Table of contents
- Privacy Policy & Collection Notice
- Terms of Use
- Financial Services Guide
- Important Information
- Complaints Policy
Privacy Policy & Collection Notice
This version is current as at 1 July 2020
In this document, we refer to ourselves, Lincoln Indicators Pty Limited ABN 23006715573, as We, Us or Our, and to our clients and others from whom we collect personal information as You.
At Lincoln Indicators, we are committed to preserving and respecting your privacy and complying with the Privacy Act 1988 in respect of the collection, management and disclosure of your personal information.
1. Information we collect about you
We collect personal information about our clients which generally is any information that identifies you as an individual. This includes information such as your name, address, contact number, credit card and other personal details. If the information we collect personally identifies you, or we can reasonably identify you from the information you have submitted, then that information is considered to be personal information. We collect this information for the purposes set out below (see item 4).
We also collect personal information (such as contact details) about persons who are not our clients, including about our former or potential clients, people who enter our premises or apply for a job with us. We collect this information for the following purposes:
- In the case of former clients, we collect and hold personal information to comply with our financial services obligations.
- In the case of potential clients, we collect personal information to assist with promotional activities, marketing research and product development.
- In the case of people who enter our premises, we collect personal information for workplace health and safety reasons and to contact those who’ve provided services to us.
- In the case of people applying for jobs with us, we collect personal information to assist with assessing their applications.
Usually, we collect information directly from you. We may collect such personal information from you over the telephone, via email, when you complete an application form or from other sources during providing our services to you. However, sometimes we also collect your personal information after receiving information via a sponsorship agreement that we have entered with a particular party.
2. Website Cookies and the use of personal information
We make use of “cookies” technology to improve the functionality of our website. A cookie is a small string of information that a website transfers to your browser for identification purposes.
If you provide personal information via our website (e.g. by completing an online form), cookies may be used to match your web browser to that personal information. This may be done for the following purposes:
- to monitor your usage of, and browsing behaviour on, our website;
- to identify information or services that may be of interest to you (based on your usage of, and browsing behaviour on, our website);
- and related marketing purposes.
Internet browsers typically permit settings to be adjusted to manage or block cookies. However, if you disable the cookies feature, you may not be able to access all the functionality of our website.
3. What happens if you choose not to provide the information?
You do not have to give us your personal information. However, if you choose not to, we may be unable to provide you with all our products and services.
4. How we use your personal information
We use your personal information to:
- enable us to provide our products and services (and to provide information about those products and services) to you;
- administer the provision of our products and services (such as make bookings, send you bills and collect amounts owed from you);
- improve the products and services we provide to you and inform you about any improvements or changes in those products and services;
- market products and services that we or third parties offer (you can opt out of receiving such marketing information at any time); and
- enable us to meet our financial services obligations.
5. How we disclose your personal information
We try to minimise the instances in which we disclose your personal information to third parties. (In particular, we will not sell your personal information to third persons.) However, there are times when we need to disclose your personal information to third parties (mainly to enable us to provide our products and services to you) or as required by courts, tribunals, government regulatory agencies or the police.
Some of these service providers, to whom we make regular disclosures, are located overseas, mainly in the United States of America. These external service providers are only authorised to use this personal information for the purposes for which Lincoln supplied it. Lincoln will also seek to ensure that the recipient of the personal information has systems and procedures in place to prevent loss or misuse or any unauthorised disclosure in line with Australian laws and standards.
We may also disclose personal information to our related entity, Lincoln Financial Group Pty Ltd ABN 70 609 751 966, for the purposes of meeting our financial services obligations (for example, dispute resolution obligations).
6. You can access and correct information
We will take all reasonable steps to ensure that your personal information which we collect, use or disclose is accurate, complete, relevant, not misleading and up-to-date. We encourage you to contact us about changes to your personal details. You can also access the personal information we hold about you, except in certain limited circumstances. If you wish to do so, please send an email to our Privacy Compliance Officer (see contact details below) and we will respond to you within 30 days.
You can also request that information we hold about you be corrected or deleted, and we will take such steps as are reasonable in the circumstances to ensure this is done. If you wish to do so, please email our Privacy Compliance Officer (see contact details below).
7. How we hold and secure your personal information
We take all reasonable steps to protect the security of the personal information that we hold from misuse, loss, unauthorised access, modification or disclosure. This includes appropriate measures to protect electronic materials and materials stored and generated in hard copy. You should be aware that the Internet is not a secure environment. If you use the Internet to send us information, including your email address, it is sent at your own risk.
It is your responsibility to keep your password safe.
8. Data Breach
Should any unforeseeable event occur which results in the loss, or unauthorised access or disclosure of your personal information that is likely to result in serious harm to you, we will investigate the matter and notify you and the Office of the Australian Information Commissioner (OAIC) as soon as practicable pursuant to our obligations under the Privacy Act 1988.
9. Updating our privacy statement
We may revise or update this document occasionally. The current version will be posted on our website. You should check back to our website from time to time to view the most recent version of our privacy statement. You can also obtain a copy of this privacy statement from the Privacy Compliance Officer (see contact details below).
