We are an authorised representative of Charter Financial Planning Limited ABN 35 002 976  294 AFS Licence and Australian Credit Licence no. 234665 (“our Licensee”), as shown in our  Financial Services & Credit Guide. 

 

Your access to this website is subject to these terms and conditions, our Privacy Policy,  notices, disclaimers and any other terms and conditions or other statements contained on this  website (referred to collectively as "Terms and Conditions"). By using this website you agree  to be subject to the Terms and Conditions. 

 

The information on this website is based on the Australian financial services framework.  

 

No personal financial or investment advice provided to you 

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Unless otherwise expressly stated to the contrary, this website is not designed for the purpose  of providing personal financial or investment advice. The information provided does not take  into account your particular investment objectives, financial situation or investment needs. 

 

You should assess whether the information on this website is appropriate to your particular  investment objectives, financial situation and investment needs. You should do this before  making an investment decision on the basis of the information on this website. You can either  make this assessment yourself or seek the assistance of an adviser. 

 

Unless otherwise expressly stated to the contrary, the information on this website is not a  recommendation or a statement of opinion to make a decision about a financial product or a  class of financial products or to invest in any investments, securities or financial products  offered by any product issuer, including AMP Limited (ABN 49 079 354 519) (“AMP”) or a  member of the AMP group of companies. 

 

Investment performance 

 

Unless otherwise stated to the contrary, neither we nor the Licensee guarantees any particular  rate or return, the performance of any investment or the repayment of capital from any  investment. Investments are subject to possible risks, including delays in repayment and loss of  income or capital invested. 

 

Third party offers and links to other websites 

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This website may contain references to other special offers or promotions by third parties that have not been verified by us or our Licensee. The website may contain links to other websites  or pages of third parties. Neither we nor our Licensee are responsible for the content of any  third-party websites or pages linked to or linking to this website. Such links are provided for  convenience and information purposes only. Neither we nor our Licensee endorse, approve or  recommend the operators of third-party websites or the content of those websites.

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Subject to any applicable law which cannot be excluded, we make no warranties or  representations regarding the quality, accuracy, merchantability or fitness for purpose of the  goods or services available from third parties. Your obtaining of goods or services from third  parties is at your own risk. You indemnify us and our Licensee against all liability, loss, damage,  cost and expense arising from or relating to your obtaining goods or services from a third party  referred to in this website. 

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This website may also contain references to offers or promotions by us, or links to pages owned  and/or operated by us for services unrelated to our authorisations from our Licensee. Our  Licensee does not endorse or recommend and is not responsible for the offers, promotions or  content on the websites linked from or linking to this website for these unrelated services.  

 

You may not use this website or provide a link to this website on another website, where the  use: 

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1. contains any material that is offensive or distasteful; 

2. contravenes any law; 

3. disparages or adversely affects us or our Licensee’s brand or reputation or the services  that we provide; 

4. makes any representations about us or our Licensee or the services we provide,  including any representations of any endorsement, sponsorship, affiliation or approval of you or  the website by us or our licensee; 

5. passes off our or AMP’s documents or information as your own. 

 

Following links to any other websites or pages or linking this website to another website is  entirely at your own risk and neither we nor our Licensee shall be responsible or liable for any  losses, damages or expenses arising in connection with such linking. If you wish to link to this  website, you must first seek our written approval. 

 

Disclaimer and limitation of liability 

 

To the maximum extent permitted by law, neither we nor our Licensee will be liable in any way  for any loss or damage suffered by you through use or access to this website, or our failure to  provide this website. Our liability for negligence, breach of contract or contravention of any law  

as a result of our failure to provide this website or any part of it, or for any problems with this  website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent  permitted by law, to resupplying this website or any part of it to you, or to paying for the  resupply of this website or any part of it to you. 

 

General conditions 

 

These Terms and Conditions are governed by the law in force in the <Enter the state your  practice is based in>, and the parties irrevocably submit to the non-exclusive jurisdiction of the  courts of <Enter the state your practice is based in> and courts of appeal from them for  determining any dispute concerning the Terms and Conditions. 

 

These Terms and Conditions can be modified at any time by us and you agree to continue to be  bound by these Terms and Conditions as modified. We will give you notice of these changes by  publishing revised Terms and Conditions on this website. We will not separately notify you of  these changes. 

 

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or  illegal in a jurisdiction, it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any  other jurisdiction is not affected. This clause has no effect if the severance alters the basic  nature of the Terms and Conditions or is contrary to public policy. 

 

Copyright 

 

Except where necessary for viewing, the information on this website on your browser, or as  permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and  Conditions, no information on this website may be reproduced, adapted, uploaded to a third  party, linked to, framed, performed in public, distributed or transmitted in any form by any  process without the specific written consent of the owner of the copyright in that material.