This website is operated by the JDL Group of Companies – JDL Strategies PTY. LTD., JDL Finance PTY. LTD. and Medigrow. (Referred in this document as JDL Group). Access to and use of the website, or any of its associated Products or Services, is provided by the JDL Group. Please read these terms and conditions carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of its services immediately.
JDL Group reserves the right to review and change any of the Terms by updating this page at its sole discretion. When JDL Group updates the Terms, it will use reasonable endeavours to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.
The information provided on this software has been compiled for your convenience. JDL Group makes no warranties about the accuracy or completeness of any information contained on this website.
Acceptance of the Terms
You accept the Terms by clicking to ‘agree to the terms and conditions’ where this option is made available to you by JDL Software in the user interface.
You may not use the Services and may not accept the Terms if:
You are not of legal age to form a binding contract with JDL Group; or
You are a person barred from receiving the Services under the laws of Australia or other countries including the country in which you are resident or from which you use the Services.
In order to access the Services, you must first register for an account.
As part of the registration process, or as part of your continued use of the Services, you may be required to provide personal information about yourself (such as identification or contact details), including:
Date of birth;
Quantity of dependants;
You warrant that any information you give to JDL Group in the course of completing the registration process will always be accurate, correct and up to date.
Once you have completed the registration process, you will be a registered member of the Software and agree to be bound by the Terms. As a Member you will be granted immediate access to the Services from the time you have completed the registration process until the subscription period expires.
Your obligations as a Member
As a Member, you agree to comply with the following:
You will use the Services only for purposes that are permitted by:
the Terms; and
any applicable law, regulation or generally accepted practices or
guidelines in the relevant jurisdictions;
You have the sole responsibility for protecting the confidentiality of your password and/or email address. Use of your password by any other person may result in the immediate cancellation of the Services;
Any use of your registration information by any other person, or third parties, is strictly prohibited. You agree to immediately notify the JDL Group of any unauthorised use of your password or email address or any breach of security of which you have become aware;
Access and use of the website are limited, non-transferable and allows for the sole use of the Software by you for the purposes of JDL Group providing the Services;
You will not use the Services or the Software in connection with any commercial endeavours except those that are specifically endorsed or approved by the management of JDL Group;
You will not use the Services or Software for any illegal and/or unauthorised use which includes collecting email addresses of Members by electronic or other means for the purpose of sending unsolicited email or unauthorised framing of or linking to the Software;
You agree that commercial advertisements, affiliate links, and other forms of solicitation may be removed from the Software without notice and may result in termination of the Services. Appropriate legal action will be taken by JDL Group for any illegal or unauthorised use of the Software; and
You acknowledge and agree that any automated use of the Software or its Services is prohibited.
Last updated: 10th November 2020
General information about visits to our Websites is collected by our computer servers, with small files “cookies” that our Websites transfers to your computer’s hard drive through your Web browser (if you allow the delivery of “cookies”). The “cookies” are used to follow the pattern of movements of users by letting us know which pages on our Websites are visited, in what order and how often and the previous website visited and also to process the items you select if you are making purchases from our Websites. The anonymous non-personal information that we collect and analyse in not personal information as described in the Privacy Act.
Why do we use “cookies” and other web use tracking technologies?
When you access our Website, small files containing a unique identification (ID) number may be downloaded by your web browser and stored in the cache of your computer. The purpose of sending these files with a unique ID number is so that our Website can recognise your computer when you next visit our Website. The “cookies” that are shared with your computer can’t be used to discover any personal information such as your name, address or email address they merely identify your computer to our Websites when you visit us.
We can also log the internet protocol address (IP address) of visitors to our Website so that we can work out the countries in which the computers are located.
We collect information using “cookies” and other tracking technologies for the following reasons:
to help us monitor the performance of our Website so that we can improve the operation of the Website and the services we offer;
to provide personalised services to each user of our Website to make their navigation through our Website easier and more rewarding to the user; and
when we have permission from the user, to market the services we provide by sending emails that are personalised to what we understand are the interests of the user.
Even if you have given us permission to send you emails, you can, at any time, decide not to receive further emails and will be able to “unsubscribe” from that service.
In addition to our own cookies, we may also use various third-parties’ cookies to report usage statistics of the Website, deliver advertisements on and through the Website, and so on.
What are your choices regarding cookies?
Copyright and Intellectual Property
The Software, the Services and all of the related products of JDL Group are subject to copyright. The material on the website is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the Services and compilation of the website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Software, , code, scripts, design elements and interactive features) or the Services are owned or controlled for these purposes, and are reserved by JDL Group or its contributors.