10. Complaints and further information
If you have any complaints about our privacy practices, please:
- contact our Privacy Compliance Officer either by email at enquiries@lincolnindicators.com.au u or by phone on 1300 261 680; or
- if you prefer, make your complaint in writing to: Managing Director, Lincoln Indicators Pty Ltd, Level 2, 379 Collins Street, Melbourne VIC 3000.
We will endeavour to resolve any complaint or query as soon as possible.
If you’re not satisfied with our resolution, you may also complain to the Office of the OAIC. The contact details for the OAIC are GPO Box 2999, Canberra ACT 2601 or GPOB 5218 Sydney NSW 2001 or phone 1300 363 992. Alternatively, email the OAIC at enquiries@oaic.gov.au.
11. Contact details for our Privacy Officer
Contact our Privacy Officer either by email at enquiries@lincolnindicators.com.au or by phone on 1300 261 680 or in writing to: Privacy Officer, Lincoln Indicators Pty Ltd, Level 2, 379 Collins Street, Melbourne VIC 3000.
Terms of use
Introduction
Please take the time to read these Terms of Use. By accessing our website and the services, products and information on our website, you agree to abide by, and accept these terms and conditions.
This Website
The website www.lincolnindicators.com.au (“this site”) is owned and operated by Lincoln Indicators Pty Ltd (“Lincoln”, “we” or “us”) ABN 23 006 715 as Corporate Authorised Representatives of Lincoln Financial Group Pty Ltd ABN 70 609 751 966, AFSL 483167.
Australia Only
No information, including general financial product advice, or offers on this site is intended for any person outside Australia. Offers from this site can only be accepted by a person who is within Australia. Currency references on this site are references to Australian dollars only.
Applicability
These Terms of Use apply to Lincoln’s public site.
Information on this Site
Accuracy
Lincoln acts in good faith and has taken the upmost care and precautions to ensure that the information provided on this site is accurate. We try to ensure it is correct as at the date of issue. However, we cannot guarantee, nor do we accept any legal liability arising from or connected to, the accuracy, reliability, currency, or completeness of anything contained on this site or on any linked site.
Change
Opinions, analysis, information, tools, indicators and other commentary expressed may change without notice. Except as required by law, we are under no obligation to update the information on this website.
General Information warning
The information on this site is general information only and does not consider your particular circumstances, investment objectives or financial needs. Before acting on the information/advice, you should consider its appropriateness having regard to your particular objectives, financial situation or needs. Furthermore, under no circumstances should investment decisions be based solely on the information/advice provided on this site. Please refer to our Financial Services Guide (FSG) for details about the services we provide and if our advice refers to Lincoln’s Managed Funds, to the relevant Product Disclosure Statement (PDS) for the fund.
Not a Recommendation
This site is also not a recommendation or offer to invest in any investments, securities, or financial products.
Testimonials
Testimonials on this site are provided by third parties for information purposes only and are not intended to be financial product advice pursuant to the Corporations Act 2001. They do not represent opinion or advice from Lincoln.
Using our site
Lincoln takes great pride in its site and wants to ensure that you use our site in accordance with all applicable laws, rules and regulations.
In using this site, you agree that you will not use, nor allow or authorise any third party to use, the site for any purpose that is unlawful, defamatory, harassing, abusive, fraudulent or obscene way or in any other inappropriate way or in a way which conflicts with the site.
Should you contribute to any of our forums (if any) or make any public comments on this site which are, in our opinion, unlawful, defamatory, harassing, abusive, fraudulent or obscene or in any other way inappropriate or which conflict with the site or the services offered, then we may at our discretion, refuse to publish such comments and/or remove them from the site.
Lincoln reserves the right to terminate your use of the site for any reason and without any notice.
Intellectual Property
Lincoln retains all rights (including copyrights, trademarks, logos, branding, patents as well as any other intellectual property right) in relation to all information provided on or via this site. The content of this site is protected by applicable intellectual property law. You may not copy, download, modify, publish, sell, distribute or reproduce any of the information contained on this site in any form without the prior written consent of Lincoln or the appropriate consent of the owner. However, you may print out and/or download information contained on this site for your own personal and non-commercial use. You cannot undertake any action to create an impression of affiliation, sponsorship, or endorsement between any user and/or site and Lincoln.
Hyperlinks
Lincoln is not responsible for the accuracy or content of any third-party web sites that may have links from this site. In creating hypertext links to any other web sites, Lincoln is not recommending that website or giving any assurances as to its standing. The use of such links is entirely at your own risk and Lincoln accepts no responsibility or liability for the content, use or availability of such websites.
Links to the Lincoln site are only permitted in accordance with the “Links to Lincoln’s website and yours” section below.
Third Party Information and Materials
At times, the site may provide information, articles, data (including for example, indices) and material that are written and prepared by people who are not Lincoln’s employees or representatives. This material is provided for your interest and relevance. Lincoln will clearly acknowledge and identify the material as the product of an independent third party. Lincoln is not responsible for the contents or accuracy of this material, and the opinions expressed in the material should not be taken as our recommendations or opinions. We accept no liability for any loss or damage arising out of or in connection with this third-party material You must not supply any of the data provided by one of these third parties to any other person. The material that is provided to us is subject to copyright.
