This web site may include links to external web sites. When you follow such links the external web site may appear as a full screen (in which case you will need to use the back button on your browser to return to this web site) or in some cases it may appear within the frame of this web site (in which case you will be able to return to this web site by using the navigation buttons within the frame). These links are provided in order to help you find relevant web sites, services and products which may be of interest to you quickly and easily.

It is your responsibility to decide whether any services and products available through any of these web sites are suitable for your purposes. La Trobe Financial is not responsible for the owners or operators of these web sites or for any products or services they supply or for the content of their web sites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site in relation to which this web site includes a link infringes the intellectual property rights of any third party).

All information provided as part of this web site is intended to be general in nature and you should not rely on it in connection with the making of any decision. La Trobe Financial tries to ensure that all information provided as part of this web site is correct at the time of inclusion on the web site but does not guarantee the accuracy of such information. La Trobe Financial is not liable for any action you may take as a result of relying on such information or advice or for any loss or damage suffered by you as a result of you taking this action.

This web site contains material including text, photographs and other images and sound, which is protected by copyright and other intellectual property rights. All copyright and other intellectual property rights in this material are either owned by La Trobe Financial or have been licensed to it by the owner(s) of those rights so that it can use this material as part of this web site.

This web site also contains trade marks, including the La Trobe Financial emblem and logo. All trade marks included on this web site belong to La Trobe Financial or have been licensed to it by the owner(s) of those trade marks for use on this web site.

• access any part of this web site; and
• print off one copy of any or all of the pages for your own personal reference.

• copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), broadcast, alter or tamper with in any way or otherwise use any material contained in this web site except as set out under "You may";
• remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from this web site;
• link to this web site without La Trobe Financial’s written consent.

These restrictions apply in relation to all or part of the material on this web site

La Trobe Financial may change the terms and conditions and the disclaimer set out above from time to time. By browsing this web site you are accepting that you are bound by the current terms and conditions and disclaimer and so you should check these each time you revisit the site.

• La Trobe Financial may change the format and content of this web site at any time.
• La Trobe Financial may suspend the operation of this web site for support or maintenance work, in order to update the content or for any other reason, such as security breaches.
• La Trobe Financial reserves the right to terminate access to this web site at any time and without notice.

Personal details provided to La Trobe Financial through this web site will only be used in accordance with our privacy charter. Please read this carefully before going on. By providing your personal details to us you are consenting to its use in accordance with our privacy charter. You can review our privacy charter here.

If you have a complaint about this web site, please email to complaints@latrobefinancial.com.au

These terms and conditions are governed by and to be interpreted in accordance with Australian law and in the event of any dispute arising in relation to these terms and conditions or any dispute arising in relation to this web site whether in contract or tort or otherwise the Australian courts will have non-exclusive jurisdiction over such dispute.

The information contained on this web site is provided by La Trobe Financial and its subsidiaries or affiliated or related companies in good faith. The information is derived from sources believed to be accurate and current but has not been verified by any of La Trobe Financial, its related bodies corporate, its affiliates and their servants and agents and is under no obligation to notify you or publish any amendment if it becomes aware of any change to, inaccuracy in or omission from, the information. To the extent permitted by law, no member of the La Trobe Financial Services Group gives any representation or warranty. The information is not to be relied upon as being complete, accurate, or up to date and is subject to change.

The information that this web site provides is general information only. It is not intended as or suitable to be acted upon as investment advice or a recommendation in relation to any securities or other financial products and must not be relied upon or construed as such. Any person intending to act on the basis of the information contained in this web site should not rely on the information provided, and should seek professional investment advice, or should satisfy themselves as to the suitability of any proposed course of action.

In the United Kingdom, this web-site is directed only at professional investment advisers and professional investors (U K Professionals); it would be imprudent for persons of any other kind to respond to it.

The web site does not, and must not be construed as an offer to sell or an invitation of any offer to subscribe for or purchase any securities or other financial products in any jurisdiction or country. The information in this web site does not make an offer and this material will not result directly or indirectly in the making or acceptance of offers to sell, purchase or exchange securities.

The information provided in this web site is provided on the basis that you will not rely on it in any way. No member of the La Trobe Financial Services Group will be liable for any direct, indirect, special or consequential loss or damage (including all legal costs on a solicitor-client basis) or any claim, suit, demand, action or proceeding brought which results from, or in any way (including without limitation through negligence) arises out of, this web site and your use of this web site (except to the extent that legislation precludes such liability being excluded). You agree to indemnify and release the La Trobe Financial Services Group from any such liability. To the extent that such liability arises, the aggregate liability of all members of the La Trobe Financial Services Group shall not exceed A UD$20.00.