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Agreements
Financial Services:
This Financial Services Guide (FSG) is an important document which we are required to provide to you as a condition of our Australian Financial Services Licence (AFSL). It contains information about: Pythagoras Investment Timing Index Michael Dee - CEO The services offered and their cost Any conflicts of interest which may impact the services How we deal with complaints if you are not satisfied with our services. Information about us Pythagoras Investment Timing Index holds its own Australian Financial Services Licence (431288) which has been issued by the Australian Securities and Investments Commission (ASIC). Pythagoras Investment Timing Index is substantially owned and managed by Michael Dee. As a licensee we are required to comply with the obligations of the Corporations Act and the conditions of our licence. This includes the need to have compensation arrangements in place with a Professional Indemnity insurer. What services do we provide? Pythagoras Investment Timing Index holds a licence to provide general advice services on the following financial products: securities, derivatives and foreign exchange contracts. These services are provided to both wholesale and retail clients. The Pythagoras Investment Timing Indexes are based on a new, revolutionary mathematical understanding of the stock market. They show that events are predictable from changes in Volatility. This leads to signals to buy and sell ahead of the stock market shifts! It’s a flexible subscriptions based program. The services will be delivered via the Pythagoras Investment Timing Index (www.pythagorasinvesting.com) website. Traditionally the stock market is analysed through events and once analysed and interpreted trading occurs. Every competitor takes a slice or slices of this known data or information, re-dissects it and offers it back to the market place as an aid. With on- going work and understanding, hopefully the person can use it to their advantage and increase their opportunity to invest and make money. The problems with this traditional analysis are - people are reacting to information which everyone is in possession of; prices change after the event; everyone is trading the same way – once the horse has bolted. Its circular – nothing new is known or created. This is where Pythagoras is different; we offer knowledge in advance of the event which gives a better return for less time, ie we are offering a lifestyle. Clients don’t have to keep abreast of the geopolitics, or be market savvy, and they don’t have to employ another adviser. Pythagoras clients get more time to enjoy their life. Michael Dee Michael Dee will provide these services to you as a director of Pythagoras Investment Timing Index. Trained in Accounting, Finance and Investment, Michael has spent his working life in the Finance Industry, specifically in wealth creation. He rose through various Industry positions, culminating with him holding a Senior Management role with Queensland Investment Corporation (QIC). In this role Michael was extremely successful through his innovative approach to investment. Within the Finance Industry, Michael is regarded as being technically strong, with a broad knowledge base. His approach has always been to challenge the status quo, always looking for the competitive edge to improve results. Michael has long been aware of the effect of geopolitics on investment returns, recognizing that they are a subterranean force acting upon results. He became interested in the use of geopolitics to predict what event would take place next and its effect upon the market. In doing this Michael realised what an imprecise science it was. When presented with the concept that predicting the timing of an event was more important than what the event was, he realized its significance and in order to pursue this line of work he left QIC to set up on his own. Having established a successful boutique Funds Management company, Michael has worked tirelessly on developing a method of predicting changes in volatility in the market, with the resultant change in prices. This has been done using mathematical solutions, with all the complex work done electronically ‘behind the scenes’. Michael’s working life has led him to this point, using an innovative approach, challenging the status quo, all with a view to changing investment dynamics in both individuals and organisations. Subscription Fees All fees are payable to Pythagoras Investment Timing Index. Michael is paid a salary by Pythagoras Timing Index and shares in the profits of the business. Clients subscribe for 12 months to each stock at a cost of $100+gst per month. Discounts automatically apply from the third stock – with a maximum discount of 23% for incremental stocks. Conflicts of Interest Pythagoras Investment Timing Index is a specialist in providing direct equity advice. Michael Dee may provide advice on investments which he holds or may hold in his own personal portfolio. Michael will disclose the size and nature of his holdings where there may be a conflict of interest with the advice that he provides. Pythagoras Timing Index does not receive commissions or any other payments from third parties. It does not receive any benefits on the execution of the trading strategies it recommends. How the Service Works The Pythagoras Investment Timing Indexes are based on a new, revolutionary mathematical