Terms & Conditions

Financial-planner.com.au is an educational website provided by Financial Spectrum Pty Ltd.  Financial Spectrum Pty Ltd (ABN 30 149 141 971) is a Corporate Authorised Representative of Spectrum Wealth Advisers (AFS Licence: 334400). 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. By using this website you agree to be subject to the Terms and Conditions.

Access

The products and services described in this website are only available to persons accessing the website from within Australia.

No investment advice provided to you

Unless otherwise stated, the information provided on this website is not designed for the purpose of providing personal financial or investment advice. Any information provided is for educational purposes and does not take into account your personal investment objectives, financial situation, or investment needs.

Investment performance

Financial Spectrum cannot guarantee any particular rate or return, performance of any investment or the repayment of capital from any investment. All investment is subject to risk. Possible risks may include delays in repayment and loss of income or capital invested. Any previous performance should not be used as an indication of future performance.

Conditions of use

The Financial Spectrum website is governed by Conditions of Use. Your use of Financial Spectrum’s website indicates your acceptance of these Conditions of Use including any changes made to them.

Disclaimer

To the extent permitted by law, Financial Spectrum and its related companies accept no liability for any loss or damage (including indirect, special or consequential loss or damage to any person):
1. Arising from the use of or reliance upon information contained in or accessed through the financial-planner.com.au website.
2. Should the financial-planner.com.au website be unavailable or not be available in its entirety, and
3. As a result of any virus, program bugs or similar causes.

Trademarks & Copyright

Financial Spectrum owns trademarks which are registered or under application. Some of those trademarks are used in the financial-planner.com.au website. You are not permitted to use Financial Spectrum’s trademarks without its consent, unless such use is otherwise expressly permitted by this website or by law. The financial-planner.com.au website and its contents are copyright to Financial Spectrum, or in some cases to other parties. You are entitled to save and or print part or all of the financial-planner.com.au website for your own information but you are not entitled to alter it.

Changes to Conditions of Use

You agree that Financial Spectrum may at any time vary these conditions of use by publishing the varied conditions of use on the financial-planner.com.au website. The right of Financial Spectrum to vary these conditions of use includes adding to and expanding them as the information and functions available through the financial-planner.com.au website change.

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