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Advice Warning

Legal and Advice Warning

In preparing any advice in this site Planning for Life Australia Pty Ltd ABN 52 601 002 082 trading as Planning for Life has not taken into account any particular person’s objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information with regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decisions.

Terms and Conditions

These are the terns and conditions for use of this site and access to information contained on this site.

Neither Consultum Financial Advisers Pty Ltd ABN 65 006 373 995, an Australian Financial Services Licensee, nor its authorised representatives Rachel Schumann and Benjamin Beveridge warrant or represent that the information on this site is free from errors or omissions or is suitable for your intended use. Consultum Financial Advisers Pty Ltd is a wholly owned subsidiary of IOOF Holdings Limited ABN 49 100 103 722 (“IOOF”).

  1. Consultum Financial Advisers Pty Ltd, its authorised representatives and other members of IOOF Holdings Limited:
  • do not give any warranty or mane any representations as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
  • may change any update the information from time to time;
  • make no representation in relation to, and are not responsible in any way for, any other site you access through this site; and
  • own the copyright in the information contained in this site.
  1. Any trade marks appearing in this site are the trade marks of a member of the IOOF Holdings Limited or a third party. Users must not use or reproduce any of the trademarks that appear in this site.
  1. User of this site must not:
  • do anything to alter or modify the information on this site;
  • use the material on this site for any purpose other than as a source of information for personal use unless otherwise authorised;
  • post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or in appropriate.
  1. Users can print a hard copy of the material in this site for their personal use only other than material where this is prohibited by a notice to that effect in this site.
  1. The information contained on this site is general information only, made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives.
  1. Consultum Financial Advisers Pty Ltd are not liable in any way to any person for any loss, damage, cost or expenses incurred as a result of the material contained in this site, including, without limitation, any negligence by Consultum Financial Advisers Pty Ltd
  1. All references in the site to “$” or “dollars” are references to Australian currency unless otherwise stated.
  1. Users of this site agree to indemnify Consultum Financial Advisers Pty Ltd and other members of IOOF Holdings Limited from all liability, cost and expense, including legal fees, arising directly or indirectly from the use or distribution by any person of material placed in this site by the user or from the alteration, modification of or addition to material in the site by the user.
  1. No information, feedback, questions or comments placed on this site by any person other than GWM Adviser Services or other members of the National Australia Group of companies will be confidential, authorised or otherwise endorsed. Consultum Financial Advisers Pty Ltd  can reproduce, use, disclose and distribute the information to others in their absolute discretion.
  1. 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 Consultum Financial Advisers Pty Ltd and other organisations, unless otherwise expressly stated. Consultum Financial Advisers Pty Ltd does not control and is not responsible for the content of any other site accessed via this site.
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