Terms of Use

1. Use of the website and services

By accessing this site or creating an account, you agree to these Terms of Use. The website itself functions as an information and marketing platform describing the Polar Zinsmere product; the actual trading account you open and the transactions you carry out are provided through the licensed entity referenced in our Licensing & Regulation page. You must be an adult with legal capacity to enter into a binding agreement to register.

Registering an account is your acknowledgement that you've read and understood not only these terms but the related pages they reference, including our Risk Disclosure and Privacy Policy. If anything in any of these documents is unclear before you register, ask your personal manager or contact support; registering is treated as confirmation that you had the opportunity to ask.

2. Restrictions

You agree not to use the site or platform to break any applicable law, send unsolicited spam or bulk messages through our systems, attempt to attack, overload, or gain unauthorised access to our infrastructure, or infringe the intellectual property rights of Polar Zinsmere or any third party. We reserve the right to suspend or terminate access for any account found engaging in these activities.

Restrictions like these exist to keep the platform usable and safe for every client, not to create obstacles for genuine users. Ordinary use of your account for its intended purpose, investing, monitoring, depositing and withdrawing, is never affected by these restrictions.

3. Promotional materials and newsletters

If you opt in to marketing communication, we may send you updates about platform features, educational content, or offers by email. You can unsubscribe at any time using the link included in every marketing email, without affecting your ability to use your account.

4. Intellectual property

All content on this site, including text, graphics, the Polar Zinsmere logo, and the site's design, is owned by us or licensed to us, and is protected by applicable intellectual property law. You may not copy, reproduce or redistribute this content commercially without our written permission.

5. Privacy

Our collection and use of personal data is governed by our Privacy Policy, which forms part of these terms by reference.

6. Links

This site may contain links to third-party resources, such as connected exchanges or educational sources. We do not control and are not responsible for the content, accuracy, or practices of external sites linked from ours.

7. Prohibited use

You may not use an account registered in someone else's name, submit false verification documents, use the platform for any purpose connected to money laundering or terrorism financing, or attempt to reverse-engineer or interfere with the platform's software.

8. Support

Support is available through [email protected] during the hours listed on our Contact page. We aim to respond to all queries promptly, though response times can vary with volume.

9. Disclaimer of warranties

Information on this site, including educational material, market commentary, and figures shown in the investment calculator, is provided for general informational purposes and is not investment advice. We make reasonable efforts to keep information accurate and current but do not warrant that it is error-free or complete at every moment.

The calculator's projected figures are illustrative only, based on the parameters you enter, and are not a forecast, promise or guarantee of any actual result. Treat any figure it produces as a starting point for a conversation with your personal manager, not as a number you can rely on for a financial decision on its own.

10. Limitation of liability

To the fullest extent permitted by applicable Australian law, Polar Zinsmere is not liable for indirect, incidental or consequential losses arising from your use of the site or platform, including trading losses resulting from market movement, which are an inherent risk of trading described in our Risk Disclosure.

Nothing in this section is intended to exclude any liability that cannot lawfully be excluded under Australian consumer protection law. Where such liability applies, our liability is limited to the maximum extent the law permits.

11. Indemnification

You agree to indemnify Polar Zinsmere against claims, losses or expenses arising from your breach of these terms, your misuse of the platform, or your violation of applicable law.

Other provisions

These terms may be updated periodically; changes take effect once published on this page. If any provision is found unenforceable, the remaining provisions continue to apply. These terms are governed by the laws applicable in the jurisdiction in which Polar Zinsmere's licensed operating entity is registered.