understanding of the stock market. They show that events are predictable from changes in Volatility. This leads to signals to buy and sell ahead of the stock market shifts! It’s a flexible subscriptions based program. The services will be delivered via email and the Pythagoras Investment Timing Index (www.pythagorasinvesting.com) website. Recommendations Once you have chosen the listed Australian Stocks to which you wish to subscribe, any recommendations will be sent to your nominated email account. The email will contain details of the buy or sell recommendation. Pythagoras will generally email a notification of any recommendations during the middle of the day to be acted on the same day. Buy Recommendations When recommending buys, some recommendations make use of a price range of 101%, 103% or 105% of the base recommendation price and some don’t. Where there is a price range, the top of the range is the maximum price you should pay. Where there is no upper price range the maximum price payable is the recommendation price. Our philosophy is that it is better to wait than overpay. There are several hours in which your buying can be executed – many clients use limit orders over the day to buy to make it simpler. Sell Recommendations There will be lengths of time in between buy and sell recommendations – indeed there may be several recommended buys before a sell. When the recommendation is to sell, we recommend selling immediately. There isn’t a minimum price – just a sell. Allocation of Capital We believe the best approach to capital allocation is to subscribe to three to five stocks from different sectors to bring diversification to your portfolio. With more stocks comes a greater overall success. Choosing 3 or more stocks lead to significant discounts. Commitment Subscriptions are for 12 months. Payments are made in advance - either pay 12 months in advance and receive a discount or pay monthly. When you subscribe, you are expected to pay on receipt of your invoice. If payment is not received, the subscription will end (under clause 10) and amounts owing will be pursued. To reinstate the service, full payment and an administrative fee will be required. Referral Fees and Commissions In some situations we may pay fees or commissions to external parties who have referred you to us. We will disclose the referral arrangements to you. Making a Complaint We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services then we encourage you to contact us. Please call us or put your complaint in writing to our office. If you are not satisfied with our response you can refer it to the Financial Ombudsman Service. You can contact FOS on 1300 780 808. This service is provided to you free of charge. Your Privacy We maintain a record of your personal information. If you wish to examine your file, you should ask us and we will make arrangements for you to do so. We will only disclose information about you: Where the law requires us to do so If you consent for us to do so. Pythagoras Timing Index has a privacy policy for your personal information. You can ask us for a copy if you would like further information. Disclaimer: The information in this document ("Information") is not intended to constitute advice. It is for general information only and does not take into account your individual objectives, financial situation or needs. You should assess whether the information is appropriate for you and seek professional financial advice before relying on or making investment decisions based on the Information. Investment products are subject to risk including the loss of income or capital invested. Past performance is not an indicator of future performance. Neither Pythagoras Investment Timing Index Pty Ltd ACN 147371113 (AFSL 431 238, its directors, employees and representatives (collectively, "Pythagoras") warrant the accuracy or completeness of the Information. To the extent permitted by law, Pythagoras disclaims all responsibility and liability for any loss or damage of any nature whatsoever which may be suffered by any person directly or indirectly
I have read and acknowledged the Financial Services Guide
Terms and Conditions:
Terms of Use This is a contract between you (“you”) the subscriber and Pythagoras Investment Timing Index Pty Ltd. Please read these terms carefully. Subscribing to the web based subscription service which provides general recommendations regarding securities is known as Pythagoras (“Service”). By and upon subscribing to the Service you are deemed to accept the terms set out below. These terms should be read in conjunction with the Financial Services Guide issued by Pythagoras Investment Timing Index Pty Ltd. If you do not accept the terms and conditions of this Agreement, then you must not subscribe to the Service and must immediately exit this site. How the Service Works The Pythagoras Investment Timing Indexes are based on a new, revolutionary mathematical understanding of the stock market. They show that events are predictable from changes in Volatility. This leads to signals to buy and sell ahead of the stock market shifts! It’s a flexible subscriptions based program. The services will be delivered via email and the Pythagoras Investment Timing Index (www.pythagorasinvesting.com) website. Recommendations Once you have chosen the listed Australian Stocks to which you wish to subscribe, any recommendations will be sent to your nominated email account. The email will contain details of the