These are the terms and conditions for use of this site and access to the information contained on this site. Neither Consultum, an Australian Financial Services Licensee, nor its Authorised Representatives, GTO Wealth Management Pty Ltd, Wayne Owen and Craig Scarr warrant or represent, that the information in this site is free from errors or omissions or is suitable for your intended use.
1. We and our authorising licensee and other members of the IOOF Group of companies:
2. Users must not use or reproduce any of the trademarks or other intellectual property appearing on this site.
3. Users of this site must not:
4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.
5. The information contained on this site is made available to residents of Australia and its territories and is not intended to be a recommendation, offer or invitation to take up securities or to make a decision in respect of any financial product or any other matter.
6. We, our authorising licensee and other members of the IOOF Group are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by us.
7. All references on this site to "$" or "dollars" are references to Australian currency unless otherwise stated.
8. Users of this site agree to indemnify us and other members of the IOOF Group from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.
9. We, our authorising licensee and other members of the IOOF group of companies do not endorse and are not responsible for information, feedback, questions or comments placed on this site by third parties. We can reproduce, use, disclose and distribute the information to others in our absolute discretion.
10. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between us and other organisation (unless otherwise expressly stated).
11. You consent to us monitoring your use of this site and agree that we may suspend the operation of this site, or restrict your use of it, at any time and without any further notice to you.
12. This site is designed for Australian residents only. Nothing on this website is an offer or a solicitation of an offer to acquire any products or services, by any person or entity outside of Australia.