Website Terms & Conditions

 

Important Information and General Advice Warning

The information provided on this website is intended to provide general information only.  To the extent to which any information may constitute financial product advice, it is “General Advice” only because it has been provided without considering any of your objectives, financial situation or needs. 

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Before relying on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs. In all cases we would recommend that you obtain professional advice related to your circumstances, needs and objectives before relying on the information contained on this website.  If you fail to obtain professional advice you risk engaging in conduct such as acquiring, holding or disposing of a financial product in a manner that is not suitable for you and which may cause you financial detriment or loss.   

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If you are considering acquiring, holding or disposing of a financial product you should consider reading the financial product’s most current Product Disclosure Statement (PDS) – if the financial product does have a PDS.  We may be able to assist you in obtaining the financial product’s PDS.

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The information contained on this website is provided in order to promote discussion and consideration of the published issues.  The website does not contain information upon which you can rely and act without first obtaining professional advice, and we make no representations or warranties as to the accuracy, completeness or reliability of the information at any given time.  When considering investments and investment markets it is important to note that they can be volatile and unpredictable and may vary without notice. 

 

Limitation of Liability

We recommend that you seek professional advice before relying on any information on this site.  To the maximum extent permitted by law, we and QA Insurance Pty Ltd disclaims liability and responsibility for any direct or indirect loss or damage which may be suffered as a result of you relying on anything on this website.

 

Projections, Estimates and Financial Modelling Tools (calculators)

This website may contain information about financial products that include projections and future estimates and financial tools such as calculators.   It is important to note that this information is in the nature of financial modelling or provided to you to assist you to conduct financial modelling and consideration of “what if” type scenarios.  It is done to promote further discussions.  Projections and future estimates do not represent either forecasts or predictions.   We cannot and do not guarantee the future financial performance of any financial products or strategies.  The future performance of financial products may bear no relationship to their past financial performance.  Future financial performance and your future circumstances will depend on the general economy, the regulatory environment, numerous decisions you make, and the performance of the relevant financial products.  These matters are not within our control. 

 

Privacy / Information Handling Policy 

We respect your privacy and are committed to ensure that any Personal Information we collect about you is handled consistent with the principles of the provisions of the Privacy Act 1988 and the Australian Privacy Principles and any other applicable privacy-related laws. Further information on how we handle your personal information is explained in our Privacy Policy which can be accessed on this website or by contacting our office. 

 

Website Content 

 The materials displayed on this site including without limitation all information, text, materials, graphics, software, advertisements, names, logos and trademarks (if any) on this site (Content) are protected by copyright, trademark and other intellectual property laws unless expressly indicated otherwise.  You must not modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute this content in any way except as expressly authorised in writing by us or QA Insurance Pty Ltd.  You may view this site using your web browser and save an electronic copy, or print out a copy, of parts of this website solely for your own information, research or study, but only if you keep all content intact and in the same form as presented on this site (including without limitation all copyright, trademark and other proprietary notices and all advertisements). You must not use this site or the information on this site in any manner or for any purpose which is unlawful or in any manner which violates any of our rights or the rights of QA Insurance Pty Ltd. 

 

Advertising and Links to Other Websites  

This site may contain links to third-party sites. These linked websites are not under our control or the control of QA Insurance Pty Ltd (QA) and neither we nor QA is responsible for the content of any linked website or any hyperlink contained in a linked website.  We provide these hyperlinks to you as a convenience only and the inclusion of any link does not imply any endorsement of the linked website by us or QA. A link made to any such website is entirely at your own risk. 

 

The information on this website is provided for Australian residents only, and where indicated, may be limited to specific States and Territories of Australia. The law applicable to Western Australia will apply to this website unless expressly provided to the contrary. 

 

QA Insurance Pty Ltd as trustee for the QA Insurance Trust (ABN: 59 644 299 394; Corporate Authorised

Representative Number:1293763) (QA Insurance) is an Authorised Representative of QA Insurance Pty Ltd (ABN 59 644 299 394, AFSL 542245). This document has been prepared by QA Insurance Pty Ltd.

QA Insurance advisers are Authorised Representatives of QA Insurance Pty Ltd. Information in this document is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by QA Insurance Pty Ltd, its related entities, agents and employees for any loss arising from reliance on this website.