TERMS OF USE
General Terms & Conditions for the use of the Fiducian Website

THE WEBSITE
This website is owned and operated by Fiducian Services Pty Ltd ABN 41 602 437 892 (Fiducian) under the domain name www.fiducian.com.au (Fiducian website).

Your use of the Fiducian website and the use of the information, graphics and materials on it is governed by these Terms of Use and the Privacy Statement.

As well as the terms in this document there are specific conditions which apply when you have access to restricted sections as well as specific disclaimers in some sections of the Fiducian website.

LOCATION OF SERVER
The Fiducian website is hosted from a server in the State of New South Wales, Australia. All data stored on the Fiducian website is stored in New South Wales.

LINKS FROM THE FIDUCIAN WEBSITE
The Fiducian website may have links to websites operated by third parties (linked sites). Fiducian is not responsible for, and does not endorse, approve or sponsor the linked sites, or the information, graphics and material on those other sites.

These links are provided for your convenience and when you follow a link on the Fiducian website you do so at your own risk. Fiducian specifically disclaims acting in any respect on behalf of the operators of linked sites and is not responsible for the accuracy, legality, decency of material or copyright compliance of linked sites.

You should be aware that the linked sites will have their own conditions of use, privacy and security regimes. You should review them on the linked site.

LINKS TO THE FIDUCIAN WEBSITE
Please contact Fiducian if you would like to place a link to any part of the Fiducian website.

INVESTMENT ADVICE
The information on the Fiducian website is not intended to be a recommendation, offer, or invitation to invest. Any advice is general in nature and does not take into account your investment objectives, financial situation and particular needs. You should consult your financial adviser for advice before making investment decisions.

NON-AUSTRALIAN RESIDENTS
Products and services discussed on the Fiducian website are generally not available to non-Australian residents because they may not comply with non-Australian laws. All references to dollars are to Australian dollars.

WARRANTIES
While Fiducian and its subsidiaries (Fiducian Group) have made every effort to ensure that information is free from error, no member of the Fiducian Group warrants the accuracy, adequacy or completeness of any information on the Fiducian website. All information is subject to change without notice.

No member of the Fiducian Group guarantees that the Fiducian website or a linked site will be free from viruses, or that access to the Fiducian website or a linked site will be uninterrupted.

LIMITATION OF LIABILITY
To the extent permitted by law, each member of the Fiducian Group excludes all liability for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) of any nature arising out of or referable to anything provided on or through the Fiducian website.

Liability of any member of the Fiducian Group for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible to the supply of the information again.

COPYRIGHT AND TRADEMARKS
Copyright in the Fiducian website and in the information on the Fiducian website is owned or licensed by a member of the Fiducian Group.

Other than where necessary to view material on the Fiducian website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no material on the Fiducian website may be reproduced, adapted, uploaded to a third party, linked to, framed, presented in public, distributed or transmitted in any form by any process without the specific written consent of Fiducian.

Trademarks associated with Fiducian are trademarks of Fiducian.

TERMINATION
Fiducian may terminate your access to the Fiducian website at any time without notice. All restrictions, licences granted by you and all disclaimers and limitation of liability by the Fiducian Group will survive termination, however, you will no longer be authorised to access the Fiducian website.

ACCEPTANCE OF TERMS OF USER
Your use of the Fiducian website constitutes your acceptance of these Terms of Use and the Privacy Statement.

Fiducian may vary the Terms of Use at any time by publishing the varied Terms of Use on the Fiducian website. You agree that by doing this, Fiducian has provided you with sufficient notice of the variation.

Fiducian reserves any rights in relation to Fiducian website not set out above.

JURISDICTION
The law which applies to the use of Fiducian website and any disputes which arise is the law of the state of New South Wales, Australia.

© 2015 Fiducian Services Pty Ltd.