Third Party Carriers
You acknowledge that Lincoln obtains data from carriers such as Morningstar and other relevant exchanges and bodies. Lincoln will not be liable to you for any failure to supply the data provided by carriers or any failure in the operation of the software where that failure arises as a result of any non-supply of the necessary data from the appropriate carrier.
Data provided by a third-party data carrier must not be reproduced, rewritten, copied, re-sold, re-distributed, framed, linked, or made available to any other person. This material is subject to copyright by the carrier.
Neither Lincoln nor any third-party data carrier will be liable to you for any failure to supply the data provided by the third-party data carrier or any failure in the operation of the software where that failure arises as a result of any non-supply of the necessary data from the appropriate carrier.
Neither Lincoln nor any third-party data carrier will be under any liability whatsoever for any loss suffered by any person whether arising from negligence or otherwise for any errors or omissions in, delay or interruption to, or for the use of or results obtained from, data supplied by a third-party data carrier.
Contact Lincoln if you need further information about our carriers.
Link to Lincoln’s website and yours
Lincoln allows you to link to our articles or home page. But this comes with conditions. You must not provide a link which suggests any association, approval or endorsement by Lincoln to your own site, unless we have provided written approval. We may also withdraw our consent to you linking to our site at any time by written notice to you.
Liability
Lincoln, Lincoln Financial Group Pty Ltd ABN 70 609 751 966, any director, employees or agents of these entities and third party providers of testimonials make no representation and give no warranty as to the accuracy, reliability, completeness or suitability of the information provided on or via this site and do not accept any responsibility for any errors, or inaccuracies in, or omissions from information provided on or via this site; and shall not be liable for any loss or damage howsoever arising (including by reason of negligence or otherwise) as a result of any person acting or refraining from acting in reliance on any information provided on or via this site. No reader should rely on information provided on or via this site, as it does not purport to be comprehensive or to render personal financial advice. This disclaimer does not purport to exclude any warranties implied by law that may not be lawfully excluded. Lincoln and Lincoln Financial Group Pty Ltd make no warranties or representations, express or implied, as to whether information provided on or via this site is up to date. Lincoln does not represent or warrant that this site functions without error or interruption.
Indemnity for loss and damage
To the fullest extent permitted by law, you agree to indemnify Lincoln and Lincoln Financial Group Pty Ltd and hold Us harmless from and against any and all liabilities or expenses arising from or in any way related to your use of this site or the services, products or information offered on this site, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and solicitors’ fees of every kind and nature incurred by you or any third parties through you.
Privacy
Any personal information that you have provided to Lincoln, or that is collected by us and retained due to your use of the site and/or our services or products is governed by Lincoln’s Privacy Policy and Collection Notice (Privacy Policy). Accordingly, by using this site and its services you agree to be bound by the terms of that Privacy Policy. For information on why we collect personal information and how it is used please read our Privacy Policy.
Applicable Law
This site and its terms shall be governed by and construed in accordance with the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the Courts of Victoria and you waive any right you have to object to an action being brought in the Courts of Victoria.
Amendments
Lincoln reserves the right in its sole discretion to change, modify, add or remove the information provided on or via this site, including these Terms of Use at any time and without notice. Any changes, modifications, or additions to or deletions from these Terms of Use shall come into effect upon posting on this site. We recommended that you review the information provided on or via this site, including these Terms of Use, periodically for changes. Lincoln expressly reserves the right to monitor any use of this site.
Financial Services Guide
28 February 2023
Important details
Purpose of the Financial Service Guide
The purpose of this Financial Services Guide (‘FSG’) is to provide you with details of the financial services provided by Lincoln Indicators Pty Ltd ABN 23 006 715 573 (‘Lincoln Indicators’), as the Corporate Authorised Representative (CAR 001 240 936) of Lincoln Financial Group Pty Ltd ABN 70 609 751 966 (AFSL 483168) (‘Lincoln Financial’) or its directors/employees and to provide relevant information to help you decide whether to use the financial services offered and arranged by us.
The FSG provides details about the following:
- What financial services do we offer
- How are we remunerated
- Our internal and external dispute resolution process
Lincoln Indicators and Lincoln Financial have authorised the content and distribution of this FSG. You can contact us by email at enquiries@lincolnindicators.com.au, phone at 1300 261 680 or in writing to Lincoln Indicators, Level 2, 379 Collins Street, Melbourne VIC 3000.
Unless specified otherwise, a reference to ‘we’, ‘our’ or ‘us’ in this FSG is a reference to Lincoln Indicators or, in the case of financial services provided by Lincoln Indicator’s employees or directors, Lincoln Financial.
Neither Lincoln Incidators nor Lincoln Financial is responsible for services provided to you by any other third party, including other financial service providers (e.g. financial advisers). It would be best if you referred to the FSG of the other financial services provider for further information about the services they offer.
About Lincoln Indicators
Lincoln Indicators was founded in 1991, after six years of testing and development, in 1997, Stock Doctor was launched and has since grown to become one of Australia’s premier do-it-yourself (‘DIY’) share market investment platforms. Utilising unique, proprietary algorithms and exclusive quantitative data-driven research methodology, Stock Doctor, gives much-needed support and guidance to DIY and self-managed superannuation fund investors to confidently invest in financially healthy, high-quality companies and identify those at risk of potential corporate failure.