All trademarks, service marks and trade names are owned, registered and/or licensed by JDL Group, who grants to you a worldwide, non-exclusive, royalty- free, revocable license whilst you are a Member to:
Use the Software pursuant to the Terms;
Copy and store the Software and the material contained in the Software in your device's cache memory; and
Print pages from the Software for your own personal and non-commercial use.
JDL Group does not grant you any other rights whatsoever in relation to the Software or the Services. All other rights are expressly reserved by JDL Group.
JDL Group retains all rights, title and interest in and to the Software and all related Services. Nothing you do on or in relation to the Software will transfer any:
Business name, trading name, domain name, trademark, industrial design, patent, registered design or copyright, or
A right to use or exploit a business name, trading name, domain name, trademark or industrial design, or
A thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process), to you.
You may not, without the prior written permission of JDL Group and the permission of any other relevant rights owners: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Services or third party Services for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Software, which are freely available for re-use or are in the public domain.
Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded. Subject to this clause, and to the extent permitted by law:
All terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded; and
JDL Group will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the Services or these Terms (including as a result of not being able to use the Services or the late supply of the Services), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.
Use of the Software and the Services is at your own risk. Everything on the Software and the Website is provided to you "as is" and "as available" without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of JDL Group make any express or implied representation or warranty about the Services or any products referred to on the Website/Software, includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:
Failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records;
The accuracy, suitability or currency of any information on the Software, the Website, or any of its Services (including third party material and advertisements on the Website);
Costs incurred as a result of you using the Software, or any of the Services of JDL Group; and
The Services or operation in respect to links which are provided for your convenience.
JDL Group, including its directors, affiliates, officers, employees, agents, contractors, successors and assignees, will not accept any liability for any loss, damage or other injury resulting from the use of this website.
JDL Group, its directors, affiliates, officers, employees, agents, contractors, successors and assignees do not accept any liability for any investment decisions made based on the information contained within this website. This website does not constitute financial advice and should not be taken as such. Calculations are estimates provided as a guide only. They assume interest rates don’t change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. Interest rates referenced are current rates and may change at any time.
JDL Group urges you to obtain professional advice before proceeding with any investment. JDL Group does not accept any damages or losses whatsoever, arising out of, or in any way related to, the use of this website and any other site linked to this website. This website is a model only and should not be portrayed as advice. For personal advice the JDL Group highly recommends you seek professional guidance. E.g. Accountant, Finance Broker or Financial Planner.
Nothing in this website constitutes or is intended to constitute an offer of, or an invitation to purchase or subscribe for, securities. JDL Group is not liable for the decisions or calculations made on this website as they are at the discretion of the user.
JDL Group reserves the right to make changes, modifications, additions, deletions and corrections to the website, at any time and without notice.
JDL Group does not accept any liability for any investment decisions made based on this information. This web site does not constitute financial advice and should not be taken as such. Each calculation is a guide only and is at the user’s discretion, at no time will JDL Group urge you to alter figures or give recommendations regarding investing. JDL Group recommends you obtain professional advice before proceeding with any investment.
External links disclaimer
Links to other websites that may be provided are for your convenience and JDL Group is not responsible for the information contained on those websites. The provision of a link to another website does not constitute an endorsement or approval of that website, or any products or services offered on that website, by JDL Group. JDL Group will not accept any liability for the use of those links.
Any links have been provided for your convenience. Web sites which you are transferred to are not controlled by JDL Group and JDL Group is not responsible, and does not accept any liability, for the information contained on those websites. The provision of a link does not constitute an endorsement or approval of that web site or any products or services on that website.
Alliance Program Disclaimer
Please be advised that the JDL Group has an Alliance Program. If you have been referred to JDL Software by another party, they may receive a financial benefit should you become a client of JDL Group. The JDL Group includes all our financial planning, insurance, broking, finance, accounting, technological, superannuation, and fund management affiliates. These are: Asset Realty; JDL Finance; JDL Strategies and all related alliances.
Limitation of Liability
JDL Group's total liability arising out of or in connection with the Services or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Services to you.
You expressly understand and agree that JDL Group, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.
Termination of Contract
The Terms will continue to apply until terminated by either you or by JDL Group as set out below.
If you want to terminate the Terms, you may do so by:
Closing your accounts for all of the services which you use, where JDL Group has made this option available to you.
