1. Purpose and Nature of Information

This website, together with all materials, commentary, and content made available through it (the “Content”), is provided strictly for general informational and educational purposes only. Nothing contained on this website constitutes, or should be construed as, financial, legal, tax, investment, or other professional advice.

No assurance is given that the Content is suitable for your particular objectives, financial situation, or individual circumstances. Professional advice should be sought from an appropriately qualified adviser before acting upon any information derived from this website.

2. No Reliance or Duty of Care

Whilst reasonable care has been taken in the preparation of the Content, no warranty, express or implied, is given as to its accuracy, timeliness, reliability, or completeness. The Content may be modified, replaced, or withdrawn at any time without prior notice.

Your use of this website does not give rise to any client, advisory, fiduciary, or professional relationship. No duty of care is owed to any person accessing or relying upon the Content of this website, and you agree that you access the Content entirely at your own risk.

3. Limitation of Liability

To the fullest extent permitted by applicable law, the owner and operator of this website expressly disclaims all liability whatsoever for any loss, damage, or harm—whether direct, indirect, incidental, special, consequential, or otherwise—arising out of, or in connection with, your use of or reliance upon this website or its Content.

4. External Links and Third-Party Content

This website may include references or hyperlinks to third-party websites or external resources for convenience only. No endorsement, approval, guarantee, or responsibility is accepted in relation to the accuracy, legality, or appropriateness of any third-party content. Access to such third-party resources is at your own risk.

5. Email Communications, Data Use & Privacy

By voluntarily submitting your email address through this website, you acknowledge and expressly consent to its use for the purpose of sending you newsletters, educational insights, promotional materials, and other commercial communications.

You may opt out or unsubscribe from such communications at any time via the “unsubscribe” function provided in each email.

All personal data submitted will be processed in accordance with applicable privacy and data protection laws. We do not sell, lease, or otherwise disclose your personal information to unauthorised third parties. However, we may engage reputable third-party service providers to facilitate email marketing and customer relationship functions, who will be contractually bound to maintain the confidentiality and security of your data.

6. Governing Law and Jurisdiction

This website is operated in and under the jurisdiction of  The Commonwealth of Australia, and all matters arising from or in connection with this website, its use, or its Content shall be governed by and construed in accordance with the laws of that jurisdiction, without regard to principles of conflict of laws.

It is your responsibility to ensure that your access to this website and its Content complies with all applicable laws and regulations in your location.

7. Acceptance of Terms

By accessing and continuing to use this website, you confirm that you have read, understood, and agreed to be bound by the terms set out in this Website Disclaimer and Privacy Policy. If you do not accept these terms, you must refrain from using the website.