The MFG Advice website ("this website") is owned and operated by MFG Advice Pty Ltd (ABN 76 618 661 108) (MFG Advice). Your access to this website is subject to these terms and conditions, the MFG Advice Privacy Statement, 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. 1. Access from within Australia only This website is only for the use of persons accessing the website from within Australia. The services and products described in this website are only available to persons accessing the website from within Australia. 2. Advice warning The information provided on this website is of a general nature only. Unless otherwise expressly stated to the contrary, this website is not designed for the purpose of providing personal financial or investment advice. Information provided does not take into account your investment objectives, financial situation or needs. You should assess whether the information on this website is appropriate to your investment objectives, financial situation and needs, before making an investment decision or taking any action based on the information on this website. You can either make this assessment yourself or seek the assistance of any adviser. Unless otherwise expressly stated to the contrary, the information on this website is not a recommendation to invest in any investments, securities or financial products offered by any member, employee, shareholder or Director of MFG Advice. 3. Products and Services Unless otherwise stated to the contrary, MFG Advice does not guarantee any rate or return, the performance of any investment or the repayment of capital from any investment. Investments are subject to investment and other risks. This could involve delays in repayment and loss of income or capital invested. 4. Third party offers and links to other websites This website may contain references to other special offers or promotions by persons who are not part of MFG Advice and may contain links to other websites or pages that are not operated by MFG Advice. Such links are provided for convenience and information purposes only. MFG Advice has not verified, and is not responsible for, the content of any other websites or pages linked to or linking to this site. MFG Advice does not endorse, approve or recommend the operators of those websites or the content of those websites. Subject to any applicable law which cannot be excluded, MFG Advice makes no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from these persons. Your obtaining of goods or services from these persons is at your own risk. You indemnify each member, employee, shareholder or Director of MFG Advice 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. If you provide a link to this website on another website(Site), you must ensure that this Site does not contain any material that is offensive or distasteful, contravenes any law, disparages or adversely affects the brand or reputation of MFG Advice or any of the services offered by Advices Services Australia, or makes any representations about MFG Advice or its goods or services, including any representations of any endorsement, sponsorship, affiliation or approval of you or the Site by MFG Advice or passes off MFG Advice's documents or information as your own. Following links to any other websites or pages or linking this website to another Site is entirely at your own risk and MFG Advice will not be responsible or liable for any losses, damages or expenses arising from such linking. 5. Investment performance Unless otherwise stated to the contrary, MFG Advice does not guarantee any rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other risks. Possible risks could include delays in repayment and loss of income or capital invested. 6. Disclaimer and limitation of liability To the maximum extent permitted by law, MFG Advice will not be liable in any way for any loss or damage suffered by you through use or access to this website, or MFG Advice’s 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. 7. General conditions These terms shall be interpreted according to the laws of Australia and the parties agree to submit to the exclusive jurisdiction of the Australian courts. This agreement shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is hereby expressly excluded. These Terms and Condition can be modified at any time by MFG Advice 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 then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. 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. 8. Copyright Except where necessary for viewing the documents or information on the adviceservices.com.au website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms and Conditions, no documents or information on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed, stored, published, displayed or transmitted in any form by any process and you may not create derivative works from any part of this website or commercialise any information obtained from any part of this website without the specific written consent of MFG Advice or, in the case of third party material, from the owner of the copyright in that material.