buy or sell recommendation. Pythagoras will generally email a notification of any recommendations during the middle of the day to be acted on the same day. Buy Recommendations When recommending buys, some recommendations make use of a price range of 101%, 103% or 105% of the base recommendation price and some don’t. Where there is a price range, the top of the range is the maximum price you should pay. Where there is no upper price range the maximum price payable is the recommendation price. Our philosophy is that it is better to wait than overpay. There are several hours in which your buying can be executed – many clients use limit orders over the day to buy to make it simpler. Sell Recommendations There will be lengths of time in between buy and sell recommendations – indeed there may be several recommended buys before a sell. When the recommendation is to sell, we recommend selling immediately. There isn’t a minimum price – just a sell. Allocation of Capital We believe the best approach to capital allocation is to subscribe to three to five stocks from different sectors to bring diversification to your portfolio. With more stocks comes a greater overall success. Choosing 3 or more stocks lead to significant discounts. Commitment Subscriptions are for 12 months. Payments are made in advance - either pay 12 months in advance and receive a discount or pay monthly. When you subscribe, you are expected to pay on receipt of your invoice. If payment is not received, the subscription will end (under clause 10) and amounts owing will be pursued. To reinstate the service, full payment and an administrative fee will be required. Each subscriber is granted access to the service on good faith whilst their payments are up-to-date however Pythagoras Investment Timing Index Pty Ltd reserves the right to render invalid any subscription where an officer believes a member in breach of the Terms and Conditions. TERMS & CONDITIONS 1. Definitions In this Agreement, the following terms have the following meanings:- Pythagoras. Means: Pythagoras Investment Timing Index Pty Ltd ABN 88 147 371 113, Corporate Authorised Representative of AFSL 431 288 and includes (without limitation) all of the directors, shareholders, employees and agents of that company. Confidential Information. Means all trade secrets, ideas, knowhow, concepts and information whether in writing or otherwise relating in any way to the Service, and the information provided by or associated with the Service. Copyright & Disclaimer Notice. Means the copyright and disclaimer notice provided which is set out at the end of these terms. Intellectual Property Rights. Means any and all intellectual and industrial protection rights throughout the world in respect of the Service, the Manuals and the underlining materials including rights in respect of or in connection with:- Any Confidential Information; and Copyright (including future copyright and rights in the nature of or analogist to copyright), whether or not now existing, and whether or not registered or registrable and includes any right to apply for the registration of such rights, and includes all renewals and extensions. Manuals. Means any user manuals, instructions, help files or any other document or information similar to a user manual. Site. Means the website www.pythagorasinvesting.com and/or any other website from which the Service is generated or with which the Service is associated. Termination. Means the ending of this Agreement, whether by expiration of the term of this Agreement, or by way of the operation of Clause 10. Underlying Materials. Means all material embodied in the Service and Manuals, including but not limited to sound recording, musical works, literary works (including software), artistic works, patents, designs and Trade Marks. 2. Licence Upon subscribing to the Service, Pythagoras grants you a single user, non-exclusive, non-transferable licence (“Licence”) to use the Service for the term of the subscription. 3. Service personal to subscriber Only you are permitted to use the Service. It must not be used by any person other than you. 4. Restrictions of Use You must not, nor attempt to:- 1) Copy or reproduce part or all of the Service; or 2) Copy, modify, adapt or reproduce part or all of the Manuals; 3) Use the information provided by the Service or on the Site other than as permitted or directed by Pythagoras; 4) Disclose your user name and password to any other person; 5) Link the Site to any other site without Pythagoras ’s prior written consent; 6) Loan, lend, lease or transfer the Service or any information provided by the Service to any person; or 7) Allow any third party to do any of the acts referred to above. 5. Intellectual Property Rights 1) The Service and the Site are owned by Pythagoras and Pythagoras retains all of the Intellectual Property Rights. These terms do not grant you any rights in respect of the Intellectual Property Rights. 2) You must not do, or permit the doing of, any act which infringes the Intellectual Property Rights. 