In these Conditions of Use, the Challenger public site, the Challenger InvestorOnline site and the Challenger AdviserOnline site are collectively referred to as the 'Challenger Websites'. The Challenger Facebook page, the Challenger Instagram page and the Challenger LinkedIn page are referred to as the ‘Challenger social media pages’. Challenger Limited and its subsidiaries, are collectively referred to as 'Challenger'.
These Conditions of Use, together with any other terms, notices or disclaimers contained elsewhere on the Challenger Websites, govern the supply of material on, use of and access to the Challenger Websites.
By accessing the Challenger Websites and Challenger social media pages, you agree to be bound by these Conditions of Use and any modifications, from time to time, of them. We recommend you read them before registering for InvestorOnline or AdviserOnline. Please notify us if you wish us to disable your access to InvestorOnline by calling our Investor Services team on 13 35 66 during business hours.
Information provided on the Challenger Websites:
The Challenger public website has various sections, intended for different types of users. The Adviser section is intended for adviser use only and the Institutional section is intended for institutional investors. These sections are not intended for retail clients and should not be used as a basis for making a financial decision.
Challenger does not guarantee the accuracy, adequacy or completeness of information on the Challenger Websites or that those websites are otherwise free from error, omission or other defect. Challenger reserves the right to change any information provided on Challenger Websites without notice.
Challenger does not guarantee that your use of the Challenger Websites will be uninterrupted, timely or secure.
Unless otherwise specified, all references to currency are to Australian dollars.
Each Challenger product has its own unique features and risks (which include possible loss of money invested and fluctuating investment returns). These particular features and risks are set out in the relevant Product Disclosure Statement (PDS) or other offer document (as the case may be). Each financial product Target Market Determination (TMD) sets out the class of investors for whom a product, including its key attributes, would likely be consistent with their likely objectives, financial situation and needs. You should always consider whether or not a particular Challenger product is appropriate for you in light of your particular needs, objectives and financial circumstances. In particular, you should:
All such PDSs or offer documents and TMD are available free of charge on this website or by contacting your financial adviser or Challenger by calling our Investor Services team on 13 35 66 or visiting our website www.challenger.com.au.
All offers for Challenger products are contained in the relevant PDS or other offer document (as the case may be) and not on the Challenger Websites. All applications for Challenger products, unless otherwise expressly stated in the applicable PDS or offer document, must be made by Australian residents only and must be made using an application form attached to or accompanying the current PDS or other offer document relevant to that product.
Not all products and services referred to on the Challenger Websites are issued or provided by the same Challenger entity. Offers are made by the relevant product issuer, which will be a member of the Challenger Limited Group. The product issuer is identified in the PDS, other offer document and TMDs for each Challenger product. All statements made in relation to a particular Challenger product or class of Challenger products on the Challenger Websites are made by the issuer of that Challenger product(s).
All rights in the various indices appearing on the Challenger Websites vest in the relevant index providers. Challenger products are not sponsored, endorsed, issued, sold or promoted by the relevant index providers. No such index provider makes any representation regarding the advisability of investing in any Challenger product(s).
You warrant that when accessing and using the Challenger Websites you will not use any website for any purpose that is unlawful or prohibited by these conditions of use or any other term, notice or disclaimer appearing on the Challenger Websites. You also agree to not use the Challenger Websites in any way that interferes with other users.
You agree to not breach or circumvent, or attempt to breach or circumvent, any security measures on the Challenger Websites (including 'hacking' those websites) or attempt to obtain access to secure or member parts of the Challenger Websites without authorisation.
Challenger retains the right to monitor your use of the Challenger Websites and suspend or cancel further access at any time in its discretion.
The material on the Challenger Websites is protected by copyright. You may only use this material for your own personal reference. You must not otherwise use, reproduce, publish, modify, distribute, link, frame, transmit in any form or by any means, electronic or mechanical, for any purpose, any of the material on the Challenger Websites, except with the prior written permission of Challenger.
Trademarks used on the Challenger Websites are the property of Challenger or third parties with which Challenger has an association. You must not use a trade mark used on the Challenger Websites without the prior written consent of the owner of that trade mark.
