Read this before acting on anything here.

1.What you read here is general, not personal.

The site is written for a wide reader. It does not, and cannot, take account of your individual circumstances.

The information published on this website is general information only. It has been prepared without taking account of any reader's particular objectives, financial situation, or needs. Reading a page on this site is not the same as receiving personal financial product advice, and the site is not intended to be a substitute for personal advice.

Personal advice happens in conversations and in formal documents that follow them. Where we describe a strategy, an approach, an asset class, or an outcome, we describe it in general terms. The detail belongs in a Statement of Advice or Record of Advice prepared after we have understood your situation.

Before acting on anything published on this site, you should consider whether the information is appropriate to your objectives, financial situation, and needs, and obtain personal financial advice from a suitably qualified adviser.

2.Past performance is not a guide.

Where the site references historical figures or projections, the limits on what they tell you about the future need stating clearly.

Past performance is not a reliable indicator of future performance. Where a page references historical returns, index movements, asset-class performance, or any other backward-looking figure, it is included to illustrate a point about how something has behaved historically, not to suggest that the same behaviour will continue.

Where the site references forecasts, projections, expected outcomes, or modelled returns, those figures depend on assumptions about future conditions that may not be borne out. Markets do not behave the way the model assumed. Tax rules change. Interest rates move in directions the projection did not anticipate. Forecasts are useful for thinking about a range of plausible outcomes, not for predicting which one will occur.

Any reliance you place on historical figures or forecasts published on this site is at your own risk.

3.Accuracy and currency, and the limits of both.

We take care to publish information that is accurate at the date it is written. The site is not, and cannot be, continuously updated.

Information on this site is believed to be accurate as at the date it was written or last revised. Tax rates, contribution caps, social security thresholds, regulatory references, and other technical figures change from time to time. Where a page on this site references a specific figure, threshold, rule, or regulator, that reference reflects our understanding at the date of writing and may be out of date by the time you read it.

The site sometimes references third-party content: research findings, public datasets, regulator guidance, and similar. Where we do, we cite the source. We do not warrant the accuracy or currency of third-party material, and we do not endorse any third party simply by linking to or quoting from their work.

If a page on this site references a specific figure or rule that matters to a decision you are about to make, confirm the current position with us, with the relevant regulator, or with another suitably qualified professional before acting.

4.Before any financial product, the PDS and TMD.

For any financial product mentioned on this site, the issuer's disclosure documents set out what the product actually is and how it is structured.

Where this site refers to a financial product, the description on the site is brief and contextual. It is not a substitute for the product issuer's full disclosure documents.

Before acquiring any financial product mentioned on this site, you should obtain and consider the Product Disclosure Statement (PDS) and Target Market Determination, or equivalent product materials where no PDS exists, together with personal advice from us or from another suitably qualified adviser, taking your particular circumstances into account.

Acquiring a financial product on the basis of information published on this site, without obtaining and considering the relevant product disclosure documents and personal advice, is not what the site is for.

5.Liability, within the limits set by Australian law.

To the extent permitted by law, the firm is not responsible for losses arising from reliance on general information published on this site. Some rights cannot be excluded, and they are not.

To the maximum extent permitted by law, Independent Wealth Advisory Australia Pty Ltd, its directors, advisers, and employees are not liable for any loss or damage, however caused (including through negligence), that you may suffer from reliance on information published on this website, where that reliance is not accompanied by personal advice prepared for your circumstances.

Nothing in this disclaimer is intended to exclude, restrict, or modify any right or remedy you may have under the Australian Consumer Law or other applicable law where that right or remedy cannot lawfully be excluded, restricted, or modified. Where a statutory consumer guarantee applies and cannot be excluded, our liability for breach of that guarantee is limited, where the law permits, to one of the remedies the law permits us to elect.

For questions about anything on this page, or about how something published on the site applies to your circumstances, write to us.