Terms & Conditions

Finance

Astute Financial Management Pty Ltd | ACN 093 587 010 | Australian Credit Licence Number 364253

Financial Advice

Approved Financial Planning Pty Ltd | ABN 92 142 720 910 is a corporate authorised representative (#362051) of Alliance Wealth Pty Ltd ABN 93 161 647 007

Health insurance

Health Insurance products are underwritten by St Luke’s Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

General insurance

General Insurance provided by Astute Insurance Pty Ltd | ABN 59 622 582 236 | Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433

Aged Care

The information contained in this publication is based on the understanding Aged Care Steps Pty Ltd ABN 42 156 656 843 (AFSL 486723, registered tax (financial) advisers 25581502) has of the relevant Australian legislation as at October 2016. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Astute Brisbane Central not its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

General Advice warning

This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth Pty Ltd ABN 93 161 647 007 | AFSL No. 449221 its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

Factual information disclaimer

The information provided in this communication has been issued by and is factual information only. It is for use only. This communication cannot be used or copied in whole or part without our express written consent. It is based on our understanding of current regulatory requirements and laws as at the date of publication. You should form your own opinion and take your own legal, taxation and financial advice on the application of the information. Whilst all care has been taken in the preparation of this document (using sources believed to be reliable and accurate), to the maximum extent permitted by law, no person including Centrepoint Alliance Limited or any member of the Centrepoint Alliance Group of companies accepts responsibility for any loss suffered by any person arising from reliance on this information.

Using our website

When using this web site you agree to be legally bound by these terms and conditions as they may be modified and posted to our web site from time to time.

Without prejudice to the above, by using or accessing our website, you agree to be legally bound by these terms and conditions of use as they apply to your use of or access to our website.

If you do not wish to be bound by these terms and conditions then you may not use our website.

You must ensure that the personal information you provide is accurate and complete and that all registration details (where applicable) contain your correct name, address and other requested details. For more information about how we deal with your personal information (including other person’s on the policy), please read our privacy policy on this website.

Applicability of online materials

Unless otherwise specified the materials published on our web site are presented solely for your private, personal and non-commercial use.

We have used all reasonable endeavors to ensure that our web site complies with Australian law. However, we make no representations that the materials on our web site are appropriate or available for use in locations outside of Australia.

Copyright & monitoring

The contents of our web site are protected by international copyright laws and other intellectual property rights. We, or other third party licensors, are the owner of these rights. All product and company names and logos mentioned in our web site are the trade marks, service marks or trading names of their respective owners, including us. You may download material from our web site for the sole purpose of using it as a information resource for our health insurance services. However, you may not modify, copy, reproduce, republish, upload, post, transmit or distribute, by any means or in any manner, any material or information on or downloaded from our web site including, but not limited to text, graphics, video, messages, code and/or software without our prior written consent, except where expressly invited to do so, for example in order to complete any (but not restricted to) questionnaire and forms.

Linked sites

We make no representations whatsoever about any other web sites which you may access through our web site or which may link to our website. When you access any other web site you understand that it is independent from us and that we have no control over the content or availability of that website. In addition, a link to any other site does not mean that we endorse or accept any responsibility for the content, or the use of, such a web site and shall not be liable for any loss or damage caused or alleged to be caused by or in connection with use of or reliance on any content, goods or services available on or through any other web or resource. Any concerns regarding any external link should be directed to its web site administrator or web master.

Availability of our website

We will try to make our web site available but cannot guarantee that our web site will operate continuously or without interruptions or be error free and can accept no liability for its unavailability. You must not attempt to interfere with the proper working of our web site and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, web site, router or any other internet connected device.

We reserve the right to alter, suspend or discontinue any aspect of our website or the content or services available through it, including your access to it. Unless explicitly stated, any new features including new content and/or the sale of new products and/or the release of new services or resources shall be subject to these terms and conditions. To the extent allowed by law, neither Approved Financial Consulting pty Ltd nor any of its employees will be liable for any errors or omissions in the contents or functions of the website, including errors or omissions due to negligence. You accept all risks and responsibility for losses, damages, costs and other consequences resulting directly or indirectly from using the website. You also accept the introduction of support files (for example: cookies) to your electronic equipment should it be required as part of your or any other person/s usage of the website.

We are committed to safeguarding the privacy of our users. We take your privacy very seriously and it is important to us that you can use and enjoy our website without having to compromise your privacy in any way. For more information, please see our privacy policy.