission from Kalkine.
Kalkine is not authorised to, and does not, provide any personal advice to customers. The information and advice provided via the Services is general advice and information only and, in providing the information, Kalkine is not assuming a duty of care to you.
You should therefore consider whether the information is appropriate to your investment objectives, financial situation and needs before acting on it. You should seek advice from a financial adviser, stockbroker or other professional (including taxation and legal advice) as necessary before acting on any information provided via the Services. Not all investments are appropriate for all people.
In some cases, there may be a product disclosure statement or offer document for the securities and financial products we write about in our reports. You should obtain a copy of the product disclosure statement or offer document from the relevant product issuer before making any decision about whether to acquire that product or security.
The information available via the Services has been prepared from a wide variety of sources, which Kalkine, to the best of our knowledge and belief, considers accurate. All information represents our views as at the date of publication, and these views may change with the passage of time.
Please note that past performance is not a reliable indicator of future performance.
Our Financial Services Guide (“FSG”) contains important information about the Services provided by Kalkine. You must read our FSG and consider it in light of your own circumstances before acting on any general advice or information contained in the Services. Click here to read our FSG.
(a) Subject to clauses 11(c) and 11(d) below, Kalkine makes no warranty, guarantee or representation about:
(b) Subject to clauses 11(c) and 11(d) below, Kalkine, its directors, officers, employees, consultants, agents and affiliates are not liable for any loss or damage, including for any direct, indirect, special, consequential, punitive or incidental damages, or damages for loss of use, profits, data or other intangibles, and damage to goodwill or reputation, which you may directly or indirectly suffer in connection with or arising out of:
(c) Nothing in these Terms of Use purports to remove Kalkine’s liability for fraud, wilful misconduct, gross negligence, unlawful conduct or any other liability which cannot be excluded or limited under Australian Consumer Law or the ASIC Act. Nothing in these Terms of Use excludes, restricts or modifies any rights you have under the Australian Consumer Law or the ASIC Act.
(d) To the extent permitted by law and subject to clause 11(c), our aggregate liability to you in connection with the Services is limited to:
We may vary the Services by providing at least 30 days’ notice to all affected account holders. If the variation materially reduces the Services available to you during your current prepaid subscription term, you may cancel your subscription before the variation takes effect and receive a prorata refund.
We may suspend or terminate your account for material breach of these Terms of Use, after providing written notice, and a reasonable remedy period, to you. We may terminate your account immediately if the material breach involves fraud, wilful misconduct or unlawful conduct.
If we terminate your account other than for your material breach, we will provide a prorata refund of any prepaid subscription fees.
Any rights and licenses granted to you under these Terms of Use or the Services cannot be transferred or assigned to a third party without the prior written consent of Kalkine.
Kalkine may transfer or assign its rights and licenses under these Terms of Use and the Services to a third party without your consent after first taking steps to ensure that the transfer or assignment will not cause material detriment to you.
(a) If we fail to exercise or delay in exercising any right, power or remedy, we do not waive the right, power or remedy.
(b) If we do not act in relation to a breach by you of these Terms of Use, this does not waive our right to act with respect to that breach or subsequent or similar breaches.
If any provision of these Terms of Use is found to be illegal, invalid or unenforceable by a court of law in respect of a jurisdiction, then that provision will not apply in that jurisdiction and is deemed not to have been included in the Terms of Use in that jurisdiction. This will not affect the remaining provisions.
(a) These Terms of Use are governed by and construed in accordance with the law for the time being in force in New South Wales and you, by agreeing to these Terms of Use, are deemed to have submitted to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from those courts.
(b) Our Website and App may be accessible from outside of Australia. We make no representation that our Website and App comply with the laws (including intellectual property laws) of any country outside Australia. If you access our Website or App from outside Australia, you do so at your own risk and you are responsible for complying with the laws in the place where you access our Website or App.
Last Updated: 28 November 2025
Please wait processing your request...