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Disclaimer

Important Information
We recommend that you read the information below, which we have prepared to protect your interests.

If you have any questions about this material, please contact the Compliance Officer at Totally Integrated Financial Planning Pty Ltd - 03 9563 9969.

General
This material has been prepared for general information and does not constitute a recommendation or financial advice and cannot be relied on as such. The information does not take into account the objectives and circumstances of the individual investor and we recommend that you consult a financial adviser prior to making an investment.

All references to dollars within this material are to Australian dollars unless otherwise stated.

Jurisdiction
The Site is prepared for and provided to residents of Australia only and should not be relied on by residents of any other jurisdiction.

Currency of Material
The Material is current only at the time it is placed on this website. Totally Integrated Financial Planning Pty Ltd, its related companies and their respective directors, officers, employees and agents are under no obligation to update the material or correct any inaccuracy, which may become apparent at a later time.

Copyright in Material
Copyright in the material reproduced on these pages is owned by Totally Integrated Financial Planning Pty Ltd. The material may be viewed on-line by means of an html web browser and may be reproduced in hard copy only for your personal reference. All other rights are reserved by Totally Independent Financial Planning Pty Ltd. Except to the extent otherwise permitted by the Copyright Act 1968 (Cth), the material may not otherwise be reproduced or displayed in public and may not be distributed or transmitted electronically to any other person or incorporated by any means into another document or material, including other websites, advertising, trade marks, or logos.

Virus Warning
Totally Integrated Financial Planning Pty Ltd does not represent or warrant that any files or software obtained from or through this site are free from computer viruses or defects. To the extent permitted by law, Totally Independent Financial Planning Pty Ltd excludes all liability for any loss or damage (including consequential loss) in relation to any use of such files or software.

Loss or Damage to Your Systems
You agree to use and link to Totally Integrated Financial Planning Pty Ltd's site at your own risk. Totally Integrated Financial Planning Pty Ltd will not be liable for any loss or damage from any cause (including negligence) to your system or web-site, or to people linking to us from your web-site, caused by or in connection with the use of or a link to Totally Integrated Financial Planning Pty Ltd's site. Any such loss or damage will be your responsibility. Totally Integrated Financial Planning Pty Ltd advises you to take your own precautions in relation to protecting your system or web-site from viruses or malfunction

Reliability and Accuracy of This Material
The material is made available in good faith by Totally Integrated Financial Planning Pty Ltd (ACN 062 230 424) and has been derived from sources believed to be reliable and accurate. The material must be construed as general statements of opinion and not statements of fact or recommendations to purchase sell or hold any investment. It is not intended to be a complete description of the matters described and Totally Integrated Financial Planning Pty Ltd assumes no responsibility for updating any information contained in this material or for correcting any error or omission which may become apparent after the material has been issued.

Totally Integrated Financial Planning Pty Ltd does not give any warranty as to the accuracy, reliability or completeness of this material. Except in so far as liability under any statute cannot be excluded, Totally Integrated Financial Planning Pty Ltd and its directors, employees and consultants do not accept any liability (whether arising in contract, or tort or negligence or otherwise) for any error or omission in this material or for any resulting loss or damage (whether direct, indirect, consequential or otherwise) suffered by the recipient of this material or any other person.

Material Not Financial Advice
Before you make any investment decision on the basis of this information, you should obtain professional advice as to whether that information is appropriate for your particular needs, investment and financial situation.

No Investment Advice
This information is not intended to be relied upon for the purpose of making an investment decision. This material provides general information only and does not constitute financial advice or a recommendation in respect of any product and should not be relied upon as such. If you are in any doubt as to whether an investment is appropriate having regard to your investment objectives, financial position and needs, you should contact your financial planner. This material does not take into account the particular information an individual investor may require to make an investment decision.

Peformance of the Funds
Totally Integrated Financial Planning Pty Ltd or any other person does not guarantee the performance of the funds. Investments in the Funds are not deposits with or other liabilities of Totally Integrated Financial Planning Pty Ltd, and are subject to investment risk including possible delays in repayment or loss of income or capital invested. Totally Independent Financial Planning Pty Ltd guarantees neither the repayment of capital nor the investment performances of the Funds.

Acknowledgement
I have read and understood the information contained in this Internet Disclosure Page. I acknowledge my acceptance of the terms set out above, and confirm that I am an Australian resident accessing this material in the Commonwealth of Australia.