Building on Lincoln Indicators’ mission to ‘empower global share market investors to invest successfully with confidence, control and peace of mind’, in 2003, Lincoln Indicators launched Lincoln Managed Funds. This suite of Australian and US investment funds caters for time-poor investors who trust the Lincoln Indicators quantitative methodology but prefer to leave the management of their portfolios to the experienced Lincoln Indicators team.
Lincoln Indicators is the investment manager of the Lincoln Australian Growth Fund, Lincoln Australian Income Fund and Lincoln U.S. Growth Funds (the ‘Funds’) and provides general advice regarding these Funds. The Funds are managed investment schemes offered by Equity Trustees Limited (the ‘Responsible Entity’).
What financial services do we offer?
Lincoln Indicators is authorised under Lincoln Financials AFSL to provide general financial product advice to retail and wholesale clients for the following financial products:
- deposit and payment products;
- debentures, stocks or bonds issued or proposed to be issued by a government;
- interests in managed investment schemes (including Investor-Directed Portfolio Services);
- retirement savings accounts;
- securities (such as shares); and
- superannuation.
Stock Doctor is not in itself a ‘financial product’ as defined under the relevant law, but it may provide financial services in the form of general financial product advice regarding securities.
Lincoln indicators are also authorised under Lincoln Financials AFSL to deal in a financial product to retail and wholesale clients by applying for, acquiring, varying or disposing of a financial product on behalf of another person, in respect of the following financial products:
- interests in managed investment schemes (including Investor-Directed Portfolio Services);
- securities (such as shares); and
- superannuation.
What is general financial product advice?
Lincoln Indicators directors or employees may be authorised to provide general financial product advice. General financial product advice is not personal advice and is prepared without considering your personal objectives, financial situation or needs. Therefore, you should consider its appropriateness, in light of your objectives, financial situation and needs, before acting on it. Before acting on any advice, you should consider the appropriateness of the advice, and we recommend you obtain financial, legal and taxation advice before making a decision. If our advice relates to acquiring or possibly acquiring a particular financial product, you should obtain a copy of and consider the Product Disclosure Statement.
What documents may we provide you?
Product Disclosure Statement (‘PDS’), Reference Guide (‘RG’) and other Offer Documents
Before you can invest in one of our financial products, you will receive a PDS containing general information about the products to help you make an informed decision about the particular product, including:
- The terms and conditions for the product;
- Any significant risks associated with holding the product;
- Information about the costs of the product; and
- Details of fees and charges the product provider receives for issuing the product.
For more information or to obtain a copy of the PDS for any of our financial products, please get in touch with us or visit our Managed Fund page at www.lincolnindicators.com.au/our-managed-funds/
How are third parties and Lincoln Indicators remunerated?
Any factual information or general financial product advice we provide on financial products, as authorised under our AFSL, is free of charge.
Stock Doctor Private Membership
If you choose to purchase a Stock Doctor membership, you will be charged on a subscription basis, with the option to pay monthly, annually or for multi-year discounts; you can pay two, three or five years upfront or longer on an agreement. The membership allows you to access Stock Doctor. As a Stock Doctor member, you cannot provide reports or information to third parties.
Lincoln may also vary its pricing from time to time concerning special offers. All member offers (including trial memberships) are subject to acceptance of the Stock Doctor’s terms and conditions. All prices are in Australian dollars and include GST.
There is a ’30-day money-back guarantee’ on your initial purchase of Stock Doctor, which means that within the first 30 days of your purchase date (excluding the 30-day trial membership), you may cancel your membership at any time with a full refund. The ’30-day money-back guarantee’ does not apply to renewal memberships.
At the end of a membership or renewal term, pricing may be adjusted in line with the Consumer Price Index (CPI) or the case of enhancements to Stock Doctor by an amount considered by Lincoln Indicators to be reasonable. Additionally, Lincoln Indicators, in rare cases, may decrease or increase the membership fees prospectively if it deems necessary or if the Stock Doctor offer changes dramatically.
Please refer to Table 1 and Table 2 for purchase and renewal costs. Should you decide to cancel your membership at any time, refunds may be payable at a percentage of the original (or renewal) membership fee paid, as shown in Table 3. Refunds are not payable in the case of 1-year memberships.
Stock Doctor Corporate Memberships
If you want to use Stock Doctor for commercial use, for example, as Financial Advisor or Accountant to provide General or Financial Product Advice to retail or wholesale clients regarding securities and investments, you will need to become a Corporate Member. For more information and pricing regarding our Corporate Memberships, you can contact us by email at enquiries@lincolnindicators.com.au or by phone at 1300 261 680.
Multi-year memberships are not available for Corporate Members. No cancellations or refunds are available for Corporate Memberships.
Lincoln Managed Funds
If you invest in one of the provided Lincoln Managed Funds (‘the Funds’), we will receive remuneration concerning your investment, usually based on the dollar amount you invested in the product or service (e.g. Management fees). These fees and costs applicable to the product and service we offer are set out in the relevant PDS or offer document for the product or service. A percentage of the management fees is also payable to the Responsible Entity of the Funds. See more details on the Responsible Manager below and in the PDS.
