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Welcome to Motley Fool Hidden Gems (the “Newsletter”), the newsletter brought to you by The Motley Fool Australia Pty Ltd (“The Motley Fool,” “Fool Australia,” or “we”), PO Box 4635, Ashmore, Qld 4214.  These Terms and Conditions are an agreement between you (“you”) and Fool Australia, regarding your subscription to the Newsletter.  By subscribing to and using the Newsletter you are agreeing to be bound by all these terms and conditions.

Financial Services Guide

Prior to subscribing, please review our Financial Services Guide (FSG).  By subscribing and using the Newsletter, you specifically acknowledge that you have received, read and understood our FSG.

General Advice Only

The Newsletter provides recommendations for buying and selling shares of publicly traded companies. As stated in our FSG, The Motley Fool (AFSL 400691) provides only general financial advice.  That is, the information contained in the Newsletter has been prepared without taking your personal circumstances into account.

You may email your comments and questions about our coverage and our advisors will endeavour to respond to them in the Newsletter’s weekly update.  We may also email you directly in response to any general inquiries you may have about our services.  Whether our response is via email or made part of Newsletter’s weekly update, we will not (and cannot) address your particular investment situation and our comments will not constitute advice that a specific security, strategy or action is suitable for you.

You therefore agree that all commentary, statements of opinion and recommendations found in the Newsletter and weekly updates as well as any communication from Fool Australia to you (including in any interactive forums) is general advice only and we have not taken into account your personal objectives, financial situation or circumstances when preparing or providing such information.

All Services are Provided by Fool Australia

The Newsletter and all related content are provided exclusively by Fool Australia.   While we may look at our US parent or UK affiliate publications for international stock ideas, all share recommendations have specifically been adopted by one of the Newsletter’s advisors and provided to you by Fool Australia.  You acknowledge that the general financial advice is provided to you solely by Fool Australia in its capacity as an AFSL holder.

Disclaimer

The Newsletter bases its recommendations and forecasts on techniques, information and sources believed to be reliable in the past and at the time of publication. However, The Motley Fool does not warrant the completeness or accuracy of the information presented. We make no promises that the Newsletter will be delivered to you on an uninterrupted, timely, secure or error-free basis. To the maximum extent permitted by law, Fool Australia, its affiliates and their respective directors, officers and employees disclaim any liability for any loss or damage arising from your use of, or reliance on the information provided.

Portfolio Performance 

All Newsletter returns are hypothetical and based on the percentage change between the stock price at the time of recommendation and the current or sell price (if the position has been closed) at the time of publication. Brokerage, taxes and any other associated costs are not taken into account.

Please remember that investments can go up and down.  Past performance is not necessarily indicative of future returns.  Performance figures are not intended to be a forecast and we do not guarantee the performance of, or returns on any investment.

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The Motley Fool is a company of investors writing for investors and as such, the writers (and/or the company, its parent or affiliates) may own stocks mentioned by the Newsletter. Any ownership interest in stocks discussed in a Newsletter issue will be disclosed in that issue.  For more information on Fool Australia’s trading and disclosure rules, please see our FSG or go to fool.com.au.

An affiliate of Fool Australia provides investment products to US investors that may hold securities mentioned in our publications. Editorial personnel have no nonpublic knowledge of the affiliate’s holdings, and the affiliate’s personnel have no knowledge of any editorial content before it is published.

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Changes to these Terms and Conditions

We may change these terms at any time, but we will post a notice of any material changes. Your continued use and access of the Newsletter means that you accept any new or modified terms.

General Information

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These Terms and Conditions are governed by and interpreted in accordance with the laws of the State of Victoria, Australia.