Challenger grants users of Challenger Websites (included, but not limited to, investors and financial advisers) a non-transferable licence in relation to the Challenger Websites, including any files, images, tables and data incorporated in or generated by the software, and the data accompanying the software (collectively the 'software') necessary for the purposes of your use of the Challenger Websites. Challenger may decide to incorporate a fee for use of the software, which may be advised from time to time.
The Challenger Websites may contain hyperlinks and other pointers to websites operated by third parties and information given by a third party regarding their purpose, function and service (Information). These linked websites are not under Challenger's control, and Challenger is not responsible for the contents of any linked website or any hyperlink contained in a linked website and the content of any Information provided on the Challenger Website. Challenger provides these hyperlinks and Information as a convenience only, and the inclusion of any link and Information does not imply any endorsement of the linked website or third party by Challenger. You agree to access any such third party website entirely at your own risk.
You agree that your use of the Challenger Websites and reliance on any information contained on those Websites is entirely at your own risk. To the extent permitted by law, Challenger excludes all liability for any loss or damage (including indirect or consequential loss or damage) you or any other person suffers in connection with your use of the Challenger Websites, including your reliance on any information contained on the Challenger Websites.
Challenger's liability for breach of any warranty or condition implied by law that cannot be excluded is limited, at Challenger's option, to:
in the case of services supplied or offered by Challenger:
in the case of goods supplied or offered by Challenger:
These Conditions of Use and other terms, notices and disclaimers appearing on the Challenger Websites are governed by the law in force in the state of New South Wales. You agree to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these online conditions of use.
Access to Challenger's AdviserOnline and InvestorOnline are subject to the Challenger website general conditions of use, and by accessing AdviserOnline or InvestorOnline you agree to be bound by both the general conditions of use as well as these Conditions of Access, as well as any modifications of them. In these Conditions of Access, Challenger Limited and its subsidiaries, are collectively referred to as 'Challenger'.
The security arrangements for AdviserOnline and InvestorOnline provide that they may only be accessed by authorised advisers or investors in Challenger. Accordingly, by accessing AdviserOnline or InvestorOnline, you agree:
In relation to personal information and access details, you agree:
If you are an adviser, you also agree:
Challenger takes all reasonable steps to protect the personal information held about you and/or your clients from misuse and loss and from unauthorised access, modification or disclosure. In connection with this, AdviserOnline and InvestorOnline have incorporated a number of physical and technological features to ensure the security of the information accessed, these features being the subject of ongoing independent reviews and audit to ensure they are in line with industry best practices.
Challenger may require you to complete a multi-factor authentication process if you request certain transactions or update your account details via InvestorOnline.
Whilst using AdviserOnline or InvestorOnline services, all communications between your web browser and Challenger will utilise SSL encryption.
The information contained on Challenger's social media pages is provided by Challenger Life Company Limited ABN 44 072 486 938, AFSL 234670, Challenger Retirement and Investment Services Limited ABN 80 115 534 453, AFSL 295642, Fidante Partners Limited ABN 94 002 835 592 AFSL 234668 and Fidante Partners Services Limited ABN 44 119 605 373 AFSL 320505 (together 'Challenger entities').
Challenger administers its social media pages to provide open dialogue between Challenger and members of the general public.
Before acting on any information on the page, you should consider the appropriateness of it having regard to your particular objectives, financial situation and needs, and whether you should seek advice. The information does not constitute advice, an advertisement, an invitation or an offer, to buy or sell any financial product or to engage in any investment activity, or
an offer of any financial service.
Challenger expects that users will post comments that are relevant and respectful to the community as a whole.
By using or accessing Challenger social media pages, you agree to comply with the social media platform providers terms and conditions and our terms included below. Please note that our social media pages are for information only, and that opinions posted by users of these pages do not reflect those of Challenger.
The following rules are intended to provide a quality experience for the people who choose to interact with our page. Challenger reserves the right to remove comments or block users who publish posts that:
The information on this webpage is intended to be general advice only and has been prepared without taking into account your objectives, financial situation or needs. Because of that, you should, before acting on any such information, consider its appropriateness, having regard to your objectives, financial situation and needs.
You should obtain and consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision about whether to acquire or continue to hold any financial product.