Equity Trustees Limited ABN 46 004 031 298 AFSL 240975, a subsidiary of EQT Holdings Limited ABN 22 607 797 615, a public company listed on the Australian Securities Exchange (ASX: EQT), is the Fund’s responsible entity and issuer of the Product Disclosure Statements. Equity Trustees’ responsibilities and obligations as the Fund’s responsible entity are governed by the Fund’s constitution (‘Constitution’), the Corporations Act and general trust law. Equity Trustees has appointed Lincoln Indicators Pty Ltd as the investment manager of the Fund.
Equity Trustees has appointed a custodian to hold the assets of the Fund. The custodian has no supervisory role concerning the operation of the Fund and is not responsible for protecting your interests.
Payments to IDPS Operators
Subject to the law, annual payments may be made to some Investor-Directed Portfolio Service (‘IDPS’) Operators because they offer the Fund on their investment menus. Product access is paid by the Investment Manager out of its investment management fee and is not an additional cost to the investor.
Lincoln Indicators Directors, Employees and other representatives
Lincoln Indicators’ directors and employees may be remunerated by salary and other employee benefits. may be eligible for a discretionary bonus (in addition to their salary). Bonuses will depend on several factors, including:
- Company performance;
- Adherence to compliance procedures;
- Employment length; and
- Team performance.
For more information on how Lincoln Indicator’s directors, employees or entities are remunerated, don’t hesitate to contact us within a reasonable time after receiving this document and before any financial services are provided to you.
Remuneration that may be received from third-parties
Lincoln Indicators is a party to a commission-sharing agreement with Macquarie Securities (Australia) Limited (‘Macquarie’). Macquarie provides a brokerage rebate for the sales and purchases of securities services for the Funds. Under this agreement, Lincoln is entitled to allocate rebated brokerage towards the payment of direct managed fund expenses related to research and trading. This agreement provides a direct benefit to unit holders of these Funds. Lincoln Indicators may use the services of other broking firms but does not have a commission-sharing agreement with them.
What third-party arrangements could influence our advice?
Lincoln Indicators may, from time to time, pay third parties for referring clients. This payment could be made up of one or more of the following:
- Single one-off payment or benefit for the referral; or
- Percentage of the total amount for a Stock Doctor Membership initially purchased as a result of the referral.
Stock Doctor Referral Program
Current Stock Doctor members who refer a client who subsequently purchases a one, two, three, or five-year Stock Doctor membership may be eligible to receive $200 off their renewal membership. It is subject to the referred client passing the 30-day money-back guarantee period. There is no limit to the number of clients you refer to Stock Doctor in any period, and the $200 off is the same no matter the membership period obtained by the client you referred.
Refer to the Stock Doctor Terms & Conditions for the referral program qualification requirements and further information, including the commercial referral program.
Disclosure of Interest in ASX-listed Companies
Where Lincoln Indicators or Lincoln Financial, its directors, employees or associates hold an interest in a particular company listed on the ASX, this will be noted in Stock Doctor and our written reports, as appropriate.
How to make a complaint?
Firstly we encourage you to contact your direct relationship manager at Lincoln Indicators as soon as possible with any feedback or concerns via email or request to speak with them by calling 1300 261 680. Many concerns are due to miscommunication or a misunderstanding and can easily be rectified with a quick conversation. However, if you remain dissatisfied with the matter raised or would like to lodge an official complaint with us, please follow the steps below:
Contact Lincoln’s Membership Services Team either:
enquiries@lincolnindicators.com.au
- Telephone
1300 261 680
Monday to Friday, 9 am – 5:30 pm (AEST)
- In writing to
Complaints Manager, Lincoln Indicators Pty Ltd, Level 2, 379 Collins Street, Melbourne VIC 3000.
We will first acknowledge your complaint within one business day of receipt or as soon as practicable and endeavour to resolve your complaint within five business days of receiving it.
If we cannot resolve your complaint within five business days, we will provide an official written communication within 30 days of receiving the complaint.
If you are not satisfied with the outcome of the complaint by Lincoln Indicators, you have the right to take your complaint to the Australian Financial Complaints Authority (‘AFCA’). The contact details for AFCA are as follows:
- Website
www.afca.org.au
info@afca.org.au
- Telephone
1800 931 678 (free call)
(03) 9613 6399 (Fax)
- In writing to
Australian Financial Complaints Authority GPO Box 3, Melbourne, Victoria, 3001
Time limits may apply to complaints to AFCA. You may wish to consult the AFCA website or contact AFCA directly to find out if there is a time limit on lodging a complaint with AFCA.
The Australian Securities and Investments Commission (‘ASIC’) also has an Info line number 1300 300 630, which you may use to make a complaint and obtain information about your rights.
For more information about our complaints process, please refer to our Public Complaints Policy.
Privacy policy
We are committed to preserving and respecting your privacy and complying with the Privacy Act 1988. For full details about our privacy practices and your rights, see the Lincoln Group’s Privacy policy and collection notice at www.lincolnindicators.com.au/legal/privacy-policy/.
Opt-out
From time to time, we may use your information to contact you (including via telephone, where we have your valid consent, either expressed or implied) to promote, market and provide you with information about our products and services (marketing practices). These marketing practices and your consent shall remain in effect in accordance with the relevant law unless and until you notify us that you do not want to receive marketing communications from us.