6. Exclusion of Warranties Pythagoras does not warrant that either the Service or the Site is error free, and you acknowledge that the existence of any such errors do not constitute a breach of this Agreement. Pythagoras makes no warranty as to the accuracy of the Service or the Site, or any information provided with or through the Service or the Site. To the extent permitted by law, Pythagoras excludes all statutory warranties and implied terms (“implied warranties”), however, if any implied warranties do apply to these terms, then Pythagoras limits its liability in respect of a breach of an implied warranty to the maximum extent permitted by law. 7. Liability You agree that, other than to the extent specified in Clause 6 above, Pythagoras will not be liable to you for any loss or damage (including consequential or incidental loss or damage including but not limited to lost property or of profit, business, revenue or anticipated savings) however caused (whether by Pythagoras ’s negligence or otherwise) including any loss or damage caused directly or indirectly out of the use of this Service or the Site by you or any person other than you. 8. Your Equipment You acknowledge that to use the Service and the Site you must:- 1) take into account the information set out in the Financial Services Guide and any Manuals; 2) provide and use your own computer software and hardware; 3) arrange for the Service to be useable on your hardware, and integrated with your own software; and 4) use the Service only in the manner suggested on the Site; 5) and you acknowledge that Pythagoras has no responsibility to do or assist you to do any or all of these things. 9. Term of This Agreement Subject to Clause 10, these terms apply from the date that you subscribe to the service and shall continue to apply for so long as you continue to be a paid up subscriber of the Service. 30 days before the end of your 12 month expiry an email will be sent to you offering a range of alternatives. A choice can be made in your Profile. Where no choice is made your agreement will be extended on the same terms for an additional 12 months with any price adjustment applied. 10. Termination Pythagoras may terminate your subscription to the Service and block your access to the Site at anytime by giving you written notice (effective immediately) if you breach any of these terms. No subscription fees will be refunded. 11. No Assignment You must not assign nor sub-licence any of your rights to use the Service or the Site or your obligations under these terms to any person without Pythagoras ’s prior written consent which may be given or withheld in Pythagoras ’s absolute discretion. Disclaimer The Copyright and Disclaimer Notice is specifically incorporated into this Agreement and forms part of this Agreement. By accepting this Agreement, you acknowledge receipt of the Copyright and Disclaimer Notice and agree that you have read it, understood it and abide by its terms. The Copyright and Disclaimer Notice is below. Governing Law This Agreement is governed by the laws of the State of Victoria, Australia. Copyright & Disclaimer Notice For the web based subscription service providing general recommendations regarding of securities, known as Pythagoras (“Service”) and operating from www.pythagorasinvesting.com (“Site”) Copyright Notice © 2017 Pythagoras Investment Timing Index Pty Ltd ABN 88 147 371 113. All rights reserved. The copyright in this Service and all of the information forming part of this Service (whether displayed on the Site or made available by other means) is owned by Pythagoras Investment Timing Index Pty Ltd and are valuable trade secrets of Pythagoras Investment Timing Index Pty Ltd. Apart from as permitted by the Copyright Act, no part may be reproduced by any process without the written permission of Pythagoras Investment Timing Index Pty Ltd. Disclaimer Notice Pythagoras Investment Timing Index Pty Ltd (“Pythagoras”) ABN 88 147 371 113 is a Corporate Authorised Representative of AFSL 431288 and is authorised to provide general financial product advice to retail and wholesale clients in relation to securities. No information supplied through this Service is intended to be ‘personal’ advice within the meaning of the Corporations Act 2001. All subscribers to the Service (including any person not authorised to use the Service) hereby acknowledges that: 1. The applications of the Service are limited. 2. Pythagoras does not know and will not know any one or more of your personal objectives, needs or financial circumstances. 3. The Website Terms & Conditions of Use and Financial Services Guide have been made available to the subscriber. For these reasons, subscribers should seek professional investment advice and check the currency of information provided before acting on any investment decision. To the maximum extent permitted by law, none of Pythagoras, its officers or employees: make any representation or warranty, express or implied, as to the accuracy, completeness, reasonableness or reliability of the information contained in the Service or on the Site; (except as required by law) accept liability, jointly or severally, for loss (including consequential loss) or expense of any nature (“Loss”) arising directly or indirectly from the use of or reliance on the Service or any information derived from the Service including in all cases, without limitation, any Loss arising (in part or in full) from the negligence of any person. Subscribers to the service must rely on their own investigation, analysis and interpretation in determining the correct application of the information contained in or generated by the service to the particular financial situation and individual objectives, needs and circumstances of the subscriber or any other person or entity. This product is intended as general advice only and is not a substitute for professional advice.
