Terms & Conditions


General Advice Warning

While Financial Affairs Pty Ltd (Financial Affairs) ABN 52 090 647 984, has taken all due care in preparing the information for this site, it has not taken into account any particular person’s objectives, financial situation or particular needs. The information provided on this website is general in nature and does not constitute financial advice. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or particular needs. We recommend investors obtain financial advice before making any financial investment or insurance decision. Financial Affairs will make every effort to update the website as needed. However, information can change without notice and Financial Affairs does not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time.

Terms and Conditions

These are the terms and conditions for use of this site and access to the information contained on this site. Financial Affairs Pty Ltd (Financial Affairs) ABN 52 090 647 984 does not guarantee that the information in this site is free from errors or omissions or is suitable for your intended use.

1. Financial Affairs, and its authorised representatives:

i. Do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;

Ii.May change and update the information without notice;

iii.Make no representation in relation to, and are not responsible in any way, for any other site you access through this site;


iv.Own the copyright in the material available on this site.

2.Any trademarks appearing in this site are the trademarks of Financial Affairs or a third party. Users must not use or reproduce any of the trademarks that appear in this site.

3.Users of this site must not:

i.Do anything to alter or modify the information in this site;

ii.Use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary;

iii.Distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;

iv.Post any material, which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in, any way unlawful or inappropriate.

4.Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect in this site.

5.Financial Affairs is not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Financial Affairs.

6.Users of this site agree to indemnify Financial Affairs from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed in the site by the user or from the alteration, modification of or addition to material on the site by the user.

7.No information, feedback, questions or comments placed on this site by any person other than Financial Affairs will be confidential or authorised or otherwise endorsed. Financial Affairs reproduce, use, disclose and distribute the information to others in their absolute discretion.

8.Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between Financial Affairs and the other organisation (unless otherwise expressly stated). Financial Affairs does not control and is not responsible for the content of any other site accessed via this site.

9.Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by Financial Affairs unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process without the specific written consent of Financial Affairs.

10.The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia (“Australian law”). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change.