Professional Indemnity insurance
Lincoln Indicators retains Professional Indemnity (‘PI’) insurance to cover the activities performed as a representative of Lincoln Financial Groups AFSL. The PI insurance cover is maintained in accordance with the law, subject to its terms and conditions. It provides indemnity up to the sum insured for the activities of Lincoln Indicators and Lincoln Financial Group representatives, satisfying the compensation arrangements requirements under the Corporations Act and Regulations 2001.
Financial Hardship
If you are currently in financial hardship, please contact the Lincoln Indicators team for assistance if you cannot pay your Stock Doctor membership. We can discuss the options available. In addition, Lincoln Indicators may ask you to provide further information when asking for assistance due to financial hardship.
Experiencing financial stress can impact your mental health. If you are concerned about your mental well-being, help is available. Contact Beyond Blue on 1300 22 46 36 (24 hours a day). Or use Beyond Blue’s web chat (3 pm to 12 am).
Stock Doctor Memberships Pricing
All figures quoted in this FSG are as at 1 July 2021 (GST inclusive except for membership commission which is GST exclusive).
Table 1 – Stock Doctor Private Memberships
| Membership type | RRP | Multi-year discount | Early renewal payment discount(b) | Total discount possible | Discounted price(d) |
| Stock Doctor | New Members | ||||
| 1 year(a) | $1,845 | N/A | N/A | 0% | $1,845 |
| 2 years(c) | $3,590 | 10% | N/A | 10% | $3,231 |
| 3 years(c) | $5,335 | 15% | N/A | 15% | $4,535 |
| 5 years(c) | $8,825 | 30% | N/A | 30% | $6,177 |
| Stock Doctor | Existing Members | ||||
| 1 year(a) | $1,745 | N/A | 5% | 5% | $1,657 |
| 2 years(c) | $3,490 | 10% | 0% | 10% | $3,141 |
| 3 years(c) | $5,235 | 15% | 0% | 15% | $4,450 |
| 5 years(c) | $8,725 | 30% | 0% | 30% | $6,107 |
(a) One-year instalment option is available upon request. Refer to Table 2 for details.
(b) Existing private stock doctor subscribers only.
(c) Instalments are not available with these renewal options.
(d) Excludes instalment payment plans where applicable.
Table 2 – Direct Debit 1-year
| New Members – Direct debit | Monthly sum | Total |
| Monthly (12 instalments) | $162.00 | $1,944.00 |
| Existing Members – Direct debit | Monthly sum | Total |
| Monthly (12 instalments) | $153.50 | $1,842.00 |
| Renewal 5% Discount (if existing member subscribers pay on or before the due date) | $145.83 | $1,749.96 |
Note: Instalment options are not available on multi-year subscriptions or multi-year renewal subscriptions
Table 3 – Cancellation (Stock Doctor Private Membership)
Should you decide to cancel your Stock Doctor membership at any time during the term of your membership (other than a one-year membership or 30-day trial), refunds may be payable at a percentage of the membership fee paid as follows:
| Membership Fees Paid (Months) | |||||
| Membership Type | 0-12 months | 13-24 months | 25-36 months | 37-48 months | After 49 months |
| 1 year | No refund | N/A | N/A | N/A | N/A |
| 2 years | 40% | No refund | N/A | N/A | N/A |
| 3 years | 60% | 25% | No refund | N/A | N/A |
| 5 years | 75% | 50% | 25% | 5% | No refund |
Important Information
Important Information as at 1 July 2020
Lincoln Investment Process
Lincoln Indicators Pty Ltd (Lincoln) identifies stocks that meet certain pre-defined criteria. Companies that fail to pass this screening process have no further research conducted on them. For more information on the Lincoln Investment Process refer to Lincoln’s Education material.
“Advice” on this website
This website may contain general financial product advice. It has been prepared without taking account of your personal circumstances (including your objectives, financial situation or needs) and you should therefore consider its appropriateness in light of your objectives, financial situation and needs, before acting on it.
Star Stocks Investment Performance Disclosure
01/09/1995 is that date of inception of the Star Growth Stocks notional portfolio.
07/08/2012 is the date of inception of the Star Income Stocks notional portfolio.
The Star Stock criterion has not remained constant but has been revised and updated over time. The quoted performance reflects actual Star Stock recommendations as they have been published to the public in real time and have not been retrospectively implemented.
Star Stock Past performance: Star Stock (encompassing Star Growth and Star Income) returns were calculated by Lincoln as a measure of the historical performance of the strategy for the notional portfolio, reflecting the changes in recommendations and the performance of them over time and do not represent an actual investment. Equity investments are volatile and go up and down. Past performance is not a reliable indicator of future performance and should not be relied upon.
The performance over the stated time period/s reflects the capital return and dividend income paid on a notional portfolio that is equally invested in each Star Stock. The portfolio is rebalanced to equal weight exposure when the composition of the notional portfolio changes, in other words, when a Star Stock is entered or removed from the portfolio. Dividend distributions are reinvested in the specific investments which generate the distribution on the appropriate ex-entitlement dates.
Transactions are calculated at the closing prices for the next trading day and it is assumed there is sufficient market liquidity to make the required trades at this price. Transaction costs of 0.2% on each purchase and sale have been incorporated into the performance figure. The calculation makes no allowance for other distributions, government charges or tax, or annual subscription fees payable to Lincoln. To simplify the calculations, it is also assumed that stocks can be purchased at a fraction of a share.