I have read and agree to the Terms and Conditions
Privacy Statement:
YOUR PRIVACY At pythagorasinvesting.com, we are committed to protecting your privacy as an online visitor to our website. We use the information we collect about you to maximise the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the Australian Privacy Principles. Please read our privacy policy below carefully. You may change your details at any time by advising us in writing via email. All information we receive from our customers is protected by our secure server. Entries within the Pythagoras data base ("the Data Base") will be directly marketed to as a means to generate sales, and gather useful market information. This will involve an active marketing campaign with special offers made to the data base. There are four kinds of entries within the Database ("Entry Status"): Prospect Registrant Subscriber Former Subscriber Recently changes were made to the type of information collected from incoming Prospects to the website, and responders to various online advertising initiatives. We now capture the following detail: First name Last name Email address Telephone number The following is how we intend to market to the data base. Periodic Investor Updates via email Periodic emails updating prospects on new products and services offered by Pythagoras. We will send a survey to the data base trying to find out what the Prospects are looking for as it pertains to financial products, lifestyle, and other service. Our sales/telemarketing team will make direct sales telephone calls with the objective of achieving sales. The different objectives are: Calling existing Pythagoras Subscribers to secure re-subscriptions Calling leads generated from the website and online advertising to sell Pythagoras products Calling past subscribers with the objective of re selling subscriptions. By submitting your name and contact details to this site you agree to aforementioned marketing and sales initiatives. Security and Quality of Personal Financial Information At Pythagoras we consider the security of your information to be of paramount importance. We have implemented security measures designed to provide the peace of mind you should expect when purchasing goods over the internet. In order to properly process subscriptions, Pythagoras collect email address, full name, and billing address. Credit card information is not collected. We have taken security measures, consistent with international information practices, to protect your personal information. These measures include technical and procedural steps to protect your data from misuse, unauthorized access or disclosure, loss, alteration, or destruction. Please note that while Pythagoras uses its best endeavours to protect all such information at all times, we cannot be responsible for unauthorised access to the information. Cookies A cookie is a small file placed in your web browser that collects information about your web browsing behaviour. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any personal information (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website. Our website uses cookies to analyse website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google Adwords. These ads may appear on this website or other websites you visit. Disclosure of Your Information We may from time to time need to disclose certain information, which may include your Personal Data, to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request. Also, we may use your Personal Data to protect the rights, property or safety of pythagorasinvesting.com, our customers or third parties. If there is a change of control in one of our businesses (whether by merger, sale, transfer of assets or otherwise) customer information, which may include your Personal Data, could be disclosed to a potential purchaser under a confidentiality agreement. We would only disclose your information in good faith and where required by any of the above circumstances. Third Parties We do not and will not sell or deal in personal or customer information. We will never disclose your personal details to a third party except the necessary information required by providers of products or services you have purchased or to protect the rights, property or safety of pythagorasinvesting.com, our customers or third parties or if required by law. We may however use in a general sense without any reference to your name, your information to create marketing statistics, identify user demands and to assist it in meeting customer needs generally. In addition, we may use the information that you provide to improve our website and services but not for any other use. Security We strive to ensure the security, integrity and privacy of personal information submitted to our website, and we periodically update our security measures in light of current technologies. Links This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website. Change in Privacy Policy As we plan to ensure our privacy policy remains current, this policy is subject to change. We may modify this policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on this website. Please return periodically to review our privacy policy. If you have any questions or concerns at any time about our privacy policy or the use of your personal information, please contact us at ceo@pythagorasinvesting.com and we will respond within 48 hours.
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