Terms of Use

Disclosure

KSG Financial Planners Pty Ltd  ABN 49 105 809 470  (KSG Financial Planners) is an authorised representative of Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138 (“Financial Wisdom”).  Financial Wisdom is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia.

Acceptance and changes to terms and conditions

Your access to the KSG Financial Planners website website (“the Website”) is subject to:

  1. These terms and conditions; and
  2. Because of KSG Financial Planners relationship with Financial Wisdom, use of the Website is also subject to the Commonwealth Bank of Australia’s Group Privacy Policy.

Your use of the Website constitutes your agreement to these Terms of Use.  These are the current terms and conditions. They replace any other terms and conditions for the Website previously published on the Website. KSG Financial Planners may at any time vary these terms and conditions by publishing the varied terms and conditions on the Website. You accept that by doing this, KSG Financial Planners has provided you with sufficient notice of the variation. KSG Financial Planners reserves any rights not expressly granted in these terms and conditions.

Similarly, Commonwealth Bank of Australia may at any time vary the Group Privacy Policy by publishing the varied policy on its website. You accept that by doing this, Commonwealth Bank of Australia has provided you with sufficient notice of the variation.

Access for persons from Australia only 

Financial Wisdom is not authorised to carry on business in any jurisdiction other than Australia. As a consequence, KSG Financial Planners is only authorised to provide financial advice and services in Australia.  Accordingly, the information on the Website is directed to and available for Australian residents only.

General information only

The information on the Website is of a general nature only and has been prepared without taking into account your, or any other investor’s, particular financial needs, circumstances and objectives. The information on the Website should not be construed as financial, taxation or legal advice.

KSG Financial Planners recommends that you consult a financial adviser for advice that addresses your specific needs and situation before making investment decisions.

Accuracy of information, Website performance and limitation of liability

KSG Financial Planners does not warrant the accuracy, completeness or currency of information made available through the Website.

KSG Financial Planners makes no warranty that the use or operation of the Website will be uninterrupted or error-free or that the Website is suitable for any particular purpose or has any performance, functionality or security features except as  KSG Financial Planners is required to provide by law.

To the extent permitted by law, neither KSG Financial Planners nor Financial Wisdom and their respective employees, agents and authorised representatives will not be liable for or in connection with any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information on the Website whether or not caused by any negligent act or omission in information made available through the Website. However, KSG Financial Planners will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.

Links to other websites

The Website may have links to other websites, which are operated by third parties. These links are provided for your convenience and neither  KSG Financial Planners nor Financial Wisdom endorses or approves the information, graphics and materials that may be contained on those websites.

Furthermore, neither KSG Financial Planners  nor Financial Wisdom make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information, graphics or materials.  If you obtain goods or services from these third parties then it is at your own risk. You indemnify KSG Financial Planners and Financial Wisdom against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in the Website.

KSG Financial Planners recommends that you do not act on the information contained within these websites without obtaining financial advice.

Jurisdiction

Users of the Website understand and agree that all disputes will be governed by and construed in accordance with the laws of the state in which KSG Financial Planners has its registered office, and all users and KSG Financial Planners submit to the non-exclusive jurisdiction of the courts of that state.

Copyright

© 2018 KSG Financial Planners Pty Ltd. All Rights Reserved

KSG Financial Planners and related logos are trademarks of KSG Financial Planners registered in Australia.  Financial Wisdom, Commonwealth Bank of Australia and related logos are trademarks registered in Australia.

Copyright in the information provided on the Website is owned by KSG Financial Planners unless specified otherwise in which case it has been reproduced with the consent of the copyright owner. You may not alter or modify copyright material (whether the copyright is owned by KSG Financial Planners  or a third party) in any way. This information may be viewed online and may be reproduced in hard copy only for your personal reference.

You may only use the trade marks and copyright material on the Website with KSG Financial Planners  (and where relevant, the third party’s) express permission and in accordance with KSG Financial Planners (and any third party’s) directions from time to time. The use of, and creation of links to, the Website (including use of KSG Financial Planners trade marks and copyright material and the trade marks and copyrights of any third party) are at the risk of the user and are subject to KSG Financial Planners (and any third party’s) rights and the user’s general legal obligations. KSG Financial Planners, Financial Wisdom and Commonwealth Bank of Australia make no warranty and accept no liability in relation to use of the trademarks outside Australia. For further information about creating links to the Website and about using KSG Financial Planners (and any third party’s) trademarks and other material, contact KSG Financial Planners on 02 9406 5900.