Performance varies positively and negatively month to month reflecting the volatility of the equities’ asset class. Therefore, no performance figure should be taken as a reliable indicator of future performance.
The Portfolio Constructor
The Portfolio Constructor generates a hypothetical portfolio based on a specific profile selected by the user (e.g. Aggressive – Growth Focus, Balanced – General Focus, etc.) This profile is determined by the user and may or may not be appropriate for the user (for example, a user may wish to run the Constructor numerous times using different investor profiles). This tool is for research purposes only and any output is not a recommendation to buy, sell or hold any stock, and does not suggest appropriate weightings. Rather, the companies highlighted align with Lincoln’s investment approach and are displayed relative to the risk, return and income preference identified as objectives of the profile selected.
For an explanation of Lincoln’s Investment Process click here. To learn more about the Constructor click here.
The Portfolio Optimiser
The Portfolio Optimiser produces a list of suggested stocks (“Optimised suggestions”) that may be considered as part of a portfolio. The inclusion of a stock is not a recommendation to buy the stock. Rather, the inclusion of a stock in the list of “Optimised suggestions” means that the stock aligns with Lincoln’s investment approach and relative to the risk, return and income preference identified as objectives of the profile selected are stocks to consider for further research. This does not necessarily mean that the portfolio or the stock is appropriate for the user.
For an explanation of Lincoln’s Investment Process click here. To learn more about the Optimiser click here.
Status
The Status (shown as green, orange or red indicators) as used in thee Portfolio Constructor and Optimiser is not a recommendation to buy, hold or sell any particular stock. Rather, the Status shows how a particular stock aligns with Lincoln’s investment approach and the relative risk, return and income preferences identified as objectives of the profile selected by the user.
SD30TSR and SDMAX Indicators
The SD30TSR and SDMAX Indicators (Indicators) have been identified through a rigorous research process using historical price data against Star Stock selections. Each Indicator has its strengths and weaknesses. The information contained within the Indicators is for general information purposes only. It is not intended as investment advice, or as recommendations to buy, sell or hold a stock and is not to be relied upon as such.
Past performance is not an indication of future returns.
For further information on the Indicators click here for our Stock Exit/Re-entry Strategies White Paper.
Contact our office should you require assistance on how to apply these indicators correctly or click here for the SDMAX help file and/or click here for the SD30TSR help file.
Liability
Lincoln specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, or use of the Portfolio Constructor, Portfolio Optimiser, and Indicators.
Except as provided by consumer protection law, under no circumstances will Lincoln Indicators and its related companies be liable for any loss or damage caused by a client’s use or access to the Portfolio Constructor, Portfolio Optimiser and Indicators.
Information about financial services we provide
Please refer to our Financial Services Guide that sets out information about Lincoln Indicators Pty Ltd and the services we (or our representatives) offer under an Australian Financial Services Licence (AFSL 483167) issued to Lincoln Financial Group Pty Ltd (ABN 70 609 751 966). It will assist you in deciding whether to obtain financial services from us.
Lincoln Managed Funds
This website contains references to Lincoln Australian Growth Fund, Lincoln Australian Income Fund and the Lincoln U.S. Growth Fund Hedged and Lincoln U.S. Growth Funds Unhedged (the ‘Funds’). The Investment Manager of the Funds is Lincoln Indicators Pty Ltd as Corporate Authorised Representative of Lincoln Financial Group Pty Ltd. The Responsible Entity of the Funds is Equity Trustees Limited ABN 46 004 031 298, AFSL 240975.
None of Lincoln Indicators Pty Ltd, Lincoln Financial Group Pty Ltd, Equity Trustees Limited or their directors, employees or agents guarantees the performance or repayment of capital or income invested either of these Funds. Investments can go up and down. Past performance is not a reliable indicator of future performance.
Lincoln Indicators Pty Ltd, as Investment Manager, will be remunerated on the basis of funds invested in either of these Funds.
Lincoln also has an arrangement with the Wealthtrac Portfolio Service and the operators of any master trust, wrap account or IDPS that makes the Funds available to investors, and will receive remuneration for its investment management and associated administration services. This remuneration will usually be a percentage of the monies invested.
Before you acquire any financial product or service
Before making a decision about whether to acquire or continue to hold a product or service (including one of the Funds, a master trust, wrap account or Investor Direct Portfolio Service (IDPS), you should read and consider the relevant Fund’s Product Disclosure Statement (PDS) and Reference Guide (where relevant) or other disclosure documents relevant to the master trust, wrap account or IDPS.
Other
Lincoln Indicators Pty Ltd, Lincoln Financial Group Pty Ltd, any employees and/or associates of these entities, may hold interests in ASX listed companies referred to on this website. This position could change at any time without notice.
