Website disclaimer
This disclaimer sets out important information about the conditions under which this website and its content are made available by the Company. By accessing or using the site, users acknowledge that they have read, understood and agree to be bound by this disclaimer, together with the Terms and Conditions and Privacy Policy, as amended from time to time. If a user does not agree with any part of this disclaimer, they should refrain from using the website.
Effective date:
Effective from October 28, 2026 for all users
Last updated: Last reviewed on October 28, 2026
Important warning
Use of this website is at the user’s own risk and subject to this disclaimer.
No content on this website constitutes personal financial, legal, tax or other professional advice. Past performance does not guarantee future results and results may vary.
General notice
This website is provided by the Company on an informational basis only. The content, tools and materials made available are intended to offer general insights into long term wealth planning and related topics. They are not designed to replace professional advice or detailed analysis specific to any user. Use of the site is voluntary and at the user’s own risk. By accessing or using any part of the website, users acknowledge that no client, advisory or fiduciary relationship is created solely through viewing or interacting with the content. Users remain responsible for obtaining their own advice and for complying with all applicable laws and internal policies relevant to their circumstances.
Limitations of liability
The website and its content are provided on an “as is” and “as available” basis, subject to any non excludable rights under applicable law. Users should carefully consider the limitations and exclusions set out below when deciding how to use the information presented.
- To the maximum extent permitted by law, the Company excludes all liability for any direct, indirect, incidental, consequential, special or punitive loss or damage arising out of or in connection with access to, use of, or inability to use this website or any content. This includes, without limitation, loss of data, loss of opportunity, interruption of business or reputational harm, whether based in contract, tort, statute or otherwise.
- The Company does not warrant that the website will be uninterrupted, secure, error free or free from viruses or other harmful components. Users are responsible for implementing appropriate technical safeguards, including up to date security software and backup procedures, to protect their systems and data.
- Where liability cannot be fully excluded under applicable law, it is limited, to the extent permitted, to the resupply of the relevant services or the reasonable cost of having the services supplied again, at the discretion of the Company. Nothing in this disclaimer seeks to exclude liability that cannot be excluded under statute.
- Users acknowledge that reliance on any information obtained from or through the website is at their own risk. The Company is not responsible for any decisions, actions or omissions taken in reliance on the content, nor for any outcomes that may follow. Past performance does not guarantee future results and results may vary across different circumstances and time periods.
Information accuracy notice
The information published on this website is intended to be general in nature and is provided for informational purposes only. Although the Company endeavours to maintain content that is current, accurate and reliable, no representation or warranty is given, either express or implied, regarding completeness, timeliness, suitability or accuracy. Users should independently verify any information that is material to their decisions before relying on it.
The Company accepts no responsibility for any loss arising from reliance placed on information or materials contained on this website. Any use of the content is at the user’s own discretion and risk, and should be supported by independent verification and professional advice.
No professional advice
The content of this website does not constitute professional advice of any kind. It should not be relied upon as a substitute for consultation with qualified professionals, including licensed financial advisers, legal practitioners, tax specialists or other appropriately accredited experts. Users should obtain advice tailored to their particular circumstances before making any decisions that could affect their financial position, legal rights or obligations.
External links
This website may contain links or references to external websites or resources operated by third parties. These links are provided solely for convenience and informational purposes. The Company has no control over, and is not responsible for, the content, security, accuracy or availability of any external sites. Inclusion of a link does not imply endorsement, recommendation or approval. Users access external sites at their own risk and should review the applicable terms and policies of those third parties.
Illustrative examples only
Examples, scenarios and case descriptions included on this website are illustrative and do not represent actual client results. They are provided to explain concepts in a simplified manner. Outcomes experienced by any organisation or individual will depend on a wide range of factors, many of which are outside the control of the Company. Past performance does not guarantee future results, and results may vary.
Variation of results
Different users may experience different outcomes even where similar approaches or processes are followed. Market conditions, regulatory developments, organisational decisions and behavioural factors can all influence results. Accordingly, no assurance is given that any particular outcome, level of performance or objective will be achieved through the use of information obtained from this website.
Financial and planning disclaimer
Content on this website may include general commentary about financial markets, long term wealth planning concepts, savings behaviour or capital allocation principles. This material is not tailored to the circumstances of any particular individual, entity or situation and does not constitute personal advice, financial product advice, tax advice or legal advice.
- Nothing on this website should be interpreted as a recommendation to buy, sell or hold any financial product or to implement any specific course of action. Users should obtain independent professional advice that takes into account their objectives, financial situation and needs before making any financial or investment related decision. Past performance does not guarantee future results and results may vary.
- Any references to scenarios, projections or potential outcomes are illustrative only and are based on assumptions that may not reflect future events or actual conditions. They are not forecasts, promises or guarantees. Market conditions, regulatory settings and individual circumstances can change without notice, which may materially affect outcomes.
- The Company does not provide, operate or promote trading platforms, financial products, loans, credit facilities or structured learning programs. Any analytical reviews or discussions mentioned are general in nature and are not a substitute for independent professional advice from licensed or appropriately qualified advisers.
Governing law and jurisdiction
Use of this website and any dispute or claim arising out of or in connection with it is subject to the laws and regulatory framework of the relevant jurisdiction specified by the Company.
Unless otherwise stated, this website is intended for use by persons located in Australia. The laws of Australia govern this disclaimer and any non contractual obligations arising out of or in connection with it, without regard to conflict of laws principles. Users accessing the site from other jurisdictions do so on their own initiative and are responsible for compliance with local laws where they apply. Any disputes shall be subject to the non exclusive jurisdiction of the courts of the relevant Australian state or territory determined by the Company.
To the extent permitted by law, this disclaimer operates in addition to any non excludable rights or remedies available under Australian consumer protection legislation. Nothing in this disclaimer is intended to exclude, restrict or modify any condition, warranty or guarantee that cannot lawfully be excluded or limited under applicable law.
Users are responsible for ensuring that their access to and use of this website complies with all laws, regulations and internal policies applicable to them, including any rules set by regulators, industry bodies or organisations to which they belong. The Company does not represent that the content is appropriate or available for use in all locations or by all categories of users.
Indemnity
To the fullest extent permitted by law, users agree to indemnify and hold harmless the Company, its officers, employees and agents from and against any claims, liabilities, losses, damages, costs or expenses (including reasonable legal fees) arising out of or related to any breach of this disclaimer or misuse of the website. This includes use of the content in a manner inconsistent with applicable law, regulatory obligations or internal organisational policies.
Severability
If any provision of this disclaimer is found to be invalid, unenforceable or unlawful under applicable law, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable, or, if such modification is not possible, severed from the disclaimer. The remaining provisions shall continue in full force and effect.
Changes
The Company may update, modify or remove content on this website, including this disclaimer, at any time without prior notice. Changes take effect when they are published on the site, unless a later effective date is stated. Continued use of the website after changes have been posted constitutes acceptance of the revised disclaimer. Users are encouraged to review this page periodically to stay informed about current terms.
Contact
Questions regarding this disclaimer or the terms under which the website is provided may be directed to the Company using the contact details set out on the contact page. The Company may request reasonable information to confirm identity before responding to any enquiry related to legal or compliance matters.