Welcome to the online platform Instead (“Site”) provided by Complete Super Solutions (“We, Us, Our”).

The Site is an online platform providing portfolio management services for individuals, corporations, trusts, self- managed super funds administration reporting and year-end compliance, which provides ongoing administration mailing house services and non-custodial investment related administration and portfolio reporting for each registered user (“Portfolio Management Services”).

We permit authorised users (“Authorised Users”) to login to the Site and view, submit and manage their client’s Account. We also provide read only access to clients of Authorised Users (“Client”) so that they may login and view their account (Authorised Users and Clients are to be collectively known as “Users, “You”).

Authorised Users are also permitted to grant and authorise access to Client accounts.

Your use of the Site and the Services is governed by the terms and conditions set out below (“this Agreement”). This Agreement is separate and distinct from any agreement between You and any other User of the Site and the Services. This Agreement forms a binding legal agreement between You and Us. You should read the terms and conditions of this Agreement carefully as Your use of the Site will be deemed acceptance of these Terms and Conditions.

Without limiting the way in which You may be bound by this Agreement, including by signing a document agreeing to be bound by this Agreement, by clicking a button on Your computer screen indicating Your acceptance of this Agreement when logging in, or by proceeding to use the Site, You will be deemed to have accepted and will be bound by the terms and conditions of this Agreement, as amended from time to time.

1. THE SERVICES

1.1 Subject to the terms and conditions of this Agreement, We may provide You with the following goods and services ("Services"):

(a) the ability for Authorised Users to set up an Account which allows Authorised Users to review, post, update and manage a Client’s account;

(b) the ability for Clients to access and view their Account;

(c) Portfolio Management Services; and

(d) The ability to authorise and grant third party access to an account.

1.2 Subject to the terms of this Agreement, the provision of the Services and the Products, constitute Our only obligation to You.

1.3 You agree that We may add or modify the Services at any time, or discontinue the Services (or part thereof) at any time. We may also restrict Your use of some or all Services, suspend the delivery of the Services at any time and subsequently reinstate them at Our discretion without liability to You.

2. CREATING A NEW CLIENT ACCOUNT WITH US

2.1 We require You to create an account (“Account”) in order to use the Site and obtain the benefit of the Services.

2.2 If You create an Account with Us, or have an Account created on Your behalf, then You agree and confirm:

(a) that if You create an Account on behalf of a Client, You are authorised by the Client to create an account on their behalf;

(b) that You will only grant access to the Account to those persons who have been authorised by the Client;

(c) that You and not We are responsible for any edits or submissions to an Account by a third party which has been authorised by You;

(d) that the Account will be created using Our online sign up process, or any other method specified by Us from time to time;

(e) to keep confidential and secure any username or password used to access the Account;

(f) to warrant that all information provided by You to Us in the establishment of the Account is true and correct in every detail; and

(g) that You will only use the Account for the purposes of using the Services and purchasing Products, and for no other purpose.

2.3 We may refuse an application for an Account by any Authorised User at Our sole discretion.

3. OUR FEES

3.1 By creating an Account and managing a Portfolio on the Site, You agree to pay the applicable fee which may be specified by Us on the Site or other materials supplied to You from time to time (“Fee”).

3.2 You also agree that any administrative or other additional transactional services which You request Us to provide, which are in addition to the Portfolio Management Services specified in this Agreement, will be directly charged by Us to You in addition to the applicable Fee chargeable in relation to the provision of the Services (“Additional Fees”).

3.3 For information on your current fee schedule and subscribed services please contact your Adviser.