Third Party Data Carrier Disclaimer
You acknowledge that Lincoln obtains data from carriers such as the Australian Securities Exchange Ltd, ASX Operations Pty Ltd and other relevant exchanges and bodies. Lincoln will not be liable to you for any failure to supply the data provided by the above-mentioned carriers or any failure in the operation of the software where that failure arises as a result of any non-supply of the necessary data from the appropriate carrier. You must not supply any of the data provided by one of the above-mentioned carriers to any other person. The material supplied by ASX Operations Pty Ltd is subject to a claim of copyright and is published under licence from that company. ASX Operations Pty Ltd shall be under no liability whatsoever for any loss suffered by any person, whether arising from negligence or otherwise from the use of or results obtained from material supplied by ASX Operations Pty Ltd.
Foreign Exchange, International Commodities and International Indices information in the software is made available under licence from InfoDirect Limited (a New Zealand registered company numbered 664861).
ASX-listed company data is copyright and provided by Morningstar Australasia Pty Ltd (“Morningstar”) © 2014 ABN: 95 090 665 544, AFSL: 240892 (a subsidiary of Morningstar, Inc). All rights reserved. The data and content are provided by Morningstar, its affiliates or associated content providers. None of Morningstar, its affiliates and their content providers guarantee the data to be accurate, complete or timely nor will they have any liability for its use or distribution. Some of the material provided is published under licence from ASX Operations Pty Limited ACN 004 523 782 (‘ASXO’).
Consensus target data is copyright, Thomson Reuters. All Rights Reserved. Use, duplication or sale of this service or data contained herein is strictly prohibited.
InfoDirect Limited, Morningstar and Thomson Reuters are each a third party data carrier under this agreement.
Data provided by a third-party data carrier must not be reproduced, rewritten, copied, re-sold, re-distributed, framed, linked, or made available to any other person.
Neither Lincoln nor any third-party data carrier will be liable to you for any failure to supply the data provided by the third-party data carrier or any failure in the operation of the software where that failure arises as a result of any non-supply of the necessary data from the appropriate carrier.
Neither Lincoln nor any third-party data carrier will be under any liability whatsoever for any loss suffered by any person whether arising from negligence or otherwise for any errors or omissions in, delay or interruption to, or for the use of or results obtained from, data supplied by a third-party data carrier.
Complaints Policy
28 February 2023
Our complaints culture
Lincoln Indicators clients are at the heart of our business and what we do. However, we know that sometimes things don’t go as planned, and we encourage everyone to discuss any concerns or feedback with us. At Lincoln Indicators, we prided ourselves on the positive complaints culture and welcomed feedback from all our clients, which has resulted in much of our product development. So we want to make it as easy as possible to provide feedback or make a complaint.
This Complaints Policy outlines
- How to make a complaint;
- Additional assistance to make a complaint;
- Key steps for dealing with your complaint, including response times; and
- How to access AFCA when your complaint is not resolved.
How to make a complaint
Firstly we encourage you to contact your direct relationship manager at Lincoln Indicators as soon as possible with any feedback or concerns via email or request to speak with them by calling 1300 261 680. Many concerns are due to miscommunication or a misunderstanding and can easily be rectified with a quick conversation. However, if you remain dissatisfied with the matter raised or would like to lodge an official complaint with us, please follow the steps below:
Contact Lincoln’s Membership Services Team either:
enquiries@lincolnindicators.com.au
- Telephone
1300 261 680
- In writing to
Complaints Manager, Lincoln Indicators Pty Ltd, Level 2, 379 Collins Street, Melbourne VIC 3000
Additional assistance to make a complaint
If you are deaf or have a hearing or speech impairment, you may like to use the National Relay Service (NRS). The NRS can be contacted at 1300 555 727.
The provides interpreting services to people who do not speak English and to agencies and businesses that need to communicate with their non-English speaking clients. TIS National can be contacted on 13 14 50.
Please let us know if you need additional assistance to make a complaint, and we will let you know the options available. We always aim to accommodate any request to make it easy for you to complain.
Key steps for dealing with your complaint
We will first acknowledge your complaint within one business day of receipt or as soon as practicable and endeavour to resolve your complaint within five business days of receiving it.
- If we cannot resolve your complaint within five business days, we will provide an official written communication within 30 days of receiving the complaint.
The internal complaints team will still acknowledge your complaint within one business day of receipt or as soon as practicable, informing you of who will handle your complaint and investigate your complaint by reviewing and assessing all relevant information. A final response will then be provided informing you of the outcome, the reason for the decision and how to escalate to AFCA if you are not satisfied with the complaint outcome.
In rare circumstances where we cannot respond within 30 days of receiving the complaint, we will notify you of the delay and expected timeframe, including the reason for the delay and your right to complain to AFCA if you are dissatisfied with the delay and their contact details.
Access AFCA where your complaint is not resolved
If you are not satisfied with the outcome of the complaint by Lincoln Indicators, you have the right to take your complaint to the Australian Financial Complaints Authority (‘AFCA’). The contact details for AFCA are as follows:
- Website
www.afca.org.au
info@afca.org.au
- Telephone
1800 931 678 (free call)
(03) 9613 6399 (Fax)
- In writing to
Australian Financial Complaints Authority GPO Box 3, Melbourne, Victoria, 3001
Time limits may apply to complaints to AFCA. You may wish to consult the AFCA website or contact AFCA directly to find out if there is a time limit on lodging a complaint with AFCA.
The Australian Securities and Investments Commission (ASIC) also has an Info line number 1300 300 630, which you may use to make a complaint and obtain information about your rights.