THE LEGAL BITS

DISCLAIMER

This disclaimer applies to the website www.andrewrowanwm.com.au, (“the Website”) which is owned and operated by Dunbar House Financial Services Pty Ltd ABN 28 079 653 768, Australian Financial Services Licence 284901 (referred to hereafter as “Andrew Rowan Wealth Management”). By using the Website which includes viewing, browsing, downloading and accessing links on the Website, you agree to be bound by the terms and conditions of this disclaimer together with Andrew Rowan Wealth Management’s Privacy Policy and other disclaimers, notices or statements on the Website which may be varied from time to time without notice (referred to hereafter as the “Terms of Access”). The material on the Website is provided by Andrew Rowan Wealth Management, however any information obtained from it including from links to external websites is the sole responsibility of the user.

The information is provided at the relevant time and Andrew Rowan Wealth Management along with its affiliates including its directors, officers, consultants, employees and/or trustees is not responsible for any representation made in the material on the Website including the reliability, accuracy or quality of the information. Excepting non-excludable statutory liabilities, no liability of any kind will be accepted by Andrew Rowan Wealth Management for any loss or damage whatsoever suffered by a user of the Website as a result of inaccurate or incomplete material obtained from the Website. Furthermore, Andrew Rowan Wealth Management does not warrant, guarantee or make any representation that the Website, or the server that makes the site available are free of software viruses; the functions contained in any software contained on the Website will operate uninterrupted or are error-free; or that errors and defects in the Website will be corrected.

Andrew Rowan Wealth Management is not liable to you for errors or omissions in the Website, or links to external websites; delays to, interruptions of or cessation of the services provided in the Website, or links to external websites; and defamatory, offensive or illegal conduct of any user of the Website whether caused through negligence of Andrew Rowan Wealth Management its affiliates, independent contractors or through any other cause. By using the Website, you agree to accept the full cost of any necessary repair, correction and maintenance of any of your computer software or hardware which may be necessary as a consequence of you using the Website, and you agree to release Andrew Rowan Wealth Management and its affiliates from any liability suffered by you whatsoever as a result of using the Website. Information for general use only The information provided on the Website is for general use only.

In no way whatsoever should a user rely on the information contained in the Website for investment purposes. A user should seek specific financial advice before using any information provided on the Website to ensure that your particular legal, taxation and accounting situation is considered. The information provided on the Website should be read in conjunction with the Andrew Rowan Wealth Management’s Financial Services Guide and by using this Website you acknowledge your receipt of the Financial Services Guide. Privacy Any personal information provided by you in the course of using the Website may be held and processed by Andrew Rowan Wealth Management.

Any information obtained by Andrew Rowan Wealth Management will be held in accordance with the National Privacy Principles as contained in the Privacy Act 1998. Further information may be found in Andrew Rowan Wealth Management’s Privacy Policy. Links to other Websites Any and all links provided on the Website to external websites are owned and operated by third parties and which are not under the control of Andrew Rowan Wealth Management. Links to external websites are provided as a convenience to the user and the existence of a link to an external website does not imply any endorsement by Andrew Rowan Wealth Management of the links and Andrew Rowan Wealth Management accepts no responsibility for the material contained on those links. Furthermore, no guarantee is given as to the reliability or accuracy of the information obtained from these links, and their material should be used at the sole discretion of the user.

INFORMATION FOR GENERAL USER ONLY

The information provided on the Website is for general use only. In no way whatsoever should a user rely on the information contained in the Website for investment purposes. A user should seek specific financial advice before using any information provided on the Website to ensure that your particular legal, taxation and accounting situation is considered. The information provided on the Website should be read in conjunction with the Andrew Rowan Wealth Management’s Financial Services Guide and by using this Website you acknowledge your receipt of the Financial Services Guide.

PRIVACY

Any personal information provided by you in the course of using the Website may be held and processed by Andrew Rowan Wealth Management. Any information obtained by Andrew Rowan Wealth Management will be held in accordance with the National Privacy Principles as contained in the Privacy Act 1998. Further information may be found in Andrew Rowan Wealth Management’s Privacy Policy.

LINKS TO OTHER WEBSITES

Any and all links provided on the Website to external websites are owned and operated by third parties and which are not under the control of Andrew Rowan Wealth Management. Links to external websites are provided as a convenience to the user and the existence of a link to an external website does not imply any endorsement by Andrew Rowan Wealth Management of the links and Andrew Rowan Wealth Management accepts no responsibility for the material contained on those links. Furthermore, no guarantee is given as to the reliability or accuracy of the information obtained from these links, and their material should be used at the sole discretion of the user.

THIRD PARTY MATERIALS & INFORMATION

The Website may contain material from time to time which is not prepared by Andrew Rowan Wealth Management or its affiliates. This information will be identified as third party material and should not be taken to represent the views or opinions of Andrew Rowan Wealth Management. The accuracy, reliability of any of the recommendations or representations made in this material is not the responsibility of Andrew Rowan Wealth Management and should be used at the sole discretion of the user.

AUSTRALIAN RESIDENTS ONLY

This Website is designed for Australian residents. Andrew Rowan Wealth Management is not liable for persons utilising information obtained by persons residing outside Australia. All references to currency are to Australian dollars unless otherwise stated. The information provided by this Website should not be taken to constitute an offer, invitation or advice to use Andrew Rowan Wealth Management.

INTELLECTUAL PROPERTY RIGHTS

The material on the Website is copyright © 2008 AD Rowan Holdings Pty Ltd. Andrew Rowan Wealth Management reserves all intellectual property rights, including but not limited to, copyright in material and/or services provided by it. The material provided on the Website is provided for personal use only and may not be re-sold, redistributed in any material form, stored in any storage media, and/or re-transmitted in any media without the prior written consent of Andrew Rowan Wealth Management.

TERMINATION OF ACCESS

Andrew Rowan Wealth Management may terminate access to the Website at any time without giving any explanation or justification for the termination and Andrew Rowan Wealth Management has no liability for costs, losses or damages of any kind arising as a consequence of terminating access to the Website.

ALTERATION OF TERMS OF ACCESS

Andrew Rowan Wealth Management reserves the right to change the Terms of Access with or without further notice to you and without giving you any explanation or justification for such change.

RELEVANT JURISDICTION

If any part of the Terms of Access is found to be void, unlawful, or unenforceable then that part will be deemed to be severable from the balance of the Terms of Access and the severed part will not affect the validity and enforceability of the remaining provisions. The Terms of Access will be governed by and interpreted in accordance with the law of the State of Victoria. By using the Website you agree to the jurisdiction of the courts of the State of Victoria to determine any dispute arising out of the Terms of Access.

FINANCIAL SERVICES GUIDE & PRIVACY POLICY

Important information regarding the products and services of Andrew Rowan Wealth Management can be found in the Financial Services Guide.

You can view our complete Financial Services Guide (FGS) and Privacy Statement by clicking the button below.

FINANCIAL SERVICES GUIDE