The website www.privateinvestmentconsulting.com.au ('this website') is owned and operated by MLC Asset Management Services Limited (ABN 38 055 638 474 AFSL 230687) (MSL), a part of the IOOF group of companies (comprising IOOF Holdings Ltd ABN 49 100 103 722 and its related bodies corporate) (IOOF Group).
MSL may, at its sole discretion, amend or modify these Terms and Conditions without notice. Any subsequent access to, or use of the website by you, will constitute an acceptance of those amendments.
The information is believed to be accurate at the time of compilation and is provided by MSL in good faith. However, the use of this website is at your sole risk. Neither MSL, nor the directors and officers of MSL, nor the trustees or responsible entities of any funds, makes any representation or warranty as to the quality, accuracy, reliability, timeliness or completeness of material in the site or material in websites linked to this website, or guarantees the security of this website. Except in so far as liability under any statute cannot be excluded, MSL, its directors, employees, representatives and consultants do not accept any liability (whether arising in contract, tort, negligence or otherwise) for any error or omission in the material or for any loss or damage (whether direct, indirect, consequential or otherwise) suffered by you, the recipient of the information or any other person.
You release, discharge and indemnify MSL from and against any and all liabilities suffered or incurred by you or by MSL or any company within it (including, but not limited to, its directors, officers and employees) as a result of your use of this website.
You agree that where any other companies in the IOOF Group, is required by law or otherwise, to provide you with a document, you consent to the provision of the document electronically (whether by email or through links on this website).
General information only
The information contained in this website is of a general nature and is intended to be used for informational purposes only. It does not take into account the objectives, financial situation or needs of any investor, or purport to be comprehensive and should not be relied upon as such.
Before investing on the basis of the information on this website, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. You should obtain a product disclosure statement or other disclosure document relating to a particular product accessed on or through this website before making any decision about whether to acquire the product. You should consult a financial adviser to help you form your own opinion of the information, and on whether the information is suitable for your individual needs and aims as an investor. You should consult appropriate professional advisers on any legal, stamp duty, taxation and accounting implications of making an investment.
Third party information and materials
This website may contain information, articles and material that are written and prepared by people who are not employees or representatives of MSL. Such material is provided for your interest and convenience only. The material will be clearly identified as the product of an independent third party, and may be subject to additional terms and conditions specified by the relevant third party. MSL has not verified such information, articles or materials and is not responsible for the contents or accuracy of this material, and the opinions expressed in that material should not be taken as recommendations or opinions of MSL.
Any offer to invest in a product issued by MLC Investments Limited (ABN 30 002 641 661) (AFSL 230705) will be made in a copy of the current disclosure document (which include Product Disclosure Statements (PDS), where applicable) for the relevant fund. Anyone wishing to invest in a product will need to complete an application form in that current PDS or other disclosure document for the relevant product. Disclosure documents for registered schemes are issued by MLC Investments Limited (ABN) which is a part of the IOOF Group.
The disclosure document for each relevant product should be considered before deciding whether to acquire the product, or hold units in the funds. The disclosure documents can be accessed from this website.
Past performance is not a reliable indicator of future performance. The funds offered in any product disclosure document or other disclosure document available from this site are subject to investment risk, including possible delays in repayment of capital and loss of income and principal invested. The capital value, payment of income and performance of any such funds are not guaranteed. Neither MSL nor any other entity of the IOOF Group, nor any trustees or responsible entities of any products, guarantee the repayment of capital, payment of income, or the performance of any of the funds or any particular rate of return from the funds, or any taxation consequences of any investment in any of those funds which is made under such product disclosure document or other disclosure documentation.
The information contained on this website does not constitute a comprehensive taxation guide. As taxation legislation is complex, we recommend you contact your financial adviser, tax adviser or the Australian Taxation Office for further details and expert advice in relation to your personal circumstances.
Australian investors only
Unless specifically stated otherwise, this material is only prepared for residents of Australia. Applications to invest or for any products will only be accepted from Australian residents or as specified in the Product Disclosure Documents.
US persons and the rest of the world excluding Australia
Access to this website may be restricted by law in certain jurisdictions. In addition to any other restriction in these Terms and Conditions, this website cannot be accessed in the United States of America or its territories or possessions, nor can it be accessed by US persons. This website does not constitute an extension of an offer in the Unites States of America or to US persons.
Copyright, trademarks and intellectual property rights
Unless expressly stated, MSL is the owner or licensed user of the copyright and any intellectual property rights in any material, design, technology or concept contained on this website. All rights are reserved. You may use the information for your own personal reference only. You may reproduce the information in hard copy solely for your personal use. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, this website or any portion of this website may not otherwise be reproduced, adapted, distributed, displayed, or transmitted to any other person or incorporated in any way into another document or other material, without MSL's express consent.
These Terms and Conditions are governed by and are to be construed in accordance with the laws of New South Wales, Australia. You agree to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms and Conditions or this website.
Emails from MSL linked to this Important Notice
Private and confidential emails and any files transmitted with them are intended solely for the use of the addressee(s) and may contain information which is confidential or privileged. If you receive an email from MSL and you are not the addressee (or responsible for delivery of the email to the addressee), please disregard the contents of the email, delete the email and notify the author immediately.
Links to other sites
Links to other websites 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 MSL and any other organisation.
MSL does not control and is not responsible for the content of any other website accessed via this website. MSL makes no representations or warranties regarding the accuracy, quality, fitness for purpose, or merchantability of these third party websites, or any products or services which may be offered by these third party websites. This also applies to the contents of any videos on these third party websites. Any products or services obtained from these third parties are at your own risk. You agree to indemnify each company of the IOOF Group against all liability, damage, loss, cost and expense (however expressed) arising from or relating to your obtaining products or services from a third party whose site you have accessed from this MSL site.