JDL Group may at any time, terminate the Terms with you if:
You do not renew the Subscription at the end of the Subscription Period;
You have breached any provision of the Terms or intend to breach any provision;
JDL Group is required to do so by law;
The provision of the Services to you by JDL Group is, in the opinion of JDL Group, no longer commercially viable.
Subject to local applicable laws, JDL Group reserves the right to discontinue or cancel your membership at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Software or the Services without notice if you breach any provision of the Terms or any applicable law or if your conduct impacts JDL Group's name or reputation or violates the rights of those of another party.
You agree to indemnify JDL Group, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:
All actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with Your Content;
Any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so; and/or
Any breach of the Terms.
If a dispute arises out of or relates to the Terms, either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following clauses have been complied with (except where urgent interlocutory relief is sought).
A party to the Terms claiming a dispute ('Dispute') has arisen under the Terms, must give written notice to the other party detailing the nature of the dispute, the desired outcome and the action required to settle the Dispute.
On receipt of that notice ('Notice') by that other party, the parties to the Terms ('Parties') must:
Within 30 days of the Notice endeavour in good faith to resolve the Dispute expeditiously by negotiation or such other means upon which they may mutually agree;
If for any reason whatsoever, 60 days after the date of the Notice, the Dispute has not been resolved, the Parties must either agree upon selection of a mediator;
The Parties are equally liable for the fees and reasonable expenses of a mediator and the cost of the venue of the mediation and without limiting the foregoing undertake to pay any amounts requested by the mediator as a pre-condition to the mediation commencing. The Parties must each pay their own costs associated with the mediation;
The mediation will be held in Gold Coast, QLD, Australia.
All communications concerning negotiations made by the Parties arising out of and in connection with this dispute resolution clause are confidential and to the extent possible, must be treated as "without prejudice" negotiations for the purpose of applicable laws of evidence.
Venue and Jurisdiction
The Services offered by JDL Group are intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Software, you agree that the exclusive venue for resolving any dispute shall be in the courts of Queensland, Australia.
The Terms are governed by the laws of Queensland, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Terms and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of Queensland, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Terms shall be binding to the benefit of the parties hereto and their successors and assignees.
Independent Legal Advice
Both parties confirm and declare that the provisions of the Terms are fair and reasonable and both parties having taken the opportunity to obtain independent legal advice and declare the Terms are not against public policy on the grounds of inequality or bargaining power or general grounds of restraint of trade.
If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed, and the rest of the Terms shall remain in force.
JDL Group of Companies - JDL Strategies PTY. LTD., JDL Finance PTY. LTD. and Medigrow (referred in this document as the ‘JDL Group’)
We respect your privacy
JDL Group respects your right to privacy and is committed to safeguarding the privacy of our customers and website visitors. We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). This policy sets out how we collect and treat your personal information.
"Personal information" is information we hold which is identifiable as being about you.
Collection of personal information
JDL Group will, from time to time, receive and store personal information you enter onto our website, provided to us directly or given to us in other forms.
You may provide basic information such as your name, phone number, address and email address to enable us to send information, provide updates and process your product or service order. We may collect additional information at other times, including but not limited to, when you provide feedback, when you provide information about your personal or business affairs, change your content or email preference, respond to surveys and/or promotions, provide financial or credit card information, or communicate with our customer support.
Additionally, we may also collect any other information you provide while interacting with us.
How we collect your personal information
Use of your personal information
JDL Group may use personal information collected from you to provide you with information, updates and our services. We may also make you aware of new and additional products, services and opportunities available to you. We may use your personal information to improve our products and services and better understand your needs.
JDL Group may contact you by a variety of measures including, but not limited to telephone, email, sms or mail.
Disclosure of your personal information
We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this Policy. Personal information is only supplied to a third party when it is required for the delivery of our services.
We may from time to time need to disclose personal information 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.
We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of JDL Group, jdl.software, its customers or third parties.
Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia. These may include but are not limited to Brazil and Germany.
If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances.
Security of your personal information
JDL Group is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
Access to your personal information
You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act 1988 (Cth). A small administrative fee may be payable for the provision of information. If you would like a copy of the information, which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please email us at firstname.lastname@example.org
We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.
Complaints about privacy
If you have any complaints about our privacy practises, please feel free to send in details of your complaints to PO Box, New South Wales. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.
When you visit our website
When you come to our website (jdl.software) we may collect certain information such as browser type, operating system, website visited immediately before coming to our site, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service.
Third party sites
Our site may from time to time have links to other websites not owned or controlled by us. 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 JDL Group is not responsible for the privacy practises of other such 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 personal identifiable information.