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Site Disclaimer, Privacy and Complaints

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Website terms and conditions The information provided on this website is intended to provide general information only and the information has been prepared without taking into account any particular person’s objectives, financial situation or needs. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation or needs. In particular, you should obtain professional advice before acting on the information contained on this website and review the relevant Product Disclosure Statement (PDS).

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Relevant PDSs can be obtained by contacting us. No representation or warranty is made as to the accuracy, completeness or reliability of any estimates, opinions, conclusions or other information contained on this website. This website may contain certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements. To the maximum extent permitted by law, we and Bluewater Financial Advisors disclaims all liability and responsibility for any direct or indirect loss or damage which may be suffered as a result of relying on anything on this website including any forward looking statements. Past performance is not an indication of future performance.

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Privacy Policy

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We respect your privacy and are committed to ensure that any Personal Information we collect about you is handled in accordance with the provisions of the Privacy Act 1988 and the Australian Privacy Principles and any other applicable privacy related laws. Further information on how we handle your personal information is explained in our Bluewater Privacy Policy.

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Site Disclaimer & Terms of Use

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Acknowledgement and Acceptance of General Conditions

This site is owned and operated by Bluewater Financial Advisors, ABN 99 153 118 533. Your access to this site is conditional upon your acceptance and compliance with the terms, conditions, notices and disclaimers contained in this document. Your use of, and/or access to, this site constitutes your agreement to be bound by these general conditions. Bluewater Financial Advisors reserves the right to amend these general conditions at any time.

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Ownership of Content

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The materials displayed on this site including without limitation all information, text, materials, graphics, software, advertisements, names, logos and trademarks (if any) on this site ("Content") are protected by copyright, trademark and other intellectual property laws unless expressly indicated otherwise. You must not modify, copy, reproduce, republish, frame, upload to a third party, post, transmit or distribute this content in any way except as expressly authorised in writing by Bluewater Financial Advisors. You may view this site using your web browser and save an electronic copy, or print out a copy, of parts of this website solely for your own information, research or study, but only if you keep all content intact and in the same form as presented on this site (including without limitation all copyright, trademark and other proprietary notices and all advertisements). You must not use this site or the information on this site in any manner or for any purpose which is unlawful or in any manner which violates any right of Bluewater Financial Advisors or which is prohibited by the general conditions.

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Advertising and Links to Other Websites

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This site contains links to third party sites. These linked websites are not under the control of Bluewater Financial Advisors and Bluewater Financial Advisors is not responsible for the content of any linked website or any hyperlink contained in a linked website. Bluewater Financial Advisors provides these hyperlinks to you as convenience only and the inclusion of any link does not imply any endorsement of the linked website by Bluewater Financial Advisors. A link made to any such website is entirely at your own risk.

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Disclaimer and Limitation of Liability

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The information contained on this site is provided by Bluewater Financial Advisors in good faith. The information is derived from sources believed to be accurate and current as at the date indicated in the respective sections of this site. Neither Bluewater Financial Advisors nor any of its Directors or employees and authorised representatives give any representation or warranty as to the reliability, accuracy or completeness of the information, nor do they accept any responsibility arising in any way (including by negligence) for errors in, or omissions from, the information. In the case of goods or services supplied or offered by Bluewater Financial Advisors or any of its Directors or employees, liability for breach of any implied warranty or condition which cannot be excluded is limited at Bluewater Financial Advisors' option to either: (a) the supply of the goods (or equivalent goods) or services again; or (b) the payment of the cost of having the goods (or equivalent goods) or services supplied again.

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General Advice Warning

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Any advice contained in this website is of a general nature only and does not take into account your circumstances or needs. You must decide if this information is suitable to your personal situation or seek advice. Prior to investing in any particular product, you should read the Product Disclosure Statement.

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Complaint Resolution

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What should I do if I have a complaint?

If you have any complaints about the services provided to you, please contact us at the following address:

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Complaints Manager

Bluewater Financial Advisers Pty Ltd

GPO Box 4523

Sydney NSW 2001

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Phone: 1300 799 212

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If you are not satisfied with our response to your complaint, you can escalate the matter to the Office of the Australian Information Commissioner (OAIC) to complain about the way we have handled your personal information. The OAIC can be contacted at: Office of the Australian Information Commissioner GPO Box 5218, Sydney NSW 2001 Email: enquiries@oaic.gov.au Phone: 1300 363 992

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version January 2019