These are the terms and conditions for using this site and accessing the information contained on this site.

1. Personal Financial Services Ltd and its authorised representatives:

(a) do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
(b) may change and update the information from time to time;
(c) make no representation concerning, and are not responsible in any way, for the content of any other site you access via this site; and
(d) own the copyright in the information on this site.

2. Users must not use or reproduce any of the trademarks that appear on this site.
3. Users of this site must not:

(a) do anything to alter or modify the information on this site;
(b) use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
(c) distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
(d) post any defamatory material, 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 the material on this site for their personal use only other than material where a notice to that effect prohibits this.
5. The information on this site is made available to residents of Australia and its territories. It is not intended as a recommendation, offer or invitation to take up securities or other investments.
6. Personal Financial Services Ltd are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site, including, without limitation, any negligence by Personal Financial Services Ltd.
7. Unless otherwise stated, All references on this site to “$” or “dollars” are references to Australian currency.
8. Users of this site agree to indemnify Personal Financial Services Ltd from all liability, cost and expense (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.
9. Personal Financial Services Ltd do not endorse and is not responsible for information, feedback, questions or comments placed on this site by third parties. Personal Financial Services Ltd can reproduce, use, disclose and distribute the information to others at their discretion.
10. 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 Personal Financial Services Ltd and other organisations (unless otherwise expressly stated). Personal Financial Services Ltd does not control and is not responsible for the content of any other site accessed via this site.
11. You consent to Personal Financial Services Ltd monitoring your site use.