Terms & Conditions

Disclosure

Financial Wisdom Limited ABN 70 006 646 108, Australian Financial Services Licensee, 231138 (Financial Wisdom) is a wholly owned subsidiary of the Commonwealth Bank of Australia.

Acceptance and Changes to Terms & Conditions

You agree that your use of the Financial Wisdom web site indicates your acceptance of these Terms & Conditions and the Privacy and Security Statement.

These are the current Terms & Conditions. They replace any other Terms & Conditions for the Financial Wisdom web site published on the Financial Wisdom web site to date. Financial Wisdom may at any time vary the Terms & Conditions by publishing the varied Terms & Conditions on the Financial Wisdom web site. You accept that by doing this, Financial Wisdom has provided you with sufficient notice of the variation. Financial Wisdom reserves any rights not expressly granted in these Terms & Conditions.

Date of Publication: 29 March 2004.

Access for persons from Australia only

Financial Wisdom is not authorised to carry on business in any other jurisdiction. Accordingly, the information contained in this Internet site is directed to and available for Australian residents only.

General Information only

The information on this site is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives and should NOT to be construed as financial, taxation or legal advice.

Before acting on the basis of this information, you should consider its appropriateness for your own objectives, financial situation and needs. You should also obtain and read a copy of the relevant Product Disclosure Statement before making any decision to acquire a financial product

Accuracy of Information and Limitation of Liability

Financial Wisdom does not warrant the accuracy, completeness or currency of information that is made available through this site. Financial Wisdom will not be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this site. However, Financial Wisdom will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.
Financial Wisdom makes no warranty that the use or operation of this site will be uninterrupted or error free or that the site is suitable for any particular purpose or has any performance, functionality or security features except as we are required to provide by law. To the extent permitted by law Financial Wisdom’s liability is limited to resupplying the services accessible through this site.

Copyright

Financial Wisdom and related logos are trademarks registered in Australia. Copyright in the information provided on, and available from, this site is owned by Financial Wisdom. You may not alter or modify this information in any way. This information may be viewed on-line and may be reproduced in hard copy only for your personal reference. You may only use the trade marks and copyright material at this site with Financial Wisdom’s express permission and in accordance with Financial Wisdom’s directions from time to time. The use of, and creation of links to, this site (including use of Financial Wisdom trade marks and copyright material) are at the risk of the user and are subject to Financial Wisdom’s rights and the user’s general legal obligations. Financial Wisdom makes no warranty and accepts no liability in relation to use of the trademarks outside Australia. For further information about creating links to this site and about using Financial Wisdom trademarks and other material, contact Financial Wisdom on 1800 024 864.

Links to other Web Sites

This website may have links to other web sites, which are operated by third parties. Financial Wisdom does not endorse, or approve the information, graphics and materials, which may be contained on those web sites.

Furthermore, Financial Wisdom does not make any warranties or representations regarding the accuracy, quality or timeliness of such third party information.

Hence, we advise that you do not act on the information contained within these sites without obtaining independent legal advice.

Jurisdiction

Users of this Internet site covenant that all disputes will be governed by and construed in accordance with the laws of the State of New South Wales, Australia and all users and Financial Wisdom submit to the non-exclusive jurisdiction of the courts of that State.

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